Lemonade | Pet Insurance Review


out of 5

Number of reviews 704

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.7
  • 4.7
  • 4.9
  • Count
  • 18
  • 91
  • 704
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.

out of 5

POSTED: | BY: Hallie Voisine

Impressed enough to renew!

I have a Labrador Retriever with a diagnosis of USMI. When we got that diagnosis and realized he would be on medication for that for life, I signed him up for pet insurance with Lemonade to cover anything else that could crop up regarding illness/accident/injuries, etc. I did the basic coverage plus added on coverage for both physical therapy and the exam fee. It's been worth it. He broke his tail in early summer, followed by abnormal lab results at his annual examination that has resulted in two follow up visits of UAs, additional labwork, and BP checks, with more to come. I was not expecting Lemonade to cover, since it was something that was found during his annual wellness exam and we did not opt in for wellness coverage. Not only did they cover all of the followup visits, but the reimbursement was in my account the same day as the approval. The second visit, I was immediately approved and reimbursed within hours. We are about to do our annual policy renewal and restart our deductible and our premium only went up about $4/month. Knowing that we have more follow up visits ahead as we try to pinpoint his abnormal labs and figure out what we need to do is made a lot easier by knowing we have Lemonade for his insurer. We've been thrilled with the experience, ease of submitting claims, rapid notification of claim status, and fast reimbursement.

out of 5

VETERINARIAN: Pender Veterinary Fairfax

POSTED: | BY: Laura Colee


Let me tell you that getting the quote, payment and claims done is so easy. I have been with other pet insurance in the claim process was just hard and most of the claims would get denied because you would need to provide more paper work. It just got tiring and I didn't see any benefit to having it after all the money I was spending every year. Lemonade has great rates and its worth the money.

out of 5

VETERINARIAN: Eastern Maine Emergency Veterinarian

POSTED: | BY: Carol Coughlin

Excellent service- highly recommend!

Lemonade was exceptional to deal with in my recent claims for two emergency vet visits for my dog. the claim was super easy to process and i received payments within a couple of hours. highly recommend Lemonade. great experience!

out of 5

POSTED: | BY: Gianna Delord

Thank you!

This is by far the best pet insurance company. I’ve never heard of lemonade before until a friend mentioned that they use it for their dog! The process was super easy to step but and BEST prices. I am a full time student and full time employee and Lemonade has definitely helped me out! From getting my fur babies vaccines and stuff lemonade has had my back. I refer all my family and friends to use this app and I will FOREVER use Lemonade!!

out of 5

POSTED: | BY: Mimi Vu

Quick and friendly!

I love the easy claim process, and everyone involved was super nice! Thank you.

Monthly Cost

Policies start at $10/Month


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.


$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 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

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