Lemonade | Pet Insurance Review

4.9

out of 5

Number of reviews 781

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.7
  • 4.7
  • 4.9
  • Count
  • 30
  • 120
  • 781

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: Natalie Porter

Really impressed with Lemonade!

Lemonade has been a lifesaver in the short time we’ve had it. Miller had to have a major surgery and Lemonade was quick at closing his claim and reimbursed me 90%! Customer service has been great - one smaller claim did take about 2 weeks to complete but that has been my only issue with them in the 5+ months I’ve had it. Overall I highly recommend!
5

out of 5

POSTED: | BY: Rachel Whitehair

Excellent Insurance

So pleased with Lemonade insurance for my dog. I filed a claim and I had the money in my bank account on the next day. The coverage is exceptional. I highly recommend purchasing the insurance.
5

out of 5

POSTED: | BY: Melody Lherisson

ease of claims

I use the app on my IPAD and it is so easy to put claims in for items that I had done at the vets. And the customer service people are so friendly and helpful if you have a questions.
5

out of 5

POSTED: | BY: Nuria Wicksman

Friendly, easy and communicative.

I found Lemonade pet insurance to be extremely easy to set up and make the first claim. After my cat required further treatment, the representative that I was in contact with was extremely friendly, empathetic and helpful. He was always communicative, even when my vet clinic was slow in providing him with the information he needed to resolve the claim. I felt in good hands with lemonade, and I'm very happy I switched to them.
5

out of 5

POSTED: | BY: Amanda Agnew

App is user friendly and reimbursement is quick

I took both my cats to the vet, everything was covered that should have been, filing the claim was quick and easy and reimbursement was received in 24 hours! I have never trusted pet insurance before with previous pets, but this has made me a believer and was totally worth it!
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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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