5
out of 5
POSTED: | BY: Kim
So far it’s great!!
Have only used it for yearly vaccinations, but overall that’s a good thing. It was easy and they provided coverage for what they said!!
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.
2
out of 5
POSTED: | BY: Tracy
Used to be good—what happened?
When David was my claims processor things went well-informative, responsive, and quick. Now Jess is handling my claim and I haven’t had an answer since 9/27–it’s 10/13 today- and no one is responding to my request for information yet. My dog is scheduled for surgery and I wonder if this is how it goes for a C/T scan, what will happen with my future claim!? Frustrated. Just keeping me informed would do a lot.
5
out of 5
POSTED: | BY: Kadianne
Quick and easy pet Insurance, done right.
Simple and easy to understand policy information. Quick claims processing. Great coverage options.
3
out of 5
POSTED: | BY: Marie
would like to retract the review I wrote in the last hour
In my review I complained about inability to reach a human. In going through my inbox, I found a message from a human which I had not seen. It was asking me 3 specific questions.
I'd like to retract the review I just wrote; I would like you to not approve this one. I will write another when my outstanding claim is either approved or denied.
3
out of 5
POSTED: | BY: Marie
Claims take weeks, no customer service
Very disappointed. Lemonade has paid out two small claims, and a third is in process--and has been in process, for weeks now. The insurance is reasonably priced, but the claim experience is an ordeal. Essentially the consumer has to do the work the veterinary office would normally do in submitting the claims.
Two of my three claims have gone into "Lemonade Limbo." Any attempts to contact customer service result in a response from a chatbot. Chatbot messages forwarded to "the team" will get a generic email signed by a human, but it is only a boilerplate message. "You will hear from us soon." They need to use another word, because over three weeks is not soon. There is no way to talk to a person, so the claim process is unsettling.
Ease of claims and rapidity of payment are what Lemonade sells, but that has not been my experience.
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