Lemonade | Pet Insurance Review

4.8

out of 5

Number of reviews 836

Lemonade is a new kind of pet insurance company that uses artificial intelligence and behavioral economics to replace brokers and bureaucracy with bots and machine learning.  They aim for zero paperwork and instant everything, and are obsessed with social good, delighting customers, and pets.
5

out of 5

POSTED: | BY: Ellen

Great claim processing and reimbursement time!

Prior to selecting Lemonade Pet Insurance, I looked at several pet health insurance plans. After carefully reviewing all of them, I selected Lemonade because they offer a Pet Wellness Plan. This is important because it encourages all pet parents to bring their beloved fur child in for a yearly checkup, update vaccinations, draw necessary lab tests, etc. As a devoted pet parent, I bring my fur daughter in every year for a wellness exam. The ease of submitting a claim was surprisingly easy, the Customer Service Rep did a fabulous job, received my reimbursement within one business day.
5

out of 5

POSTED: | BY: Joel

Easy and Fas

Filed a claim and received a payment within minutes. Whole process took less than 10 minutes
5

out of 5

POSTED: | BY: Les

Lemonade is easy, fair and affordable

The Lemonade app is extremely user-friendly and even charming. No long waits or call-centers. The refund policy is fair. Never had to haggle for a reimbursement that was promised. The rates are reasonable. I also like that Lemonade believes in supporting non-for profits.
5

out of 5

POSTED: | BY: Alfred

Refreshing like lemonade on a hot summer day

Lemonade makes processing claims so easy. Their app is simple to use and claims are processed immediately. I have added the wellness plan and the claims I made against it were paid out within 1-2 days. Everything is handled through there app and if there are issues with a claim an email is sent in a day or two to explain the issues as well as a callback number should you choose to prefer to talk to a live person.
5

out of 5

POSTED: | BY: Cathy

Excellent Service

They are very efficient ! The staff is pleasant and they handled my claim very quickly. I would highly recommend this company !
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Monthly Cost

Policies start at $10/Month

Coverage

Accident and Illness coverage, with optional wellness package at reimbursement levels of 70%, 80%, or 90% after the deductible.

Payout Limits

Lemonade Pet Insurance benefits cap off between $5,000 and $100,000, depending on how users set up their policy.

Deductible

$100, $250 or $500 annually.

Age Limits

Pets must be at least 8 weeks old to enroll. Lemonade does not terminate coverage for pets as they age.

Waiting Period

All Lemonade pet policies have a series of waiting periods: -2 days for accidents -14 days for illnesses -6 months for cruciate ligament events There is no waiting period for preventative coverage.

Exclusions

Exclusions follow the market standard, so they don’t cover pre-existing conditions; bilateral conditions, dental illness, microchipping; anal gland expression; spaying and neutering; something that happens because of breeding or pregnancy; prescription food; vitamins; and supplements; experimental treatments, or recurring conditions. They will be expanding some of these coverages soon.
Lemonade Pet Insurance detail
Lemonade is a new kind of pet insurance company (they also have renters, homeowners, and term life insurance in the United States, and home policies in Germany, the Netherlands, and France). They use artificial intelligence and behavioral economics to replace brokers and bureaucracy with bots and machine learning, they aim for zero paperwork and instant everything. They’re also a Certified B Corporation TM, and donate unused premiums to nonprofits (including several pet-centric causes) that users select when they sign up. They’re on the CNBC Disruptor list, and ranked at the top among competitors and in the app store. They’re obsessed with social good, delighting customers, and our pets. They’re currently available in these states. Check Lemonade pet insurance out on Instagram: instagram.com/lemonade_pet
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