Lemonade | Pet Insurance Review


out of 5

Number of reviews 668

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.3
  • 4.7
  • 4.9
  • Count
  • 11
  • 63
  • 668
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

POSTED: | BY: Monica Rodriguez

Great customer service!

I am a first time pet owner, worried about how I would pay for my pet’s expenses. I am also a new homeowner so I needed to find an insurance company that I aligned with. What I love about Lemonade is that they are super helpful and responsive to my questions, they also donate a portion of our payments to a charity of our choice. Their customer service representatives are extremely helpful and super nice. I also love that every time I have a question, they email me. I get anxiety from phone calls a lot so the fact that they can get all of my questions answered just by email has been super beneficial to me and less stress free on my part.

out of 5

POSTED: | BY: Suzanne McCann

Great Insurance

Super easy to sign up and file a claim

out of 5

POSTED: | BY: Vivien Perez

Amazing pet insurance!!!

Lemonade truly cares about their client’s pets! They make all the claims easy to do & are very reasonably priced for pet lovers! All their customer service reps are the sweetest & handle claims extremely fast! 10/10 recommend

out of 5

POSTED: | BY: Dan Seaman

Lemonade is what insurance companies should be

My dog got horribly sick out of the blue, and needed to spend a full day at the vet getting tests, receiving fluids, and then came home with a number of prescriptions and a massive bill. I put in a claim to Lemonade as got an email from a human being within 24 hours who I could send questions to if I had any, and was reimbursed in less than 3 days. This is what an insurance company should be - you pay them your premium, and when it comes to it, they help you. They don't make it hard, they don't make you wait, they don't try to get out of it, they just help you protect your pet. I recommend Lemonade to anyone and everyone.

out of 5

POSTED: | BY: Cadiann Lucas

Great so far!

I'm very happy with my Lemonade pet insurance so far! The prices are very reasonable and much lower than other competitors. I had a different pet insurance prior to this one and the price increases each year were outrageous, so I switched to Lemonade instead. My dog just went in for her annual wellness visit and submitted my claim, and Lemonade reimbursed me in just a couple days! My only complaint is that the claim process was a bit difficult for me, as they want you to choose which covered services were performed from a drop down menu, and some things on my invoice were listed under a different name so they didn't quite match. I had to google some of them to find out what they were exactly so I could select the right thing from the drop down menu. Otherwise the process is very quick and easy and I was reimbursed very fast! I've only had it for a few months now, so we'll see if my opinion changes next year when it renews. I have high hopes though. :)

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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