5
out of 5
POSTED: | BY: Gerard Montemurro
The Best of 3
My third Pet Insurance Company and by far, the best
4.9
out of 5
Number of reviews 776
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
VETERINARIAN: Baldwin Harbor Animal Hospital
POSTED: | BY: Cheryl Newton
Quick and easy
Filing a claim w Lemonade has proven to be quick and easy. I put the claim through via my phone and w in hours it was reviewed and approved. The payment for services was in my bank account in 2 days. It was truly an easy experience.
5
out of 5
POSTED: | BY: Bill Baughman
Super Easy
Everything about the process from signing up to claims was/is super easy. I wish every thing in life were this easy.
5
out of 5
POSTED: | BY: Traci Muldoon
Super Convenient
I love Lemonade insurance. I’ve been using them for more than two years and have never ran into any issues with them. Their customer service reps get back to you in a timely manner and their claims are processed super quick.
5
out of 5
VETERINARIAN: VCA
POSTED: | BY: Lorri Davis
First time user
Took my dog in for shots. I had recalled that a portion of the office visit may be covered along with the shots themselves. Thought I’d take a chance and submit a claim. In submitting the claim through the app, I got an immediate response as to what my refund would be. Total bill was $191.00 of that I was refunded $109.00!! The money even showed up in my account later that afternoon!!! Amazing!!! Couldn’t be happier!
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 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