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.
4

out of 5

POSTED: | BY: Rudy

Very easy to use, shady math with coverage

The app and submitting claims are very easy, the company pays very quickly on claims as well, which is great. My only complaint which is more a frustration is the way this company does their math as it relates to coinsurance and deductible is different than any other type of insurance I’ve ever had and clearly favors Lemonade, not the consumer. Then again, insurance companies number one goal is to make money, not to pay it out, so no surprise.
5

out of 5

POSTED: | BY: Jiu Cheng

Super easy process. No hassle at all.

We had over $1000 in vet bills for our cat Tummy and had to make a claim with Lemonade for the first time. Their chat assistant made it super easy and quick to add all the relevant info necessary. After the initial claim, it took a bit of time, but there were no issues that really needed me to work through and I got the claim payment shortly after. Thanks Lemonade!
5

out of 5

POSTED: | BY: Valerie

Amazing service!

Great turnaround time and super easy to file the claim in general. I’m so happy to know my kitty is protected through Lemonade!
5

out of 5

POSTED: | BY: Ranessa

Great Customer Service

Great Customer service and easy to use app. No issues!
4

out of 5

POSTED: | BY: Maria

Easiest claims process I’ve ever used

Simple, quick process that can be done with cell phone. Fast reimbursement. Pleasant staff. I highly recommend.
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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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