Lemonade | Pet Insurance Review

4.9

out of 5

Number of reviews 767

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.4
  • 4.7
  • 4.9
  • Count
  • 21
  • 109
  • 767

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.
3

out of 5

POSTED: | BY: Susan Manley

It’s too early to review

I already met all the well visits and vaccines in the first two months we had him. I recently submitted an illness claim so waiting to see what they pay. I also wished they covered neutering.
5

out of 5

POSTED: | BY: Brittany Finkle

Lemonade make pet insurance easy

Lemonade Pet Insurance is by far the best pet insurance in terms of value AND ease of use. I actually have them as my home ownership policy as well and adding the pet insurance was a breeze. When I need to submit claims (and with a new puppy...that's pretty darn often) - the process is so easy on my phone and I know exactly what will and won't be covered most of the time. Things were a bit backed up during COVID at times, but the past few claims have come through SUPER quickly recently. I'm overly impressed with their customer service and absolutely would recommend them to anyone.
5

out of 5

POSTED: | BY: M W

They don’t cover a lot

I am disappointed they don’t cover more items for how expensive the policies are and I have two puppies- $70+ per month with so little covered- starting to think it’s a rip off
5

out of 5

POSTED: | BY: Lucille Noe

So far do good 😊🐾

Easy claim submission and regunds
5

out of 5

POSTED: | BY: Jennifer Di Marco

Caring

Great service. Caring people.
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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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