Lemonade | Pet Insurance Review

4.9

out of 5

Number of reviews 774

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.7
  • 4.7
  • 4.9
  • Count
  • 27
  • 115
  • 774

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: 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!
5

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.
5

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!!!
5

out of 5

POSTED: | BY: Chris Medin

Claim was processed quick and easily.

Great Service and easy transactions.
5

out of 5

POSTED: | BY: Faith voiers

They are fast with the claims.

They are great and their jobs.
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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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