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: Sean

Very straightforward and easy claim process

I looked over many pet insurance companies. I felt Lemonade was the best because I already use them for my renters insurance so I would receive a discount from that. I also love their app integration for their services. It makes it so easy to submit a claim. I already submitted for my dogs annual exam and literally was reimbursed within less than 5 min of submitting.
3

out of 5

POSTED: | BY: Luka

Insurance Price - Reimbursement ratio is not too good

I thought I had the best insurance available for the non-emergency stuff, but it covers fraction of vax costs and vet visits even if they are preventative. Otherwise, their tech works flawlessly, I got claims approved in like 7 seconds.
5

out of 5

POSTED: | BY: ALLAN

Thumbs up

A
5

out of 5

POSTED: | BY: Logan

Great Service

Lemonade has been great handling my pet claim and explaining my policy and what i needed to do to get things covered. I have the wellness plan so exams are covered and was reimbursed very quickly. Everyone i talked to was so friendly and helpful.
5

out of 5

POSTED: | BY: Jolene

Lemonade saved the day

When Naira was bit by another dog resulting in a broken leg, Lemonade came to the rescue. It’s bad enough going through something so traumatic but then having to deal with filing claims and costs which add up very quickly can cause so much stress. Lemonade took the stress out of filing and paid claims very quickly! Leaving me to concentrate on getting my pup well. The customer service is also outstanding! They responded quickly so I always knew what was going on or if I needed documentation I didn’t initially provide. Lemonade will really save you in this time of need. After my experience I truly believe EVERY pet owner should be insured with Lemonade!
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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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