Lemonade | Pet Insurance Review


out of 10

610 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 9.8
  • 9.8
  • 9.8
  • Count
  • 4
  • 443
  • 610
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.

out of 10

POSTED: | BY: Dan Seaman

Lemonade is what insurance companies should be

My dog got horribly sick out of the blue, and needed to spend a full day at the vet getting tests, receiving fluids, and then came home with a number of prescriptions and a massive bill. I put in a claim to Lemonade as got an email from a human being within 24 hours who I could send questions to if I had any, and was reimbursed in less than 3 days. This is what an insurance company should be - you pay them your premium, and when it comes to it, they help you. They don't make it hard, they don't make you wait, they don't try to get out of it, they just help you protect your pet. I recommend Lemonade to anyone and everyone.

out of 10

POSTED: | BY: Cadiann Lucas

Great so far!

I'm very happy with my Lemonade pet insurance so far! The prices are very reasonable and much lower than other competitors. I had a different pet insurance prior to this one and the price increases each year were outrageous, so I switched to Lemonade instead. My dog just went in for her annual wellness visit and submitted my claim, and Lemonade reimbursed me in just a couple days! My only complaint is that the claim process was a bit difficult for me, as they want you to choose which covered services were performed from a drop down menu, and some things on my invoice were listed under a different name so they didn't quite match. I had to google some of them to find out what they were exactly so I could select the right thing from the drop down menu. Otherwise the process is very quick and easy and I was reimbursed very fast! I've only had it for a few months now, so we'll see if my opinion changes next year when it renews. I have high hopes though. :)

out of 10

POSTED: | BY: Dennis Brantly

Very pleased with Lemonade

Very pleased with the Lemonade service; easy to claim for recent preventative care for Spencer recently, good communications and quick to pay.

out of 10

POSTED: | BY: Jenn Perez

Really Enjoy Lemonade

Really enjoy this company. Have used them for years for renters insurance. The only down side is they don't cover major dental... But neither does my companies dental carrier so... Submitting claims was super easy, paid out was incredibly fast. All in all would recommend!

out of 10

POSTED: | BY: Leslie Mitchell

Number 1 Pet Insurance

My Number 1 Pet Insurer. I am a new customer of Lemonade and have already had wonderful experience. Submitting a claim was as easy using the phone App. Although I mistakenly submitted a claim with the wrong amount, I reached out and a representative was able to make the correction with ease and quickly.

Monthly Cost

Policies start at $10/Month


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.


$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 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

Get a quote today

Leave a review