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: Monica

High Quality Insurance Made Easy

Insurance claims processing is often slow, a ton of work and overall an added stress, at least that has been my experience with insurance before Lemonade. Lemonade has always processed my pet health insurance claims quickly (usually in a week or so), sent me updates and explanations every step of the way so I knew what was going on, and have always answered any questions or concerns I had quickly and thoroughly. Never have I felt like they were making me jump through extra hoops for nonsense reasons in the hopes they won’t have to pay and instead let me focus on what was important, making sure my sick cat was well taken care of. Lemonade has been a great stress reliever, something I doubt I will ever say of another insurance company. Plus, it has allowed me to get my cat the best care possible, which I would have undoubtedly struggled to afford otherwise. I have recommend it to all my friends who have pets.
5

out of 5

POSTED: | BY: ralph

best pet insurance around

super fast claims it really was painless... not like Embrace they are a huge pain in the behind.
4

out of 5

POSTED: | BY: Diane

Easy to file a claim

Easy to file a claim. A little disappointed because it appears as if the price is going to go up every year.
5

out of 5

POSTED: | BY: Biswajit

Amazing claims handling in as less as 0 seconds!!!

Claims processing speed is phenomenal and the money gets wired to your account in less than 2 days
5

out of 5

POSTED: | BY: Fangying

Definitely recommend Lemonade Insurance!

Gemini got two surgeries and both of them cost a lot. Lemonade Insurance processed the claims very fast (the recent one was above 10k and they processed the claim within a week). I really appreciate their fast response and short process time.
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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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