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: Evan

Check out Lemonade!

Lemonade has been great so far! Not a fan of having to make videos for the claims but the process is relatively easy and the service is great. I really enjoy talking to their reps. I would look at what they consider a “pre-existing” condition though as we got a claim denied due to a visit that occurred during the waiting period.
5

out of 5

POSTED: | BY: Kim

I love Lemonade pet insurance!

Lemonade pet insurance has been wonderful. My claim was paid very quickly and went right into my checking account which was very convenient.
5

out of 5

POSTED: | BY: Annette

decent coverage

I am happy with Lemonade for pet insurance. The claims and response time are prompt. I wish more wellnesswas covered especially for the first year since pups see the vet more frequently. Still a good deal.
5

out of 5

POSTED: | BY: Al

Purrrfect Service

I took my baby to the vet for his yearly check-up and has his nail done while we were at it. He also needed blood work, and all in all his bill was at least half the usual amount thanks to Lemonade. Our claims agent was very friendly and my only regret is that we didn't sign up sooner.
5

out of 5

POSTED: | BY: Paul

Fair

It would be nice if spaying and neutering will be added on the policy.
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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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