Lemonade | Pet Insurance Review

4.9

out of 5

Number of reviews 797

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.7
  • 4.7
  • 4.9
  • Count
  • 30
  • 120
  • 797

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.
5

out of 5

POSTED: | BY: yuri jang

My first pet insurance for my 2 babies!

It was my first time having pet insurance. I also have their renters insurance and I'm so so satisfied with them and have peace of mind with them. After the vet visit, they approve the claim within 1-2 business days and they're super friendly and walk me thru every single thing on their policy. Especially an agent named Michele cared about my pet's health and worked so hard to get my claim approved on the same day. I'm 100% satisfied with their insurance when it comes to preventative care but I just wish they have more coverage for dental!
5

out of 5

POSTED: | BY: Perla Cuevas Parra

Great service

Amazing coverage and response
5

out of 5

POSTED: | BY: Melony Dennis

LEMONADE's PET INSURANCE & CUSTOMER SERVICE ROCKS!!!!!!!

Lemonade is a "CONSUMMATE" pet insurance service that I just would NOT trade for the entire world. :-)
5

out of 5

POSTED: | BY: Margie Archer

Efficient, Fast, Comprehensive Offering

I am really happy with Lemonade-- really easy, fair pricing, comprehensive offering. Claims processing is instantaneous. They stand up to their reputation and reviews. I think I made the right choice!
5

out of 5

POSTED: | BY: Azadeh Brown

Couldn't be happier with Lemonade's policy and customer service.

I compared 8 different, top-rated pet insurance companies in my area. On paper, Lemonade was the best for my immediate needs, so I decided to go purchase the policy with them. I appreciate their transparency—they clearly list what they do and don't cover, and allow you the option to add-on additional services so you can pay for the services you actually want to use. The claims process is pretty easy. You can do it right from your phone. (One criticism I have is that I would also like the option to submit claims from my desktop). I pay the vet in advance, and submit claims and get reimbursed automatically into my bank account within a few days after the claim is approved. My pet has one issue that presented before her insurance waiting period was over, so Lemonade doesn't cover the treatments. Whenever they need to deny my claim, someone actually calls me to explain to me why the procedure/treatment isn't covered so I fully understand. I really can't ask for better customer service than that!
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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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