Pet Health and Insurance Data API

API ID 14443

Dog breed health, disease treatment costs, US insurance figures and published pet insurer policy facts in one plan. Dogs only for health and prices.

209 ms avg response

API Documentation

Endpoints

Request
List dog breeds with size, group, lifespan and popularity rank. Optional search matches the breed name.
Endpoint ID: 36507
GET https://zylalabs.com/api/14443/pet+health+and+insurance+data+api/36507/list+breeds
INPUT PARAMETERS

List Breeds — Endpoint Features

Object Description
search Optional Filter breeds whose name contains this text.

Free test requests remaining: 3 of 3.


INPUT PARAMETERS

search
API EXAMPLE RESPONSE
JSON
{
    "data": [
        {
            "slug": "beagle",
            "name": "Beagle",
            "size": "small",
            "group": "Hound",
            "lifespan_years": {
                "low": 10,
                "high": 15
            },
            "popularity_rank": 8
        }
    ],
    "meta": {
        "api_version": "v1",
        "model_updated": "2026-09"
    }
}
List Breeds — CODE SNIPPETS

curl --location --request GET 'https://zylalabs.com/api/14443/pet+health+and+insurance+data+api/36507/list+breeds?search=beagle' --header 'Authorization: Bearer YOUR_API_KEY' 


    
Request
One dog breed with the conditions it is prone to, how common each is, the treatment cost range and the public source when one is recorded.
Endpoint ID: 36508
GET https://zylalabs.com/api/14443/pet+health+and+insurance+data+api/36508/breed+health+profile
INPUT PARAMETERS

Free test requests remaining: 3 of 3.

API EXAMPLE RESPONSE
JSON
{
    "data": {
        "slug": "beagle",
        "name": "Beagle",
        "size": "small",
        "group": "Hound",
        "lifespan_years": {
            "low": 10,
            "high": 15
        },
        "popularity_rank": 8,
        "summary": "Sturdy hound; epilepsy, hypothyroidism and disc disease are the usual claims.",
        "profile_sources": [],
        "conditions": [
            {
                "slug": "ear-infections",
                "name": "Chronic ear infections",
                "prevalence": "very common",
                "treatment_cost_usd": {
                    "low": 150,
                    "high": 800
                },
                "risk_sources": [
                    {
                        "title": "Frequency and predisposing factors for canine otitis externa in the UK - a primary veterinary care epidemiological view (VetCompass)",
                        "publisher": "Canine Medicine and Genetics (full text via Europe PMC)",
                        "url": "https://pmc.ncbi.nlm.nih.gov/articles/PMC8422687/",
                        "year": 2021,
                        "claim": "Beagles had 2.54 times the odds of otitis externa versus crossbreds (VetCompass)"
                    }
                ],
                "cost_sources": [
                    {
                        "title": "Does Pet Insurance Cover Ear Infections?",
                        "publisher": "Embrace Pet Insurance",
                        "url": "https://www.embracepetinsurance.com/research/pet-insurance-ear-infections-coverage",
                        "year": null,
                        "claim": "A vet visit for an ear infection runs $150 to $300; severe cases exceed $500"
                    }
                ]
            },
            {
                "slug": "ivdd",
                "name": "Intervertebral disc disease (IVDD)",
                "prevalence": "common",
                "treatment_cost_usd": {
                    "low": 2000,
                    "high": 12000
                },
                "risk_sources": [
                    {
                        "title": "Beagle",
                        "publisher": "VCA Animal Hospitals",
                        "url": "https://vcahospitals.com/know-your-pet/beagle",
                        "year": 2026,
                        "claim": "VCA lists intervertebral disc disease as a health consideration for Beagles"
                    }
                ],
                "cost_sources": [
                    {
                        "title": "11 Most Expensive Dog Health Problems",
                        "publisher": "MetLife Pet Insurance",
                        "url": "https://www.metlifepetinsurance.com/blog/pet-health/dog-health-problems/",
                        "year": 2025,
                        "claim": "IVDD surgery averages $2,000 to $4,000, upwards of $12,000 with imaging and care"
                    }
                ]
            },
            {
                "slug": "epilepsy",
                "name": "Epilepsy",
                "prevalence": "common",
                "treatment_cost_usd": {
                    "low": 200,
                    "high": 5000
                },
                "risk_sources": [
                    {
                        "title": "Beagle",
                        "publisher": "VCA Animal Hospitals",
                        "url": "https://vcahospitals.com/know-your-pet/beagle",
                        "year": 2026,
                        "claim": "VCA lists epilepsy as a health consideration for Beagles"
                    }
                ],
                "cost_sources": [
                    {
                        "title": "Epilepsy and Seizures",
                        "publisher": "Embrace Pet Insurance",
                        "url": "https://www.embracepetinsurance.com/health/epilepsy-seizures",
                        "year": 2024,
                        "claim": "Epilepsy care costs $200 to $500 a year for simple cases, up to $5,000 a year with costlier drugs"
                    }
                ]
            },
            {
                "slug": "hypothyroidism",
                "name": "Hypothyroidism",
                "prevalence": "common",
                "treatment_cost_usd": {
                    "low": 290,
                    "high": 750
                },
                "risk_sources": [
                    {
                        "title": "Beagle",
                        "publisher": "VCA Animal Hospitals",
                        "url": "https://vcahospitals.com/know-your-pet/beagle",
                        "year": 2026,
                        "claim": "VCA lists hypothyroidism as a health consideration for Beagles"
                    }
                ],
                "cost_sources": [
                    {
                        "title": "Hypothyroidism",
                        "publisher": "Embrace Pet Insurance",
                        "url": "https://www.embracepetinsurance.com/health/hypothyroidism",
                        "year": 2021,
                        "claim": "Testing $50 to $150 plus medication of $20 to $50 a month (about $290 to $750 in the first year)"
                    }
                ]
            },
            {
                "slug": "eye-conditions",
                "name": "Eye conditions (cataracts, PRA, cherry eye)",
                "prevalence": "occasional",
                "treatment_cost_usd": {
                    "low": 300,
                    "high": 6700
                },
                "risk_sources": [
                    {
                        "title": "Beagle",
                        "publisher": "VCA Animal Hospitals",
                        "url": "https://vcahospitals.com/know-your-pet/beagle",
                        "year": 2026,
                        "claim": "VCA lists cherry eye and cataracts as health considerations for Beagles"
                    }
                ],
                "cost_sources": [
                    {
                        "title": "Cherry Eye",
                        "publisher": "Embrace Pet Insurance",
                        "url": "https://www.embracepetinsurance.com/health/cherry-eye",
                        "year": 2024,
                        "claim": "Cherry eye surgery costs $300 to $800"
                    },
                    {
                        "title": "Cataracts: What to Expect",
                        "publisher": "University of Missouri Veterinary Health Center",
                        "url": "https://vhc.missouri.edu/ophthalmology/cataracts/cataracts-what-to-expect/",
                        "year": 2025,
                        "claim": "Cataract surgery costs $4,900 to $5,500 for one eye and $5,600 to $6,700 for both"
                    }
                ]
            },
            {
                "slug": "cushings",
                "name": "Cushing's disease",
                "prevalence": "occasional",
                "treatment_cost_usd": {
                    "low": 1000,
                    "high": 4000
                },
                "risk_sources": [
                    {
                        "title": "Disorders of the Pituitary Gland in Dogs",
                        "publisher": "Merck Veterinary Manual",
                        "url": "https://www.merckvetmanual.com/dog-owners/hormonal-disorders-of-dogs/disorders-of-the-pituitary-gland-in-dogs",
                        "year": 2024,
                        "claim": "Beagles are at increased risk of Cushing disease (hyperadrenocorticism)"
                    }
                ],
                "cost_sources": [
                    {
                        "title": "Cushing's Disease in Dogs",
                        "publisher": "Embrace Pet Insurance",
                        "url": "https://www.embracepetinsurance.com/health/cushings-disease",
                        "year": 2026,
                        "claim": "Diagnosis, then medication of $35 to $200+ a month and monitoring blood tests"
                    }
                ]
            }
        ]
    },
    "meta": {
        "api_version": "v1",
        "model_updated": "2026-09"
    }
}
Breed Health Profile — CODE SNIPPETS

