Lemonade Review

Yes, Lemonade covers brachycephalic syndrome (BOAS) and other breathing issues common in French Bulldogs. This includes diagnostic testing, medication, and surgical treatment. However, there's a 14-day waiting period for illness coverage, so enroll before symptoms appear.

Lemonade's maximum annual coverage is $100,000. For a single surgery, you'd be reimbursed based on your chosen percentage (70%, 80%, or 90%) after your deductible is met. For example, a $5,000 BOAS surgery with a $250 deductible and 90% reimbursement would pay out $4,275 (90% of $4,750 after deductible).

Yes, Lemonade covers hereditary and congenital conditions that French Bulldogs are prone to, including hip dysplasia, eye problems, and spinal issues. However, these conditions must develop after your coverage begins to be eligible.

Accidents are covered after a 2-day waiting period. Illnesses have a 14-day waiting period. Cruciate ligament events have a 6-month waiting period. Other orthopedic conditions may have waiting periods ranging from 30 days to 6 months depending on your state.

Yes, Lemonade works with any licensed veterinarian in the United States. You're not restricted to a network, which is particularly helpful for French Bulldog owners who may need to see specialists.

Lemonade operates on a reimbursement model, so you'll need to pay the veterinary bill upfront and then get reimbursed. Consider setting up a pet emergency fund or looking into CareCredit for emergency situations.

Lemonade pet insurance for a French Bulldog typically costs between $66-$131 per month depending on your chosen coverage level, deductible, and reimbursement rate. The advertised $10/month starting price applies to low-risk breeds — French Bulldogs pay more due to their elevated health risks. Factors like your Frenchie's age, your location, and your selected annual limit also affect pricing.

Yes, Lemonade covers brachycephalic obstructive airway syndrome (BOAS) surgery for French Bulldogs. This includes diagnostic imaging, the surgical procedure itself (soft palate resection, stenotic nares correction), and post-operative care. The standard 14-day illness waiting period applies, so enrolling before any breathing symptoms appear is essential to ensure coverage.

Lemonade is worth considering for French Bulldog owners who want solid breed-specific coverage at a competitive price. Their plans cover hereditary conditions, BOAS, hip dysplasia, skin allergies, and spinal issues — all common in Frenchies. The AI-powered claims system is genuinely fast, and customizable deductibles let you control costs. The main trade-off is the $100K annual limit, which could be restrictive during years with multiple major procedures.

Lemonade does not cover pre-existing conditions (unless fully cured and symptom-free for 12+ months), elective or cosmetic procedures, breeding-related expenses, or experimental treatments. Exam fees are only covered on higher-tier plans. There are also bilateral condition exclusions — if your French Bulldog has a condition on one side of the body before coverage starts, the same condition on the other side will also be excluded.