4
out of 5
POSTED: | BY: Derek
Great Customer Service, Poor User Form
The customer service is great and responsive. However, the user form is restrictive and prohibits customization.
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: Megan
SO EASY!!
I am SO happy that I went with Lemonade. My JoJo has allergies and has to take Apoquel. Filing claims with Lemonade is easy and hassle free. I HIGHLY recommend them!
5
out of 5
POSTED: | BY: Wendy
Excellent
Excellent and fast.
5
out of 5
POSTED: | BY: Winter
Switching to Lemonade for pet insurance was the best idea I've had!!
I absolutely love Lemonade. Its easy to use and quick to reimburse! Perfect for the busy dog mom!
5
out of 5
POSTED: | BY: Tim
Small Claims easy, Others not so much
We signed up in July ‘21 and paid for the premium level insurance and for the most part, it was a great service, quick and easy but those were just puppy shots. Once we actually had a real claim of any substance it took a long time to get a response. Not to mention, the claim process was much more difficult. For example, some items on your invoice just aren’t an option in the app drop down list and you’re left unsure as to what to do. We ended up just sending the whole invoice in instead of listing itemized services but that created a lengthy delay in reimbursement. Then we discover that only 3 vaccinations are covered in a given year…for a young puppy, who needs shots about every month for 3 months.. So we pay premium prices for what exactly?
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 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