Lemonade | Pet Insurance Review

4.8

out of 5

Number of reviews 834

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.
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!!!
5

out of 5

POSTED: | BY: Rebeca

Very easy and responsive

I’ve only filled 2 claims so far, but both times the process has been easier than i thought it would. I love that i’m able to answer all the questions in a texting format. the claims are always quickly responded to and i’ve had no issues so far.
1

out of 5

POSTED: | BY: Julio

LEMONADE IS A LEMON

My dog has been insured my LEMONADE for over two years...suddenly they are not responding to various claims...pick another pet insurance company.
1

out of 5

POSTED: | BY: Jill

WORST INSURANCE COMPANY EVER, AND THAT IS SAYING SOMETHING

EXTREMELY DISHONEST COMPANY So far I am not impressed. I'm not sure who is writing reviews on line for them - all I have done is pay premiums and when I submitted my dog's wellness & vaccines this week it went into "being reviewed" status. Others say they pay same day, but that is not my experience. I am still waiting. I will update this if they ever pay (and obviously will be canceling the insurance & trying to figure out where to report them in my State if I don't hear back in a timely fashion). 2/5/24: Crickets. Still waiting. Not sure why these folks with cats are getting immediate payment. That has not been my experience in getting wellness covered for my dog. 2/7/24 - I will be turning this over to my husband, who is a corporate attorney. These jerks are not going to pay the claim unless forced. They haven't even looked at it. SAVE YOUR MONEY AND FIND OTHER COVERAGE.WOR
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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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