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: Connor

Easy and Affordable

Bought insurance the day before our dog's first wellness exam. Once the vet had sent over the receipt and exam details, it was maybe 5 minutes to go through the claim process on the app for the bill, and the money was immediately transferred... I can't believe how easy it is to buy the insurance and file claims. Also, the policy we have costs less than any other provider we looked at -- and is more customizable.
5

out of 5

POSTED: | BY: Brad

It's been really easy

So far, I'm really glad I got the insurance. I was worried that it would take heaps of time make claims and then I'd forget about it. But Lemonade makes it so easy to make the claim that I just do it as soon as we get back from the Vet and I get a reply (and deposit) in a very reasonable time.
5

out of 5

POSTED: | BY: Jasmina

Great

Great pet insurance! Saved us money when Our GSD got sick out of nowhere one day. Highly recommend for pets and home insurance!
5

out of 5

POSTED: | BY: nathan

over all its pretty good,everyone is friendly and easy to talk with

over all its been a pretty good insurance. I feel they should cover cover preventative meds like heartworm and flue shots. Because in the long run if we did not use those it would cost everyone allot more money
5

out of 5

POSTED: | BY: Dennis

Izzy has a new friend in Lemonade

Izzy is our. 5 year old ShiPoo. We recently switched to Lemonade for her pet insurance. I researched 10 pet insurance carriers and chose Lemonade based on the coverage, claim service and price. We recently took Izzy for her annual checkup, filed a claim the same day and received payment within 24 hrs that was deposited into my checking account. The app and chat options are easy to use and the customer service is quick in responding to you. Thx for the great service.
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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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