Lemonade | Pet Insurance Review

4.8

out of 5

Number of reviews 827

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: Edward

So glad I chose Lemonade

I had an unexpected emergency operation for my dog Scott, after adopting him in 3 days. The procedure cost me $4000. It was after that unfortunate experience; I started to look for a pet insurance company. After extensive research I decided on Lemonade, so far, it’s everything I expected in a pet insurance company. Please note this review is based on standard physical and vaccine shots.
5

out of 5

POSTED: | BY: Dia

Insurance works!

I've had this insurance for my dog for about a year now. So far, it has covered 2 annual exams and one emergency visit. Submitting a claim is easy but must be done on your phone (so if you're not technically savvy it may present challenges). Payment is quick and directly to my attached bank account so no waiting around for checks to deposit. On top of that, they cover my veterinary clinic, which I love, so all the better. Definitely worth checking into if you have pets.
5

out of 5

POSTED: | BY: Tiffany

Happy Customer

I could not be more satisfied with Lemonade’s ease of use. Submitting a claim is extremely easy and reimbursement is lightning fast. Policy terms clear with no unexpected loopholes. Highly recommend!
1

out of 5

POSTED: | BY: Dan

Bait and switch: Reimbursement minimal, premiums inflating - seeking alternative care

Lemonades reimbursement limits have steadily declined in the few years I have had them, while premiums have been raised astronomically. I will be investigating alternative coverages with the intent to leave - due to premiums + out of pockets - minimal reimbursement, the annual cost of care is nearly double the amount I would pay for no coverage.
5

out of 5

POSTED: | BY: Margaret

Dog's Best Friend - Lemonade!!!

I recently had to take my dog to the Emergency ER after hours when he suddenly could not bear any weight on one leg. At the ER I was comfortable saying Yes to whatever diagnostic tests the vet deemed necessary, knowing that I had Lemonade in my corner! Once we were home with a diagnosis, meds and a plan for action, I started my first claim. My claims person was Alicia C. and she made it SO simple!! She even gave me options for how to send my invoice when I goofed up the first time. The whole process was wonderful; I couldn't be more pleased. And Alicia even ended our correspondence by sending Mr. Bingley a belly rub. Thank you, Alicia C. and Lemonade!!!
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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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