Lemonade | Pet Insurance Review

4.8

out of 5

Number of reviews 827

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: Dennis

Izzy has a new friend in Lemonade

Izzy is our. 5 year old ShiPoo. We recently switched to Lemonade for her pet insurance. I researched 10 pet insurance carriers and chose Lemonade based on the coverage, claim service and price. We recently took Izzy for her annual checkup, filed a claim the same day and received payment within 24 hrs that was deposited into my checking account. The app and chat options are easy to use and the customer service is quick in responding to you. Thx for the great service.
5

out of 5

POSTED: | BY: Glenn J

Insurance

Very easy submission process for claims. Staff very attentive and professional. Refund check immediately sent to our account.
5

out of 5

POSTED: | BY: Sara

User friendly and quick responses

Lemonade has been a super satisfactory company. User friendly and quick responses. Easyily accessible customer service.
5

out of 5

POSTED: | BY: Jacques

Second chance

Given the unfortunate circumstances of my 4 year old pup developing a rare form of liver cancer, I would not have been able to give my gal a second chance at life without Lemonade. They helped me, help her and on a personal yet professional level. She (Maeva) is not out of the weeds yet, but at least I’m able to spend more time with her.
5

out of 5

POSTED: | BY: Frank

Easy, responsive, and caring

Making a claim with Lemonade via the app is super easy. And when you need a real person, they are there for you. They always answered my emails within a day. My claim was paid fairly and in a decent amount of time (everything is a little slowed during COVID and they kept up communication while my claim was working its way through the system). I like that they support good causes and they seemed to really care about my dog, so they must be dog people.
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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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