Lemonade | Pet Insurance Review

4.9

out of 5

Number of reviews 766

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.4
  • 4.7
  • 4.9
  • Count
  • 20
  • 108
  • 766

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: Vic Vaccariello

Everyone we’ve dealt with has been professional, efficient and quick with responses. And have already recommended to family and

We have made several claims within the first month of adopting our pup. Claim submittal is quick and easy and the reviews were fast. Payments have been immediate.
5

out of 5

POSTED: | BY: Syanne Olson

Lemonade is the way to go

I heard about Lemonade pet insurance through a co-worker who said that she had found them to be the most economical while providing great service. I quickly got a quote and after seeing what it covered for the price, I signed up. So far, so good. Customer service has been great. The two claims I filed were paid within 24 and 72 hours, respectively.
5

out of 5

POSTED: | BY: Mimi Gu

Best insurance company with excellent customer service

The lemonade app is very easy to use. I used it purchased the rental insurance, then got the pet insurance bundle. After one month that I had the insurance. Laika accidentally ate rodent poison. We took her to emergency and filed a claim afterwards. Lemonade processed it very quickly!
5

out of 5

POSTED: | BY: Callie Churchwell

A supportive experience

From thw beginning to post claim, the team was supportive with an excellent bedside manner. Im hoping as they expand that they dont change.
5

out of 5

POSTED: | BY: Kathleen McKean

Best pet insurance by far

This is the best pet insurance company by far! Customer care is amazing! The process of turning in a claim is so easy. I’ve never dealt with a company that is this well managed. I definitely do not regret my decision to choose Lemonade. I know I’m in good hands! Thank you lemonade! Sincerely, Kathleen McKean

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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