curl --location --request GET 'https://zylalabs.com/api/14443/pet+health+and+insurance+data+api/36508/breed+health+profile&slug=Required' --header 'Authorization: Bearer YOUR_API_KEY' 


    
Request
List dog diseases and conditions with a treatment cost range and how many breeds are at risk. Optional search matches the name.
Endpoint ID: 36509
GET https://zylalabs.com/api/14443/pet+health+and+insurance+data+api/36509/list+conditions
INPUT PARAMETERS

List Conditions — Endpoint Features

Object Description
search Optional Filter conditions whose name contains this text.

Free test requests remaining: 3 of 3.


INPUT PARAMETERS

search
API EXAMPLE RESPONSE
JSON
{
    "data": [
        {
            "slug": "hip-dysplasia",
            "name": "Hip dysplasia",
            "treatment_cost_usd": {
                "low": 1000,
                "high": 6000
            },
            "breeds_at_risk": 96
        }
    ],
    "meta": {
        "api_version": "v1",
        "model_updated": "2026-09"
    }
}
List Conditions — CODE SNIPPETS

curl --location --request GET 'https://zylalabs.com/api/14443/pet+health+and+insurance+data+api/36509/list+conditions?search=hip' --header 'Authorization: Bearer YOUR_API_KEY' 


    
Request
One dog condition with its treatment cost range, the source of that cost when recorded, and the breeds at risk.
Endpoint ID: 36510
GET https://zylalabs.com/api/14443/pet+health+and+insurance+data+api/36510/condition+detail
INPUT PARAMETERS

Free test requests remaining: 3 of 3.

