8家美国宠物保险公司关于其政策的公开内容 每个事实都附有说明其内容的页面或文件 Trupanion未列出经过验证的事实
在 Postman 中运行
{
"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"
}
curl --location --request GET 'https://zylalabs.com/api/14442/pet+insurance+policy+facts+api/36505/insurer+policy+facts' --header 'Authorization: Bearer YOUR_API_KEY'
{
"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"
}
curl --location --request GET 'https://zylalabs.com/api/14442/pet+insurance+policy+facts+api/36506/insurer+detail&slug=Required' --header 'Authorization: Bearer YOUR_API_KEY'
注册后，每个开发者都会被分配一个个人 API 访问密钥，这是一个唯一的字母和数字组合，用于访问我们的 API 端点。要使用 宠物保险政策事实 API 进行身份验证，只需在 Authorization 标头中包含您的 bearer token。
| 标头 | 描述 |
|---|---|
授权
|
必需
应为 Bearer access_key. 订阅后，请查看上方的"您的 API 访问密钥"。
|
8家美国宠物保险公司关于其政策的发布内容。这份清单及每个保险公司页面包括相关事实以及说明每一项的页面或文档，包括免赔额、限额、报销和等待期。这并不是美国所有的保险公司。Trupanion被列出但没有政策信息，因为其网站无法验证
八家美国宠物保险公司 这并不是全国所有的保险公司
保险公司发布的有关其政策的内容，包括声明该内容的页面或文件
该网站阻止验证，因此它没有任何事实信息被列出
不 这个API仅发布政策事实
不 只有这个数据集中的八个保险公司
获取保险公司政策事实端点返回八家美国宠物保险公司的政策事实列表 而获取保险公司详细信息端点提供特定保险公司的详细政策事实 包括每个事实的来源页面或文档
响应数据通常包括“data”等字段，该字段包含一组政策事实，并可能包括事实描述以及用于验证的来源页面或文档等详细信息
响应数据被结构化为一个JSON对象 "data"字段包含一个政策事实的数组，每个政策事实都表示为一个包含相关细节的对象，使其易于解析和程序化使用
GET保险公司政策事实端点提供所有八家保险公司的通用政策信息，而GET保险公司详细信息端点提供有关单一保险公司政策的深入信息，包括自付额和等待期等具体信息
用户可以通过在获取保险公司详细信息的端点中指定参数，如保险公司名称，自定义他们的请求，以检索该保险公司的特定保单事实
典型的使用案例包括比较宠物保险政策 研究具体政策细节以便做出明智的决策 和核实政策事实以确保合规或进行教育目的
数据准确性通过直接从保险公司发布的材料中获取信息来维持然而由于验证问题，Trupanion的数据被排除，确保只呈现可靠的事实
如果响应数据为空，则表示所请求的保险公司没有可用的事实，或者该保险公司不在数据集中。用户应检查保险公司的名称或参考列出的八家保险公司以进行有效查询
