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.
4

out of 5

POSTED: | BY: Lucius Robinson

Very responsive, very easy to use

The App is simple and comprehensive to file claims. Payment comes quickly, but a human response takes some time if needed
5

out of 5

POSTED: | BY: Susan Koutsoukos

Awesome company

This is a great insurance company. I put in a claim & was reimbursed a couple hrs. Later. So happy I went with Lemonade.
5

out of 5

POSTED: | BY: Monica Dioda

Excellent service

Excellent service. Super easy to file a claim.
5

out of 5

POSTED: | BY: Melissa Koff

BEST INSURANCE EVER!!! CLAIM PAID IN RECORD TIME!

Cannot recommend Lemonade highly enough! Claim is so easy to do on the app! Everyone who works there is professional and helpful and cheerful, which really makes a difference!!!
5

out of 5

POSTED: | BY: Burnell Burrell

Professionalism

As a first time pet insurance policy inquirer, I’m glad I did my research. I discovered that Lemonade was rated “Top Notch” and the reviews were 100% positive. I made the commitment and I have been very pleased with my purchase. Claims and transactions have been flawless and the professional representatives have been courteous and very helpful. Lemonade has given me peace of mind for my pup and my wallet.

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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