API EXAMPLE RESPONSE
JSON
{
    "data": {
        "slug": "hip-dysplasia",
        "name": "Hip dysplasia",
        "treatment_cost_usd": {
            "low": 1000,
            "high": 6000
        },
        "cost_sources": [
            {
                "title": "Hip Dysplasia in Dogs Costs",
                "publisher": "Pets Best",
                "url": "https://www.petsbest.com/blog/hip-dysplasia-dog-costs",
                "year": null,
                "claim": "FHO surgery $1,000 to $2,500 per hip; pelvic osteotomy $3,000 to $6,000 per hip"
            }
        ],
        "breeds_at_risk": [
            {
                "slug": "german-shepherd",
                "name": "German Shepherd",
                "prevalence": "very common",
                "sources": [
                    {
                        "title": "German Shepherd",
                        "publisher": "VCA Animal Hospitals",
                        "url": "https://vcahospitals.com/know-your-pet/german-shepherd",
                        "year": 2026,
                        "claim": "Joint disease is a major concern in German Shepherds; VCA lists hip dysplasia"
                    }
                ]
            },
            {
                "slug": "bulldog",
                "name": "Bulldog",
                "prevalence": "very common",
                "sources": [
                    {
                        "title": "Hip Dysplasia in Dogs",
                        "publisher": "VCA Animal Hospitals",
                        "url": "https://vcahospitals.com/know-your-pet/hip-dysplasia-in-dogs",
                        "year": null,
                        "claim": "Hip dysplasia is predominantly seen in larger dogs including bulldogs"
                    }
                ]
            },
            {
                "slug": "rottweiler",
                "name": "Rottweiler",
                "prevalence": "very common",
                "sources": [
                    {
                        "title": "Rottweiler",
                        "publisher": "VCA Animal Hospitals",
                        "url": "https://vcahospitals.com/know-your-pet/rottweiler",
                        "year": 2026,
                        "claim": "Rottweilers have an increased risk of joint disease; VCA lists hip dysplasia"
                    }
                ]
            },
            {
                "slug": "cane-corso",
                "name": "Cane Corso",
                "prevalence": "very common",
                "sources": [
                    {
                        "title": "Health (Common Cane Corso Health Concerns)",
                        "publisher": "Cane Corso Association of America",
                        "url": "https://www.canecorso.org/health.html",
                        "year": null,
                        "claim": "The CCAA (parent club) states hip dysplasia is fairly common in the Cane Corso"
                    }
                ]
            },
            {
                "slug": "bernese-mountain-dog",
                "name": "Bernese Mountain Dog",
                "prevalence": "very common",
                "sources": [
                    {
                        "title": "Health Statement for the Bernese Mountain Dog Club of America",
                        "publisher": "Bernese Mountain Dog Club of America (AKC parent club)",
                        "url": "https://cdn.akc.org/Marketplace/Health-Statement/Bernese-Mountain-Dog.pdf",
                        "year": null,
                        "claim": "The BMDCA (parent club) CHIC requirements include hip dysplasia evaluation for Bernese Mountain Dogs"
                    }
                ]
            },
            {
                "slug": "mastiff",
                "name": "Mastiff",
                "prevalence": "very common",
                "sources": [
                    {
                        "title": "Mastiff Club of America health statement (CHIC tests)",
                        "publisher": "Mastiff Club of America (via AKC)",
                        "url": "https://cdn.akc.org/Marketplace/Health-Statement/Mastiff.pdf",
                        "year": 2016,
                        "claim": "The Mastiff Club of America includes OFA hip dysplasia evaluation in its recommended CHIC tests for Mastiffs (recognized breed health concern)"
                    }
                ]
            },
            {
                "slug": "newfoundland",
                "name": "Newfoundland",
                "prevalence": "very common",
                "sources": [
                    {
                        "title": "Newfoundland Club of America health statement",
                        "publisher": "Newfoundland Club of America (via AKC)",
                        "url": "https://cdn.akc.org/Marketplace/Health-Statement/Newfoundland.pdf",
                        "year": null,
                        "claim": "The Newfoundland Club of America requires OFA hip radiographs for CHIC (recognized breed health concern)"
                    }
                ]
            },
            {
                "slug": "akita",
                "name": "Akita",
                "prevalence": "very common",
                "sources": [
                    {
                        "title": "Akita | VCA Animal Hospitals",
                        "publisher": "VCA Animal Hospitals / LifeLearn",
                        "url": "https://vcahospitals.com/know-your-pet/akita",
                        "year": null,
                        "claim": "VCA lists hip dysplasia among health considerations for Akitas"
                    }
                ]
            },
            {
                "slug": "saint-bernard",
                "name": "Saint Bernard",
                "prevalence": "very common",
                "sources": [
                    {
                        "title": "Hip Dysplasia in Dogs",
                        "publisher": "VCA Animal Hospitals",
                        "url": "https://vcahospitals.com/know-your-pet/hip-dysplasia-in-dogs",
                        "year": null,
                        "claim": "VCA: hip dysplasia is predominantly seen in larger dogs such as Saint Bernards"
                    }
                ]
            },
            {
                "slug": "bullmastiff",
                "name": "Bullmastiff",
                "prevalence": "very common",
                "sources": [
                    {
                        "title": "Working Group Health Testing Requirements",
                        "publisher": "American Kennel Club",
                        "url": "https://www.akc.org/breeder-programs/breed-health-testing-requirements/working-group-health-testing-requirements/",
                        "year": null,
                        "claim": "The Bullmastiff national breed club recommends a hip evaluation as a breed health test"
                    }
                ]
            },
            {
                "slug": "labrador-retriever",
                "name": "Labrador Retriever",
                "prevalence": "common",
                "sources": [
                    {
                        "title": "Labrador Retriever",
                        "publisher": "VCA Animal Hospitals",
                        "url": "https://vcahospitals.com/know-your-pet/labrador-retriever",
                        "year": 2026,
                        "claim": "VCA lists hip dysplasia as a health consideration for Labrador Retrievers"
                    }
                ]
            },
            {
                "slug": "golden-retriever",
                "name": "Golden Retriever",
                "prevalence": "common",
                "sources": [
                    {
                        "title": "Golden Retriever",
                        "publisher": "VCA Animal Hospitals",
                        "url": "https://vcahospitals.com/know-your-pet/golden-retriever",
                        "year": 2026,
                        "claim": "VCA lists hip dysplasia as a health consideration for Golden Retrievers"
                    }
                ]
            },
            {
                "slug": "german-shorthaired-pointer",
                "name": "German Shorthaired Pointer",
                "prevalence": "common",
                "sources": [
                    {
                        "title": "German Shorthaired Pointer Club of America health statement (CHIC requirements)",
                        "publisher": "German Shorthaired Pointer Club of America / AKC",
                        "url": "https://cdn.akc.org/Marketplace/Health-Statement/German-Shorthaired-Pointed.pdf",
                        "year": 2014,
                        "claim": "The GSPCA requires OFA/PennHIP hip evaluation for CHIC, a recognized breed health concern"
                    }
                ]
            },
            {
                "slug": "pembroke-welsh-corgi",
                "name": "Pembroke Welsh Corgi",
                "prevalence": "common",
                "sources": [
                    {
                        "title": "Health and Genetics",
                        "publisher": "Pembroke Welsh Corgi Club of America",
                        "url": "https://pwcca.org/Genetics-and-Health",
                        "year": null
                    }
                ]
            }
        ]
    },
    "_note": "Response truncated for documentation purposes"
}
Condition Detail — CODE SNIPPETS

curl --location --request GET 'https://zylalabs.com/api/14443/pet+health+and+insurance+data+api/36510/condition+detail&slug=Required' --header 'Authorization: Bearer YOUR_API_KEY' 


