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.

Average customer rating

9.8 Out of 10
60 Days 1 Year Lifetime
Rating 10.0 9.8 9.8
Count 1 168 168
10
Out of 10
Recommended

So far very easy to deal with Insurance company

Posted: 08/31/2021
By:
Anastasia
Sokolova

Purchased a policy from Lemonade for our new golden retriever puppy. I chose 100 000$ with 250$ deductible and wellness plan. Total monthly cost 55$. The puppy had his physical and shots last night. I filed a claim to be reimbursed for parasite test and 3 vaccines. The claim was approved in 5 secs. So far I am very impressed and pleased. Claim was very easy to file thru the app.

Injury/illness
Claim Amount
Breed

Golden Retriever

Age of Pet
Under a year
10
Out of 10
Recommended

Affordable and great customer service. They make sure they follow up to see how your pet is doing?

Posted: 05/27/2021
By:
Roaemarie
Kaufmann

They are great insurance for my pet’s need. And its affordable

Injury/illness
Claim Amount
Breed

Maltese

Age of Pet
Under a year
10
Out of 10
Recommended

The beat customer service

Posted: 05/26/2021
By:
Erica
Lombardi

Super easy and great customer service

Injury/illness
Claim Amount
Breed

Dachshund - long haired

Age of Pet
1 - 8
10
Out of 10
Recommended

Rate the Ease of Claim at 11 if I could!

Posted: 05/20/2021
By:
Michelle
Chavez

When signing up for insurance entirely from the app, it was a quick and easy process compared to the clunky process from other pet insurance companies.

My previous insurance was discounted through my work, but I was paying almost triple what I pay now with Lemonade, plus, with Lemonade, any money I don't claim gets donated if possible! And yes, I have the EXACT same coverage as my old insurance, and could customize it exactly how I want. Money I can feel good about spending.

And the claim process! I alsmost couldn't believe I did a claim! It was easy, quick, and done within seconds, money on it's way already to the bank! With my old insurance I had days and forms to fill out; with Lemonade, they cut straight to the point.

Injury/illness
Claim Amount
Breed

Mixed Breed Toy (up to 10 Lbs)

Age of Pet
1 - 8
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 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