Lemonade | Pet Insurance Review


out of 5

Number of reviews 790

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.7
  • 4.7
  • 4.9
  • Count
  • 30
  • 120
  • 790

Updated: May 29, 2024

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: Abby Wasielewski

Extremely Helpful with Our Upsetting Pet Accident

My fur baby Skylar, like a typical husky, got out one night and suffered a terrible accident which caused her to lose her back right leg. However, even though everything was very expensive and sad, Lemonade Pet Insurance helped with almost all her vet expenses. Please if you have a pet, please consider getting pet insurance to cover them!

out of 5

POSTED: | BY: Diana Bowie

Excellent Insurance and Service!

Dealing with a sick fur baby is never easy! But having Lemonade pet insurance made everything easier. I received great customer service as well as a fast response to all questions, and I received reimbursement funds fast! I recommend Lemonade to all my family and friends

out of 5

POSTED: | BY: Hannah Pomeroy

Easy, breezy :)

I have had to file several claims lately because my dog got quite sick. They made the process easy and fast! Such a wonderful team to work with.

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.

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.

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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