    
Request
Monthly dog insurance figure by breed, ZIP or state, age, reimbursement and deductible. This is a model, not a price from an insurer.
Endpoint ID: 36511
GET https://zylalabs.com/api/14443/pet+health+and+insurance+data+api/36511/monthly+estimate
INPUT PARAMETERS

Monthly Estimate — Endpoint Features

Object Description
breed Required Breed slug from the breed list. Required.
zip Optional Five digit US ZIP code. It wins over state.
state Optional State slug or two letter code.
age Optional Age in years from 0 to 14. Default is 2.
reimbursement Optional Reimbursement percent: 70, 80 or 90.
deductible Optional Deductible in USD: 100, 250, 500 or 1000.

Free test requests remaining: 3 of 3.


INPUT PARAMETERS

breed
zip
state
age
reimbursement
deductible
API EXAMPLE RESPONSE
JSON
{
    "data": {
        "breed": {
            "slug": "beagle",
            "name": "Beagle"
        },
        "location": {
            "state_code": "CA",
            "state_name": "California"
        },
        "inputs": {
            "age_years": 2,
            "reimbursement_percent": 80,
            "deductible_usd": 250
        },
        "monthly_usd": {
            "low": 40,
            "mid": 51,
            "high": 66
        },
        "yearly_usd_mid": 612,
        "by_insurer": [
            {
                "slug": "lemonade",
                "name": "Lemonade",
                "monthly_usd": 47
            },
            {
                "slug": "embrace",
                "name": "Embrace",
                "monthly_usd": 51
            },
            {
                "slug": "spot",
                "name": "Spot",
                "monthly_usd": 52
            },
            {
                "slug": "pets-best",
                "name": "Pets Best",
                "monthly_usd": 48
            },
            {
                "slug": "fetch",
                "name": "Fetch",
                "monthly_usd": 54
            },
            {
                "slug": "odie",
                "name": "Odie",
                "monthly_usd": 45
            },
            {
                "slug": "trupanion",
                "name": "Trupanion",
                "monthly_usd": 64
            },
            {
                "slug": "healthy-paws",
                "name": "Healthy Paws",
                "monthly_usd": 56
            }
        ],
        "disclaimer": "Model estimates, not quotes from the insurers; each insurer sets its own price."
    },
    "meta": {
        "api_version": "v1",
        "model_updated": "2026-09"
    }
}
Monthly Estimate — CODE SNIPPETS

curl --location --request GET 'https://zylalabs.com/api/14443/pet+health+and+insurance+data+api/36511/monthly+estimate?breed=beagle&zip=90210&state=california&age=2&reimbursement=80&deductible=250' --header 'Authorization: Bearer YOUR_API_KEY' 


    
Request
US states that have their own dog insurance price index. States that are missing use the national average.
Endpoint ID: 36512
GET https://zylalabs.com/api/14443/pet+health+and+insurance+data+api/36512/state+price+index
INPUT PARAMETERS

Free test requests remaining: 3 of 3.

This endpoint does not require any input parameters.

API EXAMPLE RESPONSE
JSON
{
    "data": [
        {
            "code": "CA",
            "slug": "california",
            "name": "California",
            "price_index": 1.21
        },
        {
            "code": "TX",
            "slug": "texas",
            "name": "Texas",
            "price_index": 0.96
        },
        {
            "code": "FL",
            "slug": "florida",
            "name": "Florida",
            "price_index": 1.02
        },
        {
            "code": "NY",
            "slug": "new-york",
            "name": "New York",
            "price_index": 1.13
        },
        {
            "code": "PA",
            "slug": "pennsylvania",
            "name": "Pennsylvania",
            "price_index": 1.11
        },
        {
            "code": "IL",
            "slug": "illinois",
            "name": "Illinois",
            "price_index": 1.13
        },
        {
            "code": "OH",
            "slug": "ohio",
            "name": "Ohio",
            "price_index": 1.02
        },
        {
            "code": "GA",
            "slug": "georgia",
            "name": "Georgia",
            "price_index": 1.02
        },
        {
            "code": "NC",
            "slug": "north-carolina",
            "name": "North Carolina",
            "price_index": 0.98
        },
        {
            "code": "WA",
            "slug": "washington",
            "name": "Washington",
            "price_index": 1.38
        },
        {
            "code": "MI",
            "slug": "michigan",
            "name": "Michigan",
            "price_index": 0.97
        },
        {
            "code": "NJ",
            "slug": "new-jersey",
            "name": "New Jersey",
            "price_index": 1.03
        },
        {
            "code": "VA",
            "slug": "virginia",
            "name": "Virginia",
            "price_index": 0.98
        },
        {
            "code": "AZ",
            "slug": "arizona",
            "name": "Arizona",
            "price_index": 1.02
        },
        {
            "code": "TN",
            "slug": "tennessee",
            "name": "Tennessee",
            "price_index": 0.85
        },
        {
            "code": "MA",
            "slug": "massachusetts",
            "name": "Massachusetts",
            "price_index": 1.33
        },
        {
            "code": "IN",
            "slug": "indiana",
            "name": "Indiana",
            "price_index": 0.8
        },
        {
            "code": "MO",
            "slug": "missouri",
            "name": "Missouri",
            "price_index": 0.85
        },
        {
            "code": "MD",
            "slug": "maryland",
            "name": "Maryland",
            "price_index": 1.02
        },
        {
            "code": "CO",
            "slug": "colorado",
            "name": "Colorado",
            "price_index": 1.26
        },
        {
            "code": "WI",
            "slug": "wisconsin",
            "name": "Wisconsin",
            "price_index": 1.11
        },
        {
            "code": "MN",
            "slug": "minnesota",
            "name": "Minnesota",
            "price_index": 0.93
        },
        {
            "code": "SC",
            "slug": "south-carolina",
            "name": "South Carolina",
            "price_index": 0.98
        },
        {
            "code": "AL",
            "slug": "alabama",
            "name": "Alabama",
            "price_index": 0.8
        },
        {
            "code": "LA",
            "slug": "louisiana",
            "name": "Louisiana",
            "price_index": 0.95
        },
        {
            "code": "KY",
            "slug": "kentucky",
            "name": "Kentucky",
            "price_index": 0.8
        },
        {
            "code": "NM",
            "slug": "new-mexico",
            "name": "New Mexico",
            "price_index": 0.89
        },
        {
            "code": "NH",
            "slug": "new-hampshire",
            "name": "New Hampshire",
            "price_index": 1.11
        },
        {
            "code": "ND",
            "slug": "north-dakota",
            "name": "North Dakota",
            "price_index": 0.8
        }
    ],
    "meta": {
        "api_version": "v1",
        "model_updated": "2026-09"
    }
}
State Price Index — CODE SNIPPETS

