Lemonade Pet Insurance Pennsylvania Review

From Pet Insurance Wiki · last updated 14 Oct 2026 from public rate filings

Part of the Lemonade review · Pet insurance in Pennsylvania

Lemonade inPAPennsylvaniaChange state
This page is a draft: we have not read Lemonade's Pennsylvania rate pages yet, so it has no price and only partial scores. Figures may be corrected; see the history.

Lemonade is underwritten in Pennsylvania by Metromile Insurance Company.

Coverage

In Pennsylvania, Lemonade's policies are underwritten by Metromile Insurance Company (a Lemonade subsidiary), not Lemonade Insurance Company. From the Pennsylvania disclosure LPC-PET-INFO (09-25): 14-day waiting period for illness and 30 days for orthopedic conditions; the premium and cover may change with address and the pet's age but not with claims history; the reimbursement percentage applies before the deductible (covered cost × co-insurance − deductible). The disclosure does not mention waiving the waiting period with a vet exam, which Pennsylvania law requires the policy to allow. The policy form, enrollment ages and coverage details were not reviewed.

Scores in Pennsylvania

Without rate pages there is no lifetime cost, so Lemonade is not ranked in Pennsylvania. Scales with data:

A. Lifetime costno data
B. Age curveno data
C. Generosity (loss ratio)no data
D. Rate increasesno data
E. Price structureno data
F. Customer treatmentno data
Coverage (separate)no data

Price by age

Rate pages for Lemonade in Pennsylvania are not public or not yet read, so there is no price by age.

Rate filings

No filings recorded yet.

References

  1. 1.↑Pet Insurance Wiki, Rating methodology, version 1. methodology

History

  1. Corrected the Florida trend: the 12% a year is the net trend, claim costs growing faster than premium, not total cost growth
  2. Corrected from the filing texts: the approved Florida manual rates an unlimited limit (the online quote offered at most $100,000); the Florida age increase applies from age 9 and only at renewal; age ceilings by breed group; sources for the cured-condition rule and the California loss figures; added BBB and Trustpilot ratings checked on 13 October 2026
  3. Full review: added California filing 23-3248, the Florida rate history from filing 26-034247 and the pending Metromile form filing 26-042253
  4. Draft page from filing Lemonade 26-034247