Lemonade | Pet Insurance Review

4.8

out of 5

Number of reviews 834

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: Jonah

I wish all insurance was as easy as Lemonade

My wife and I have been thinking about getting pet insurance for our cats for a long time. We looked into it a few times and were turned off by all of the small print. We found out about Lemonade randomly and were immediately struck with the ease of use, clarity, customer-facing interface and friendliness of the employees. Thank God we haven't needed to file a serious claim yet, but for small doctors visits and vaccines, submitting the claim was a breeze and in both cases, we were paid the same day. This is a huge stress off of our backs. We no longer have to think twice before taking our cats to the vet. Thank you lemonade!
5

out of 5

POSTED: | BY: Pasquina

Excellent

Lemonade has provided excellent claim handling with ease of reporting and promptness of being reimbursed.
5

out of 5

POSTED: | BY: Christine

Makes Paying for Vets Seamless

I will say that it was my error to exclude wellness from my puppy's policy. I wish I could upgrade my policy at whatever cost. The only other slightly annoying thing is the need to film a video describing your claim. Payment is very fast and the support team is incredible. I would overall recommend, and it has saved us a bunch of money with a new puppy.
5

out of 5

POSTED: | BY: Psyche

Amazingly fast and reliable claim reimbursement. I was pleased and surprised. I also love the donation to charity ❤

Amazingly fast and reliable claim reimbursement. I was pleased and surprised. I also love the donation to charity ❤ I have peace of mind in knowing that my Pups covered.
5

out of 5

POSTED: | BY: Chen

Awesome insurance

Lemonade saved me so much money ! I have two kittens, one hurt his tail several month ago and need to do a serious surgery, which cost ~1200usd, glad we bought the insurance for him and lemonade response so fast and give the money back after got all the documents, thanks so much lemonade! Definitely recommend lemonade to all the people have pets!
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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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