curl --location --request GET 'https://zylalabs.com/api/14443/pet+health+and+insurance+data+api/36512/state+price+index' --header 'Authorization: Bearer YOUR_API_KEY' 


    
Request
What eight US pet insurers publish about their policies, each fact with the page or document that states it.
Endpoint ID: 36513
GET https://zylalabs.com/api/14443/pet+health+and+insurance+data+api/36513/insurer+policy+facts
INPUT PARAMETERS

Free test requests remaining: 3 of 3.

This endpoint does not require any input parameters.

API EXAMPLE RESPONSE
JSON
{
    "data": [
        {
            "slug": "lemonade",
            "name": "Lemonade",
            "underwriter": "Lemonade Insurance Company",
            "facts_verified": true,
            "facts": [
                {
                    "topic": "exam_fees",
                    "value": "Add-on (Vet Visit Fees)",
                    "note": "Base policy excludes vet examination fees; the vet visit fee add-on covers them for eligible accidents/illnesses.",
                    "source": {
                        "title": "Lemonade's Pet Insurance Add-Ons, Explained",
                        "publisher": "Lemonade",
                        "url": "https://www.lemonade.com/pet/explained/lemonade-pet-add-ons/",
                        "accessed": "2026-10-02"
                    }
                },
                {
                    "topic": "annual_limits",
                    "value": "$5,000 to $100,000",
                    "note": "Coverage limit chosen at purchase; no unlimited option mentioned.",
                    "source": {
                        "title": "Co-insurance, explained (Lemonade)",
                        "publisher": "Lemonade",
                        "url": "https://www.lemonade.com/pet/explained/co-insurance/",
                        "accessed": "2026-10-02"
                    }
                },
                {
                    "topic": "deductibles",
                    "value": "Annual: $100, $250, $500, $750",
                    "note": "Deductible is an annual amount, met in one claim or across several claims in a year.",
                    "source": {
                        "title": "Pet Insurance Terms, Explained",
                        "publisher": "Lemonade",
                        "url": "https://www.lemonade.com/pet/explained/pet-insurance-terms-explained/",
                        "accessed": "2026-10-02"
                    }
                },
                {
                    "topic": "hereditary_congenital",
                    "value": "Covered in base policy",
                    "note": "Base accident and illness policy covers hereditary and congenital conditions (e.g., hip/elbow dysplasia) unless pre-existing.",
                    "source": {
                        "title": "Lemonade Pet Health Insurance sample policy LEM-PET (04-21), New Jersey example",
                        "publisher": "Lemonade",
                        "url": "https://icebox.lemonade.com/tokens/lftkn-uphfnkp88b5cwkbhvdou",
                        "accessed": "2026-10-02"
                    }
                },
                {
                    "topic": "orthopedic_waiting",
                    "value": "Ortho 30 days; CCL 6 months (some states)",
                    "note": "Waiting periods vary by state: 2 days accidents, 14 days illness, 30 days orthopedic, 6 months cruciate.",
                    "source": {
                        "title": "Lemonade FAQ (Pet Health Insurance section)",
                        "publisher": "Lemonade",
                        "url": "https://www.lemonade.com/faq",
                        "accessed": "2026-10-02"
                    }
                },
                {
                    "topic": "dental",
                    "value": "Add-on only; $1,000/yr limit",
                    "note": "Base policy excludes dental illness; dental illness add-on covers extractions and periodontal disease up to $1,000; cleanings via add-on or Preventative+.",
                    "source": {
                        "title": "Lemonade's Pet Insurance Add-Ons, Explained",
                        "publisher": "Lemonade",
                        "url": "https://www.lemonade.com/pet/explained/lemonade-pet-add-ons/",
                        "accessed": "2026-10-02"
                    }
                },
                {
                    "topic": "bilateral",
                    "value": "Yes, bilateral exclusion",
                    "note": "If one side shows signs of a bilateral condition before the policy starts, the other side is not covered.",
                    "source": {
                        "title": "How Does Pet Insurance Work? (Lemonade coverage guide)",
                        "publisher": "Lemonade",
                        "url": "https://www.lemonade.com/pet/explained/pet-insurance/",
                        "accessed": "2026-10-02"
                    }
                },
                {
                    "topic": "age_limits",
                    "value": "From 8 weeks; max not stated",
                    "note": "An upper enrollment age limit exists but its value is not stated on the pages checked.",
                    "source": {
                        "title": "Is Pet Insurance Worth It?",
