Lemonade | Pet Insurance Review

4.9

out of 5

Number of reviews 755

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.8
  • 4.7
  • 4.9
  • Count
  • 10
  • 98
  • 755

Updated: November 13, 2023

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: Aimee Plunkett

Excellent and friendly service !

Excellent! So thankful to have this insurance. Had to make a claim for gastritis in November. Her yearly exam was December. Then she got a double ear infection and bladder infection in January. My dog is so healthy just a weird couple months. Making claims was so easy.
5

out of 5

POSTED: | BY: James Hinderliter

Grace customer service

Got our Reimbursements quickly. Very efficient and great customer service.
5

out of 5

POSTED: | BY: Bret Kane

Insurance claim

Very pleased with the ease of purchasing the pet insurance and took the portion that covers the regular vaccinations. Put in a claim on puppy vaccinations and within 12 hours it was paid. Excellent follow up and seems to be all I expected.
5

out of 5

POSTED: | BY: Paola Lafler

The best pet insurance imaginable

My dog had a butched neutering that resulted a major infection that spread to his thigh and over 10 trips to the vet, many of which were to a specialist. Lemonade made it incredibly easy to submit my claims and get reimbursed. I cannot recommend them enough!
5

out of 5

POSTED: | BY: Deborah Riley

Coustomer sevice is AMAZING !!!!!!!!!!!!!!

First time purchasing pet insurance...so I researched heavily to find the right coverage at the right price. I feel like my choice was definitely the right one. My annual wellness vet bill was $270 and I got back $160....I was happy....reimbursement was so fast and followed up by a personal call to go over my claim. I was a little nervous being a company I never really heard of but Love Love LOVE them and hope they are around forever !! I love my furbaby and just never want a money issue to hinder the care she may need one day! Thank you Lemonade for peace of mind!!

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

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