Lemonade | Pet Insurance Review

4.8

out of 5

Number of reviews 827

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

POSTED: | BY: Lorri

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!
5

out of 5

POSTED: | BY: Precious

Easy, Fast and Great

Lemonade did amazing job handling my claim quickly. It’s very reasonable and covers a lot. I’m grateful for lemonade pet insurance!
5

out of 5

POSTED: | BY: Bradley

Always helping !

Thank you for always helping Chai out! The Lemonade team is awesome!
5

out of 5

POSTED: | BY: Camila

Claim

I was very surprised with how fast Lemonade helped us with our claim regarding our dogs surgical procedure, they were very helpful and it was so easy.
5

out of 5

POSTED: | BY: Gabrielle

Insurance Made Easy

I was pretty skeptical about getting my dog insured for accidents and illness, fearing that most things would not be covered and the process for submitting claims would be a hassle. I just submitted my first few claims and am amazed at how quickly i submitted my claims and how quickly I received reimbursements. 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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