Lemonade | Pet Insurance Review


out of 5

Number of reviews 728

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.8
  • 4.9
  • Count
  • 20
  • 90
  • 728

Updated: November 13, 2023

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

VETERINARIAN: Good Vets- Montford

POSTED: | BY: Gabrielle Hazan

Insurance Made Easy

I was pretty skeptical about getting my dog insured for accidents and illness, fearing that most things would not be covered and the process for submitting claims would be a hassle. I just submitted my first few claims and am amazed at how quickly i submitted my claims and how quickly I received reimbursements. I highly recommend!

out of 5

POSTED: | BY: Eric Dobrzynski

Insurance claim

Was very easy. Called Lemonade with a few questions. They answered them and processed my claim quickly and easily. Great job. Thank you

out of 5

POSTED: | BY: Brian Humphrey

Great Support!

My Lab recently had surgery for neutering and at the same time, the Dr removed a cyst on his paw that would not go away with standard medication and care. The cyst removal was considered a surgical procedure as well and while the neutering wasn't covered under my policy (standard in the industry), I submitted a claim for the cyst portion of the bill and Lemonade covered the entire amount less my deductible. Lemonade was great to work with and there was no going back and forth. In fact, they didn't ask for any additional information from what I originally provided. Great support and thank you Lemondade!

out of 5

POSTED: | BY: Annette Dumont


Though my vet bill included more items then I could list on my claim, they were great about following up with the vet and making sure all options were covered. Super, super easy!

out of 5

VETERINARIAN: Prince Frederick Animal Hospital

POSTED: | BY: Janice Draper

I love Lemonade!

I love Lemonade Pet Insurance! It is so easy to use and they are very caring and friendly. I take comfort in knowing I have this protection if my pet has significant pet issues. My dog Max gets into a lot of mischief, and hopefully he won't get hurt or sick, however knowing I have this insurance gives me peace of mind. Every time I have filed a claim it has been easy and paid out very 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

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