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: Tim

Small Claims easy, Others not so much

We signed up in July ‘21 and paid for the premium level insurance and for the most part, it was a great service, quick and easy but those were just puppy shots. Once we actually had a real claim of any substance it took a long time to get a response. Not to mention, the claim process was much more difficult. For example, some items on your invoice just aren’t an option in the app drop down list and you’re left unsure as to what to do. We ended up just sending the whole invoice in instead of listing itemized services but that created a lengthy delay in reimbursement. Then we discover that only 3 vaccinations are covered in a given year…for a young puppy, who needs shots about every month for 3 months.. So we pay premium prices for what exactly?
5

out of 5

POSTED: | BY: Brittney

Super responsive and FAST claim service

Quick service and claim experience. Highly recommend!
5

out of 5

POSTED: | BY: Jason

Good price, ease to claim

The price is very cheap and easy to claim.
5

out of 5

POSTED: | BY: Rachel

Best pet insurance ever

This company is amazing. Our cat went for a well check and vaccine. I came home, completed the claim, submitted it, it was approved & the money was in my account the next day!! Super easy and helpful techs.
5

out of 5

POSTED: | BY: Julie

Compassionate

Lemonade has made a huge difference to our family. Our pet had 6.5 years of health until a rare disease suddenly took his sight, and cancer soon after. Every employee I’ve spoke with has exceeded our expectations for kindness, thoroughness, being empathetic, and compassionate. They have listened to me in my triumphs and sorrow. Claim process is easy and quick. Communication by phone and email carried out efficiently. No regrets!
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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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