Lemonade | Pet Insurance Review


out of 5

Number of reviews 746

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.6
  • 4.8
  • 4.9
  • Count
  • 13
  • 89
  • 746

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.

out of 5

POSTED: | BY: Karen Anderson

Super Easy to Work With

Lemonade has been outstanding. I bought insurance when I got my pup at 8 weeks. She's since been for her regular well-pet check and shots which Lemonade paid out on within 2 days. A few weeks ago she got sick and again, Lemonade approved my claim and I had my reimbursement within a couple of days. For the money, this insurance is excellent!

out of 5

POSTED: | BY: Peter Gottlieb


Claim was for wellness care. All good. Filed and paid in the same day.

out of 5

POSTED: | BY: Michael Varona

Very easy automated step-by-step process. Great guided experience.

I loved that I could do everything in the app. I was taken through the process step-by-step. It was easy to submit documents. And my claim was paid out the next day directly to my bank account. Very little additional effort on my part. Helped that my vet was very familiar with what I would need for a pet insurance claim, and made sure I had everything emailed to me ahead of time.

out of 5

POSTED: | BY: Maria DiIorio

Lemonade Pet Policy Review

I bought this pet insurance for my mini dachshund puppy Rio about 2 months ago. Lemonade seemed to be a low cost provider of high quality pet insurance. I have submitted two claims so far and these claims were processed fast and hassle-free. I would definitely recommend Lemonade!

out of 5

POSTED: | BY: Brett Lalli

So easy and intuitive

I feel like most insurance companies try to make it as difficult as possible to understand your plan and file a claim. Lemonade is the COMPLETE opposite. It was so easy to sign up for both renter's and pet insurance, and filing a claim takes 10 minutes. The app is super easy, minimal, and intuitive to use. I took my pooch in for her yearly check-up and vaccines and was reimbursed the SAME DAY. The premium is pretty competitive too, but honestly, even if there are cheaper plans out there, I would pay more for the convenience and ease of use. I've already gotten 3 people to sign up.

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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