Lemonade | Pet Insurance Review


out of 5

Number of reviews 704

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.7
  • 4.7
  • 4.9
  • Count
  • 18
  • 91
  • 704
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 5

POSTED: | BY: Tina Mukofsky

Quick/easy claim turnaround

Lemonade made the claims process seamless, from describing what happened to uploading documents, and to settlement. I am appreciative of the agent who worked my case.

out of 5

POSTED: | BY: Hannah Bevil

Super Helpful

My claim process was incredibly simple and quick! It was my first time, so I was honestly expecting it to take a while and not expecting to get the claim approved for a few days. The process was incredibly user friendly, took all of 5 minutes, and the claim was immediately approved with money in my account the next day.

out of 5

POSTED: | BY: Othelia Schultz

wont even give me a quote

I dot have a claim ... Just a comment .My dog is 12 years old . they just gave me a message on screen that they could not give me a quote. Sad thought that they wont even bother with the old dogs . I never even got to enter the young dog or the other 2 -total of 4 dogs I was getting insurance for.

out of 5

POSTED: | BY: Courtney Newsome

Fabulous company

My vet suggested lemonade and I have come to love the app. I will soon be moving my home and auto insurance over as well :-)

out of 5

VETERINARIAN: Greenlake Animal Hospital

POSTED: | BY: Mike McG

Super easy and helpful

Our dog had a torn dew claw, and Greenlake Animal Hospital did a great job fixing the issue. I was dragging my feet getting reimbursed because I was worried about the time and effort, but Lemonade was amazing. The process was quick, and simple. We were approved and reimbursed faster than I could have imagined. I hope I never need to use it again, but I know the process will be simple if I do.

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

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