Lemonade | Pet Insurance Review

4.8

out of 5

Number of reviews 833

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.
1

out of 5

VETERINARIAN: Northtowne Animal Clinic

POSTED: | BY: Lacie

Horrible

I've been paying for the insurance for 9 months and only just now filed a claim. I filed after an emergency visit on May 2 2026. Today May 14 it's still pending. My vet sent records a week ago. But that wasn't good enough. Without the vet knowing Lemonade emailed them back asking the policy number be added. Only after I got frustrated and called around did my vet discover this. Now Lemonade has everything but still haven't finished reviewing my claim. They lie when they say most claims handled same day and within 48 hours. I have cancelled my policy because I don't want to pay $56 a month for nothing but headaches and stall tactics.
1

out of 5

POSTED: | BY: William

Lemonade Pet Insurance will leave a sour taste in your mouth

All they do is deny, deny, deny claims and collect, collect, collect your money. DON'T BOTHER WITH THEM
1 comments

POSTED: | BY: Arlena Morton

Thanks for the info!

1

out of 5

VETERINARIAN: Midtown Veterinary Hospital

POSTED: | BY: Wade

Waste of Money

They are in it for the money and don't care about your pet. Don't waste your money.
1 comments

POSTED: | BY: Arlena Morton

Thanks for the info!

1

out of 5

POSTED: | BY: Jeffrey

What's the point of this "insurance" company?

We have had Lemonade for over two years, paying monthly fees every month. My dog just had a TPLO done it costed around $5K. We received a letter of denial for the claim, why? Who knows they won't return emails. When we tried to call and speak to a manager we were left on hold or the call was "dropped" this has happened multiple times. I've resorted to messaging the CEO on LinkedIn hoping he's less worthless than the company he founded. Probably won't hear back but my hope by writing this is to deter anyone else from wasting their time and money on this "insurance" company.
1 comments

POSTED: | BY: Wade Maggert

I'm in agreement with this review. They are in it to make money, not to take care of your pet.

1

out of 5

VETERINARIAN: ABC Pet Care Clinic

POSTED: | BY: Larry

DONT WASTE YOUR MONEY

They will weasel out of every claim, leaving you to pay the full bill. Save those payments to pay your vet because they won’t cover any of it!
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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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