                        "publisher": "Lemonade",
                        "url": "https://www.lemonade.com/pet/explained/is-pet-insurance-worth-it/",
                        "accessed": "2026-10-02"
                    }
                },
                {
                    "topic": "claims",
                    "value": "In app; ~50% paid instantly",
                    "note": "File in the Lemonade app within 180 days of treatment (90 in Texas); rest typically within 5 days.",
                    "source": {
                        "title": "How Does Pet Insurance Work? (Lemonade coverage guide)",
                        "publisher": "Lemonade",
                        "url": "https://www.lemonade.com/pet/explained/pet-insurance/",
                        "accessed": "2026-10-02"
                    }
                },
                {
                    "topic": "claims",
                    "value": "File within 180 days",
                    "note": "Claims must be filed within 180 days of treatment; Texas residents have 90 days.",
                    "source": {
                        "title": "The Ultimate Lemonade Pet FAQ",
                        "publisher": "Lemonade",
                        "url": "https://www.lemonade.com/pet/explained/lemonade-pet-insurance-faq/",
                        "accessed": "2026-10-02"
                    }
                },
                {
                    "topic": "direct_vet_pay",
                    "value": "No, reimbursement model",
                    "note": "You pay treatment costs up front, then Lemonade reimburses to your bank account.",
                    "source": {
                        "title": "The Ultimate Lemonade Pet FAQ",
                        "publisher": "Lemonade",
                        "url": "https://www.lemonade.com/pet/explained/lemonade-pet-insurance-faq/",
                        "accessed": "2026-10-02"
                    }
                },
                {
                    "topic": "wellness",
                    "value": "Preventative / Preventative+ packages",
                    "note": "Routine vet care plan: one wellness exam, up to three vaccines, wellness tests; Plus adds unlimited exams and more.",
                    "source": {
                        "title": "Lemonade FAQ (Pet Health Insurance section)",
                        "publisher": "Lemonade",
                        "url": "https://www.lemonade.com/faq",
                        "accessed": "2026-10-02"
                    }
                },
                {
                    "topic": "cancer",
                    "value": "Covered in base policy",
                    "note": "Cancer diagnostics, treatments and medications covered if not pre-existing; chemotherapy covered, experimental treatments not.",
                    "source": {
                        "title": "The Ultimate Lemonade Pet FAQ",
                        "publisher": "Lemonade",
                        "url": "https://www.lemonade.com/pet/explained/lemonade-pet-insurance-faq/",
                        "accessed": "2026-10-02"
                    }
                },
                {
                    "topic": "alternative_therapy",
                    "value": "Add-on (Physical Therapy)",
                    "note": "Physical therapy, acupuncture and hydrotherapy covered only with the physical therapy add-on; CBD/aromatherapy excluded.",
                    "source": {
                        "title": "Lemonade's Pet Insurance Add-Ons, Explained",
                        "publisher": "Lemonade",
                        "url": "https://www.lemonade.com/pet/explained/lemonade-pet-add-ons/",
                        "accessed": "2026-10-02"
                    }
                },
                {
                    "topic": "prescription_food",
                    "value": "Not covered",
                    "note": "Sample policy excludes prescription food and routine supplements/vitamins.",
                    "source": {
                        "title": "Lemonade Pet Health Insurance sample policy LEM-PET (04-21), New Jersey example",
                        "publisher": "Lemonade",
                        "url": "https://icebox.lemonade.com/tokens/lftkn-uphfnkp88b5cwkbhvdou",
                        "accessed": "2026-10-02"
                    }
                },
                {
                    "topic": "behavioral",
                    "value": "Add-on; separate $1,000 limit",
                    "note": "Behavioral conditions add-on covers vet- or licensed-behaviorist therapies, meds and training; separate $1,000 annual limit."
                }
            ]
        }
    ],
    "_note": "Response truncated for documentation purposes"
}
Insurer Policy Facts — CODE SNIPPETS

curl --location --request GET 'https://zylalabs.com/api/14443/pet+health+and+insurance+data+api/36513/insurer+policy+facts' --header 'Authorization: Bearer YOUR_API_KEY' 


    
Request
One US pet insurer and the policy facts it publishes, each fact with the page or document that states it.
Endpoint ID: 36514
GET https://zylalabs.com/api/14443/pet+health+and+insurance+data+api/36514/insurer+detail
INPUT PARAMETERS

Free test requests remaining: 3 of 3.

