Lemonade | Pet Insurance Review

4.9

out of 5

Number of reviews 771

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.7
  • 4.9
  • Count
  • 25
  • 113
  • 771

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: Erin Chase

Easy Peasy!

We got a new puppy and I was SUPER reluctant to try and figure out pet insurance based on so much negative feedback I’ve gotten from other pet owners. I found lemonade and couldn’t be happier! I registered my puppy, picked my plan and have already submitted claims for vaccines, check up etc, and they deposit my money back directly into my account! The app is really user friendly and just requires that you get an itemized and printed receipt from your vet that you choose, they review and give you your % back.
5

out of 5

POSTED: | BY: Thomas Camuso

Lemonade is easy to use.

The price is the best I could find and the staff have been great with my claims. I recommend Lemonade.
5

out of 5

POSTED: | BY: Deborah Tucker

Awesome

Would definitely recommend
5

out of 5

POSTED: | BY: Donn David

Easy, quick and efficient!

We claimed our hospital fees after my puppy experience something terrible. I won't go to details, but the cost of the fees was almost $1,000. We filed a claim, explained what happened, and got part of our fees was covered by Lemonade. The process was extremely simple and without a hassle. We didn't even need to write anything because we just recorded a video which explained everything. In a couple of days the money we paid for was deposited in our bank account. This is our first puppy and we've never filed a medical/insurance claim before but Lemonade made it really easy. I always recommend their insurance to our friends and anyone who is looking for pet insurance.
5

out of 5

POSTED: | BY: Kenny Cheng

Absolutely the most pleasant insurance!

I do not know where to begin. The whole journey was absolutely pleasant, easy and effortless. The team is absolutely wonderful, knowledgeable and caring. I was updated along the way and the level of professionalism is beyond comparison. Halfway through my claim, a different agent had to take over but the transition was seamless. I am so happy with my choice to have Lemonade as my insurer for my fur baby and they are worth every penny. Trust me, I did my thorough research and decided for Lemonade at the end. You won't be disapointed!
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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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