Lemonade | Pet Insurance Review

4.9

out of 5

Number of reviews 767

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.4
  • 4.7
  • 4.9
  • Count
  • 21
  • 109
  • 767

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: Mcmonigle Veterinarian Hospital

POSTED: | BY: Chervyn Lee

Peace of Mind

The system was easy to use for claims and I was reimbursed so quickly! This experience has given me so much peace of mind in case of another emergency. Thank you Lemonade!!
5

out of 5

POSTED: | BY: Elizabeth McKay

Help with Ease

I’m so impressed with Lemonade Insurance for my cat! He became sick over a weekend and took him to the vet on Monday. Was totally shocked by the bill when I left the vets. Immediately filed a claim and thankfully got a fair share of the outrageous bill back immediately. This insurance company far exceeded my expectations and with ease! I’m so thankful to have covered my cat through Lemonade!
5

out of 5

POSTED: | BY: Nicole Ross

Simply Amazing!!

I cannot believe I waited so long to look into pet insurance and I am so glad I have chosen Lemonade. My claim was reviewed so fast and payouts for claims are also super fast. Everything with the policy is easy to understand and if there is something that you don't understand, Lemonade is so wonderful in helping answer questions. They are patient with your questions and make sure you are satisfied. I would recommend Lemonade for pet insurance to anyone and everyone!!!
5

out of 5

POSTED: | BY: Natasha Singha

Fast, Easy, and Transparent Service

My claim was processed super quickly, and the agent who was on the claim was very clear with her emails and expectations of when to recieve the claim. I have no complaints!
5

out of 5

POSTED: | BY: Tanesha Brown

Miss

Claim process was easy and seamless.

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

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