API EXAMPLE RESPONSE
JSON
{
    "data": {
        "slug": "lemonade",
        "name": "Lemonade",
        "underwriter": "Lemonade Insurance Company",
        "facts_verified": true,
        "facts": [
            {
                "topic": "exam_fees",
                "value": "Add-on (Vet Visit Fees)",
                "note": "Base policy excludes vet examination fees; the vet visit fee add-on covers them for eligible accidents/illnesses.",
                "source": {
                    "title": "Lemonade's Pet Insurance Add-Ons, Explained",
                    "publisher": "Lemonade",
                    "url": "https://www.lemonade.com/pet/explained/lemonade-pet-add-ons/",
                    "accessed": "2026-10-02"
                }
            },
            {
                "topic": "annual_limits",
                "value": "$5,000 to $100,000",
                "note": "Coverage limit chosen at purchase; no unlimited option mentioned.",
                "source": {
                    "title": "Co-insurance, explained (Lemonade)",
                    "publisher": "Lemonade",
                    "url": "https://www.lemonade.com/pet/explained/co-insurance/",
                    "accessed": "2026-10-02"
                }
            },
            {
                "topic": "deductibles",
                "value": "Annual: $100, $250, $500, $750",
                "note": "Deductible is an annual amount, met in one claim or across several claims in a year.",
                "source": {
                    "title": "Pet Insurance Terms, Explained",
                    "publisher": "Lemonade",
                    "url": "https://www.lemonade.com/pet/explained/pet-insurance-terms-explained/",
                    "accessed": "2026-10-02"
                }
            },
            {
                "topic": "hereditary_congenital",
                "value": "Covered in base policy",
                "note": "Base accident and illness policy covers hereditary and congenital conditions (e.g., hip/elbow dysplasia) unless pre-existing.",
                "source": {
                    "title": "Lemonade Pet Health Insurance sample policy LEM-PET (04-21), New Jersey example",
                    "publisher": "Lemonade",
                    "url": "https://icebox.lemonade.com/tokens/lftkn-uphfnkp88b5cwkbhvdou",
                    "accessed": "2026-10-02"
                }
            },
            {
                "topic": "orthopedic_waiting",
                "value": "Ortho 30 days; CCL 6 months (some states)",
                "note": "Waiting periods vary by state: 2 days accidents, 14 days illness, 30 days orthopedic, 6 months cruciate.",
                "source": {
                    "title": "Lemonade FAQ (Pet Health Insurance section)",
                    "publisher": "Lemonade",
                    "url": "https://www.lemonade.com/faq",
                    "accessed": "2026-10-02"
                }
            },
            {
                "topic": "dental",
                "value": "Add-on only; $1,000/yr limit",
                "note": "Base policy excludes dental illness; dental illness add-on covers extractions and periodontal disease up to $1,000; cleanings via add-on or Preventative+.",
                "source": {
                    "title": "Lemonade's Pet Insurance Add-Ons, Explained",
                    "publisher": "Lemonade",
                    "url": "https://www.lemonade.com/pet/explained/lemonade-pet-add-ons/",
                    "accessed": "2026-10-02"
                }
            },
            {
                "topic": "bilateral",
                "value": "Yes, bilateral exclusion",
                "note": "If one side shows signs of a bilateral condition before the policy starts, the other side is not covered.",
                "source": {
                    "title": "How Does Pet Insurance Work? (Lemonade coverage guide)",
                    "publisher": "Lemonade",
                    "url": "https://www.lemonade.com/pet/explained/pet-insurance/",
                    "accessed": "2026-10-02"
                }
            },
            {
                "topic": "age_limits",
                "value": "From 8 weeks; max not stated",
                "note": "An upper enrollment age limit exists but its value is not stated on the pages checked.",
                "source": {
                    "title": "Is Pet Insurance Worth It?",
                    "publisher": "Lemonade",
                    "url": "https://www.lemonade.com/pet/explained/is-pet-insurance-worth-it/",
                    "accessed": "2026-10-02"
                }
            },
            {
                "topic": "claims",
                "value": "In app; ~50% paid instantly",
                "note": "File in the Lemonade app within 180 days of treatment (90 in Texas); rest typically within 5 days.",
                "source": {
                    "title": "How Does Pet Insurance Work? (Lemonade coverage guide)",
                    "publisher": "Lemonade",
                    "url": "https://www.lemonade.com/pet/explained/pet-insurance/",
                    "accessed": "2026-10-02"
                }
            },
            {
                "topic": "claims",
                "value": "File within 180 days",
                "note": "Claims must be filed within 180 days of treatment; Texas residents have 90 days.",
                "source": {
                    "title": "The Ultimate Lemonade Pet FAQ",
                    "publisher": "Lemonade",
                    "url": "https://www.lemonade.com/pet/explained/lemonade-pet-insurance-faq/",
                    "accessed": "2026-10-02"
                }
            },
            {
                "topic": "direct_vet_pay",
                "value": "No, reimbursement model",
                "note": "You pay treatment costs up front, then Lemonade reimburses to your bank account.",
                "source": {
                    "title": "The Ultimate Lemonade Pet FAQ",
                    "publisher": "Lemonade",
                    "url": "https://www.lemonade.com/pet/explained/lemonade-pet-insurance-faq/",
                    "accessed": "2026-10-02"
                }
            },
            {
                "topic": "wellness",
                "value": "Preventative / Preventative+ packages",
                "note": "Routine vet care plan: one wellness exam, up to three vaccines, wellness tests; Plus adds unlimited exams and more.",
                "source": {
                    "title": "Lemonade FAQ (Pet Health Insurance section)",
                    "publisher": "Lemonade",
                    "url": "https://www.lemonade.com/faq",
                    "accessed": "2026-10-02"
                }
            },
            {
                "topic": "cancer",
                "value": "Covered in base policy",
                "note": "Cancer diagnostics, treatments and medications covered if not pre-existing; chemotherapy covered, experimental treatments not.",
                "source": {
                    "title": "The Ultimate Lemonade Pet FAQ",
                    "publisher": "Lemonade",
                    "url": "https://www.lemonade.com/pet/explained/lemonade-pet-insurance-faq/",
                    "accessed": "2026-10-02"
                }
            },
            {
                "topic": "alternative_therapy",
                "value": "Add-on (Physical Therapy)",
                "note": "Physical therapy, acupuncture and hydrotherapy covered only with the physical therapy add-on; CBD/aromatherapy excluded.",
                "source": {
                    "title": "Lemonade's Pet Insurance Add-Ons, Explained",
                    "publisher": "Lemonade",
                    "url": "https://www.lemonade.com/pet/explained/lemonade-pet-add-ons/",
                    "accessed": "2026-10-02"
                }
            },
            {
                "topic": "prescription_food",
                "value": "Not covered",
                "note": "Sample policy excludes prescription food and routine supplements/vitamins.",
                "source": {
                    "title": "Lemonade Pet Health Insurance sample policy LEM-PET (04-21), New Jersey example",
                    "publisher": "Lemonade",
                    "url": "https://icebox.lemonade.com/tokens/lftkn-uphfnkp88b5cwkbhvdou",
                    "accessed": "2026-10-02"
                }
            },
            {
                "topic": "behavioral",
                "value": "Add-on; separate $1,000 limit",
                "note": "Behavioral conditions add-on covers vet- or licensed-behaviorist therapies, meds and training; separate $1,000 annual limit.",
                "source": {
                    "title": "Lemonade's Pet Insurance Add-Ons, Explained",
                    "publisher": "Lemonade",
                    "url": "https://www.lemonade.com/pet/explained/lemonade-pet-add-ons/",
                    "accessed": "2026-10-02"
                }
            },
            {
                "topic": "multi_pet_discount",
                "value": "Up to 10%",
                "note": "Applies to base policy plus vet visit fee and physical therapy add-ons, not preventative packages.",
                "source": {
                    "title": "The Ultimate Lemonade Pet FAQ",
                    "publisher": "Lemonade"
                }
            }
        ]
    },
    "_note": "Response truncated for documentation purposes"
}
Insurer Detail — CODE SNIPPETS

