Lemonade | Pet Insurance Review

4.9

out of 5

Number of reviews 728

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.8
  • 4.9
  • Count
  • 20
  • 90
  • 728

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: Azadeh Brown

Couldn't be happier with Lemonade's policy and customer service.

I compared 8 different, top-rated pet insurance companies in my area. On paper, Lemonade was the best for my immediate needs, so I decided to go purchase the policy with them. I appreciate their transparency—they clearly list what they do and don't cover, and allow you the option to add-on additional services so you can pay for the services you actually want to use. The claims process is pretty easy. You can do it right from your phone. (One criticism I have is that I would also like the option to submit claims from my desktop). I pay the vet in advance, and submit claims and get reimbursed automatically into my bank account within a few days after the claim is approved. My pet has one issue that presented before her insurance waiting period was over, so Lemonade doesn't cover the treatments. Whenever they need to deny my claim, someone actually calls me to explain to me why the procedure/treatment isn't covered so I fully understand. I really can't ask for better customer service than that!
5

out of 5

POSTED: | BY: Ginger Alexander

Pet insurance

I have used Lemonade for both my Labradoodles. It is easy to file a claim and i get my reimbursement quick. The monthly premium is very affordable also.
5

out of 5

POSTED: | BY: Anderson DeSouza

no matter how later or how earlier there is always a way to reach out someone. And a zip zap reimbursement

Nice and helpful people to support us. The reimbursement has been coming in 2xor 3 days after put in a claim. I could expect any better.
5

out of 5

POSTED: | BY: Dwayne Stewart

Outstanding Customer Service

Only had this insurance for about 2 months. I was pleasantly surprised. When I filed my first claim a few weeks after the start date I was paid within minutes. I’ve dealt with insurance companies all my life. To be reimbursed within minutes of my claim being filed is amazing! Thanks Lemonade!
5

out of 5

POSTED: | BY: Shannon Burt

Easy process with caring customer service

Lemonade has been amazing! We knew we were going to get pet insurance even before we picked our puppy up. We did a lot of research and decided that Lemonade had a great price for the coverage we needed. We added the extra wellness package and it was definitely worth it. There are a ton of up front vet costs with a new puppy and having this insurance was extremely helpful. Submitting claims is super easy on the app and payments are sent quickly as well. The customer service representatives who get assigned to my claims are always so nice and helpful and it is wonderful to know that I'm speaking with someone who really seems to care about the wellbeing of my pup. I definitely recommend Lemonade!

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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