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
  • 26
  • 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: Patti Orzel

Have only used once so far but great experience. They explain things well and follow up with payment very quickly.

As we got Gidget as a kitten I reviewed many pet insurance plans before purchasing. We had a bad experience with another company who would not pay us anything. So as we now have a new kitten/pet we thought it best to get insurance. She will have to go for her first annual exam in the next few months so I expect the same attention/payment as her last test. I was able to speak to a real agent who helped me thru the process. I recommend Lemonade highly.
5

out of 5

POSTED: | BY: Jewel Arago

Best Insurance!

Lemonade Pet Insurance is very affordable! My claims have been approved within 1-2 days and reimbursement is deposited to my account 1-2 days after approval of claim.
5

out of 5

POSTED: | BY: Daisy Schoen

The best pet insurance we’ve ever had

We love this insurance as it pays for Wellness visits as well. I love the app as it makes filing claims a breeze
5

out of 5

POSTED: | BY: Emily Sickenger

Quick and Painless

Lemonade takes such good care of me and my puppy! She's had an incredible string of bad luck thatbhas required multiple vet visits before she even turned 1, and Lemonade gave me the peace of mind that I would be able to take care of her, no matter what treatment she needed. The customer service is top notch, and I highly recommend the add on services, especially if you have a young puppy.
5

out of 5

POSTED: | BY: Christian Garcia

Affordable and easy

Affordable and easy
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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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