curl --location --request GET 'https://zylalabs.com/api/14443/pet+health+and+insurance+data+api/36514/insurer+detail&slug=Required' --header 'Authorization: Bearer YOUR_API_KEY' 


    

API Access Key & Authentication

After signing up, every developer is assigned a personal API access key, a unique combination of letters and digits provided to access to our API endpoint. To authenticate with the Pet Health and Insurance Data API simply include your bearer token in the Authorization header.

Headers
Header Description
Authorization Required Should be Bearer access_key. See "Your API Access Key" above when you are subscribed.

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(Save 2 months with annual billing 🎉)

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  • Real-Time API Monitoring

Overview

One plan with the eight endpoints: dog breed health profiles, dog disease treatment costs, a monthly US dog insurance figure and published policy facts for 8 pet insurers. Health and treatment costs cover dogs only. The monthly insurance figure is a model, not a price from an insurer. Twenty-nine states have their own price index. A ZIP in any other state uses the national average and the response says so. Trupanion is listed without policy facts because its site cannot be verified. Age changes the monthly insurance figure, not disease risk.

Pet Health and Insurance Data API FAQs

Dog breed health, disease treatment costs, a monthly US dog insurance figure and published policy facts for 8 pet insurers.

No. The monthly figure is a model. It changes with breed, location, age, reimbursement and deductible.

Twenty-nine states have their own price index. A ZIP in any other state uses the national average and the response says so.

Its site blocks verification, so that insurer is listed with no facts.

No. Age changes the monthly insurance figure only. Disease data is not adjusted by age.

Yes. Breed health and treatment costs cover dogs. Policy facts are for 8 US pet insurers.

Each endpoint returns specific data related to dog breeds, health profiles, disease conditions, insurance estimates, and insurer policy facts. For example, the "GET List Breeds" endpoint provides breed characteristics, while "GET Breed Health Profile" details health conditions and treatment costs for a specific breed.

Key fields vary by endpoint. For "GET List Breeds," fields include breed name, size, group, lifespan, and popularity rank. In "GET Condition Detail," fields include treatment cost range, source, and breeds at risk.

Parameters vary by endpoint. For "GET List Breeds," you can search by breed name. "GET Monthly Estimate" allows customization by breed, ZIP or state, age, reimbursement, and deductible. Each endpoint's documentation specifies accepted parameters.

Response data is structured in JSON format, typically containing a "data" array with relevant information. Each endpoint's response includes specific fields pertinent to the requested data, making it easy to parse and utilize.

Data sources include public health records, veterinary studies, and published policy documents from pet insurers. The API aims to provide accurate and reliable information, but users should verify critical data independently when necessary.

Typical use cases include researching dog breed health risks, estimating treatment costs, comparing insurance options, and understanding insurer policy details. This data is valuable for pet owners, veterinarians, and insurance professionals.

Users can analyze the returned data to make informed decisions about pet health care and insurance. For example, by reviewing breed health profiles, users can identify potential health issues and associated costs, aiding in proactive care planning.

If an endpoint returns partial or empty results, users should check their query parameters for accuracy. For example, if "GET List Conditions" returns an empty array, it may indicate no matching conditions for the search term used. Adjusting the search criteria may yield better results.

General FAQs

To obtain your API key, first sign in to your account and navigate to the API you want to use. From the API's Pricing section, choose a plan and complete the subscription process. Once subscribed, return to the API page and you will see your API Access Key displayed at the top of the documentation page. You can use this key to authenticate your requests.

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The local currency shown on the pricing page is based on the country of your IP address and is provided for reference only. The actual prices are in USD (United States Dollar). When you make a payment, the charge will appear on your card statement in USD, even if you see the equivalent amount in your local currency on our website. This means you cannot pay directly with your local currency.
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Prices are determined by a recurring monthly or yearly subscription, depending on the chosen plan.
API calls are deducted from your plan based on successful requests. Each plan comes with a specific number of calls that you can make per month. Only successful calls, indicated by a Status 200 response, will be counted against your total. This ensures that failed or incomplete requests do not impact your monthly quota.
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To check how many API calls you have left for the current month, refer to the 'X-Zyla-API-Calls-Monthly-Remaining' field in the response header. For example, if your plan allows 1,000 requests per month and you've used 100, this field in the response header will indicate 900 remaining calls.

You can monitor your API usage through the response headers included with every request:

x-zyla-api-calls-monthly-used: Shows the total number of API requests you have used during the current billing period.
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