5
out of 5
POSTED: | BY: Rob Duffy
Great Pet Insurance
Great coverage, constant communication for customer service team, quick response when filing a claim. Easy to navigate website.
4.9
out of 5
Number of reviews 774
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.
5
out of 5
POSTED: | BY: MIchelle McKibbin
So Happy I Decided to go with Lemonade
I am very happy I decided to go with Lemonade when I was looking for pet insurance. I have 3 other older dogs and never knew about pet insurance until I reached out to Lemonade for one of my work files. They we so great and helpful, I went to the site and saw they have pet insurance, I had been looking for a while for my new puppy. I used the online application, received an excellent quote right away. Once I decided they we doing to be my insurance. I downloaded the app, which makes it easy to review the policy I chose and there is always someone to communicate with if you have questions. I recently had to use the insurance for my puppy, who had an ear infection. I opened the app and started a claim, it walks you through step by step. All I had to do was take a picture on my phone and upload it. The only issue I had was not with Lemonade, but with my previous vet, who delayed getting my pups medical records to the agent in a timely manner. The agent went above and beyond and made sure he received the information he need, so I would not have to deal with it. Once he received the information from the vet it was under an hour before I had approval, and a complete explanation of the covered items and not covered items. The money was in my account the next day.
5
out of 5
POSTED: | BY: Lisa James
So easy to work with and fast payment!
All the representatives are very professional and helpful. I can’t believe how fast the reimbursement was from the time I filed the claims. Love the claim filing process too, just do it from my phone!
5
out of 5
POSTED: | BY: Loretta Beauvais
Claim reimbursement
Quick reimbursement- very easy process! Love this company!!
5
out of 5
POSTED: | BY: Hannah Williams
WOW WOW WOW (BARK BARK BARK)
Before I joined Lemonade, I was using Embrace and paying out the butt for standard insurance coverage for things that likely wouldn't happen to my pet (hoped they wouldn't)! The process of signing up with them was highly complicated and I barely understood what I was paying for, honestly. By chance, I took a look at what Lemonade had to offer and holy moly am I glad I did! Not only was Lemonade able to save us significant money per month, but we also saved extra by paying upfront for the whole year! The process was SO EASY and I understood exactly what I was getting, which I didn't think would be possible given my experience with Embrace. NOT ONLY THAT, I signed up for the extra coverage (which was still cheaper than if I had stayed with Embrace), and I get money back on almost every procedure that Quinn gets at her annual exams (fecal test, heartworm test, lyme and leptospirosis vaccine, to name a few). Filing a claim was so easy, I was literally reimbursed the day after Quinn's vet visit and the same day I filed my claim. I'm so glad I joined Lemonade, I'll never leave as long as things remain this good and I will sing Lemonade's praises to anyone who will listen!!!
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