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: Crystal

Easy and affordable!

I have had pet insurance through lemonade for almost a year. It has been a great experience of thus far. I have had multiple claims and each of them have been super easy. Customer service is wonderful it's also easy to get in contact with someone if you have questions and once your claim is approved your money automatically gets wired to your account within a few days. I highly recommend this pet insurance as it is one of the most affordable in the markets (I researched A LOT!) with excellent coverage!
5

out of 5

POSTED: | BY: Hannah

The customer support was great

The customer support throughout the process was very helpful. Danya kept me informed throughout the entire process and was always available for questions.
5

out of 5

POSTED: | BY: Dylan

Above and beyond

Our poor puppy has been through the wringer since we adopted her. Luckily, we had Lemonade Insurance. We have had to file a lot of claims and she is finally doing well! Everything I submitted to Lemonade was clearly explained as to why things we and were not covered. It felt very fair and I would recommend them to any new pet owner. I had a few extra questions about our policy and I got a friendly phone call to clarify our plan. Nothing but great things to say about Lemonade. Thanks y'all!
5

out of 5

POSTED: | BY: Rebecca

Easy, paid out what they said they would. Over 2k so far.

They paid for my cats thyroid treatment. It never took more than a week to process a claim.
5

out of 5

POSTED: | BY: Virginia

Quick and easy!

It was quick and easy to download and then download the app. When I had my first claim it was a breeze!
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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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