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: Charna Burgio

My experience with Lemonade

At first they seemed ok. I have a puppy now 11 months old. I received money back on vaccines. He got kennel cough, I sent them the bill but they needed to contact my vet for more information. I think they may have covered something. The real issue I had was when I neutered my puppy. They covered the neuter as it says in my contract.. which they kept referring back to. They don’t tell you that they don’t cover the anesthesia, the laser, or even the medication you get sent home with. I was very surprised. The neuter itself was $343, they reimbursed me $120. He did need some teeth removed but I already knew that wouldn’t be covered. However, there is a list of about $247 of things I thought would be covered including anesthesia & the laser required for surgery, as well as medication for after care.

out of 5

POSTED: | BY: Linda Chen

Ease of submitting claim with Lemonade

Before Chewy came out with a stripped-down version for accident insurance, my research was that Lemonade had the least monthly cost but I did pay for the whole year at once which gave me a discount and I had two cats so they gave me a 10% discount. I will say the submission process was pretty simple although I will say it was interesting that they wanted you to video your explanation of how your cat got into their predicament. Apparently they had facial data on whether you are lying or not. Go figure.

out of 5


When life gives you lemons…

Lemonade Insurance has been a great experience! I wanted to ensure our puppy was covered in case her shenanigans got too wild. The sign up and claim process was automated and simple to use. Payout was almost immediate. I loved the experience so much I got insurance on our other animals and I switched my auto and renters insurance over to Lemonade.

out of 5

POSTED: | BY: Nancy Boler

Good service

The claim was easy to file and it was approved very quickly and I received the check in less than a week. I was very pleased with the service

out of 5

POSTED: | BY: Tracy Jones

Lemonade is an amazing pet partner

My dog was just diagnosed with diabetes at 7 1/2 years old. I filed my first ever claim to Lemonade for it and was treated kindly and fairly. They obtained the extra information they needed directly from the vet, approved my claim, and paid my 80% after deductible to my bank account quickly. They have continued to handle my claims quickly as we stabilize my girl’s insulin. I am so happy that I have Lemonade insurance for my dogs, they have helped ease the stress of this difficult time.

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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