Lemonade | Pet Insurance Review

4.9

out of 5

Number of reviews 774

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.7
  • 4.7
  • 4.9
  • Count
  • 26
  • 115
  • 774

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: Nicole ElMurr

Excellent Pet Insurance

Lemonade has been a true hero in our lives. My puppy has had his fair share of accidents in such a short time and Lemonade has been there every step of the way. They are responsive, empathetic, and just good folks. I’m so thankful I chose them to support Rye and I during his puppy transition!
5

out of 5

POSTED: | BY: Alice Mak

Decent insurance

They were always there and prompt to response
5

out of 5

POSTED: | BY: Charles Schwartz

Easy and Transparent Claims Process

Had some minor medical expenses within months following our purchase of Ridley, boxer puppy. The claims process was simple, transparent and smooth. Post claims, verify claims, and approved! Couldn't be happier with the policy and claims process.
5

out of 5

POSTED: | BY: Casey Shinn

Super easy and fast claim processing

Lemonade is great. I like how straightforward everything is and the pricing is very good. We submitted our first claims for Biscuit's sick visit for a cold (runny nose and sneezing, prescribed antibiotics) and it was approved in seconds.
5

out of 5

POSTED: | BY: luisa winog

easiest claim i ever filed

so quick and easy. got my refund same day as appointment.
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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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