Lemonade | Pet Insurance Review


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.

out of 5

POSTED: | BY: Jenny Berklan

Lemonade Pet Insurance ROCKS!!!

I brought home a new puppy and wanted to get her insurance right away. After days of research, I found the Lemonade had the best price for what I was looking for. I was able to add a wellness plan to her policy, so all of her vaccinations, testing and blood work would be covered. She is a rescue, so I wanted to make sure she was able to get all of the testing needed to ensure a healthy life. I needed help answering a few questions about claims and after emailing Lemonade, someone got back to me same day. I was able to submit my claim and it was paid and pending in my account within hours! Thank you Lemonade!!!

out of 5

POSTED: | BY: Arianna Archila

Lemonade is absolutely amazing!

Lemonade is truly such a great company. Someone always responds in such a timely manner and explains everything in detail, to where there are no questions left. I definitely recommend this company!

out of 5

POSTED: | BY: Mackenzie Lamberson

So easy and helpful

My dog threw up some chicken bones, and I was worried that she may have more in her, or that there was damage. She had to rush to the vet for x rays and treatment. Knowing I have lemonade insurance helped reduce so much if the stress during that time. They processed my claim quickly and easily, and communicated well about how the claim was covered. I will always keep this insurance for my pets!

out of 5

POSTED: | BY: James Lott

No Games, Easy Claims

The coverage offered is great! Best coverage I could find for the price. My policy isn't filled with tricky loopholes and exclusions. The claims process is easy and quick.

out of 5

POSTED: | BY: Ilan Assayag

Well priced + easy claims = perfect insurance!

I'm a techie, and love doing everything online. When I saw that Lemonade offered well-priced pet insurance, I decided to give it a try with my new puppy. It was one of my smartest financial decisions in a long time... Only a couple of weeks after having done the insurance, I already needed to file a claim. There was a little hiccup at first, with their AI engine, but a human (the AMAZING Suzie!!!) hooked in quickly and resolved the issue. Since then, I've had to file numerous claims (our puppy turns out to be is a real menace...). Never had any issue, always got refunded as per the policy very quickly. The last time - the claim was approved in less than 1 hour!!!

Monthly Cost

Policies start at $10/Month


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.


$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 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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