Lemonade introduced updates to its pet insurance program in Nevada, with a requested effective date of July 15, 2026, for new business and August 14, 2026, for renewals. The filing replaces the company’s previous pet policy form and rating manual.

The updated policy continues to provide accident and illness coverage for dogs and cats and includes optional coverages for physical therapy, veterinary visit fees, preventive care, end of life and remembrance expenses, behavioral conditions, and dental illness treatment. Coverage remains subject to deductibles, co-insurance, annual limits, and waiting periods, including 14 days for illnesses and 30 days for orthopedic conditions.

The filing also revises policy language around exclusions, claims handling, premium adjustments, and coverage changes. Excluded items include pre-existing conditions, breeding-related conditions, routine and preventive care unless purchased as an add-on, elective procedures, grooming, and certain dental treatments.

The insurer is seeking an overall 20% rate increase affecting 13,142 policyholders. The current program premium is approximately $8.24 million in Nevada, and the company estimates the change will increase written premium by about $1.65 million.

As background, Lemonade’s Nevada pet insurance business grew from 6,079 policyholders and $3.4 million in written premium in March 2025 to 13,142 policyholders and $8.2 million in premium by June 2026, representing growth of 116% and 141%, respectively. Stated differently, Lemonade added ~16 pet insurance policyholders per day in Nevada between March 2025 and June 2026.