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: Charlyanne Nester

Friendly service and great coverage

I love the app for ease of filing claims. The customer service reps are so friendly and kind. The only reason I didn’t give 10 across the board was that my claim did take a long time to process; however, it did get paid and and overall I love Lemonade!
5

out of 5

POSTED: | BY: Gracie Picus

Love Lemonade for my fur babies!

Filing a claim was super easy & filled out everything 100% from my phone!!! They have great customer service & a virtual assistant helping you along the way. Our claim refund (after our deductible was met) was fairly quick & was direct deposited in our bank account! All was a great experience!! 😊
4

out of 5

POSTED: | BY: Allan Terrill

Good company

Overall good company. Could use a review of your total before you update your card details id like to know what I'm being charged.
5

out of 5

POSTED: | BY: Mick Bryan

Very easy to do business with.

I’ve been very happy with the service from Lemonade and how quickly they respond back to pending claims. Their app is excellent and a great tool for submitting claims. Their claims specialists are super friendly and easy to work with. I wish all insurance companies operated this way! Kudos to the Lemonade team!
5

out of 5

POSTED: | BY: Robin Clark

Quick and easy to file a claim

My new Lemonade policy was way cheaper than my old policy and I am getting much better coverage. In late April I fled my first claim for a routine visit and was pleasantly surprised at how quickly it was processed and payment sent to my bank. I left off one item when I filed the claim, went back and filed a follow up claim, and boom, approved and paid in minutes. Very impressed with the seed and quality of service.
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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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