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: Shannon

Better than expected!

Honestly I wasn't sure what to expect when I got this coverage, but good thing I did. We ended up having to file a claim only a couple months after having the coverage. The process is quick, simple and claims are paid quickly directly into my bank account. We have Nationwide for our other dog and plan on switching him over to Lemonade.
5

out of 5

POSTED: | BY: Nancy

Excellent Service

Excellent and easy service working my claim online. Answered my questions in a timely manner. Highly recommended!👍🏻
5

out of 5

POSTED: | BY: stan

Insurance you can count on...

Lemonade is an insurance company that cares and does the right thing! Every time I have a claim it is so easy to do! Agents are always super helpful! Transactions are fast and easy too! Thank you, Lemonade!
1

out of 5

POSTED: | BY: Charna

My experience with Lemonade

At first they seemed ok. I have a puppy now 11 months old. I received money back on vaccines. He got kennel cough, I sent them the bill but they needed to contact my vet for more information. I think they may have covered something. The real issue I had was when I neutered my puppy. They covered the neuter as it says in my contract.. which they kept referring back to. They don’t tell you that they don’t cover the anesthesia, the laser, or even the medication you get sent home with. I was very surprised. The neuter itself was $343, they reimbursed me $120. He did need some teeth removed but I already knew that wouldn’t be covered. However, there is a list of about $247 of things I thought would be covered including anesthesia & the laser required for surgery, as well as medication for after care.
5

out of 5

POSTED: | BY: Linda

Ease of submitting claim with Lemonade

Before Chewy came out with a stripped-down version for accident insurance, my research was that Lemonade had the least monthly cost but I did pay for the whole year at once which gave me a discount and I had two cats so they gave me a 10% discount. I will say the submission process was pretty simple although I will say it was interesting that they wanted you to video your explanation of how your cat got into their predicament. Apparently they had facial data on whether you are lying or not. Go figure.
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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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