Lemonade | Pet Insurance Review


out of 5

Number of reviews 657

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.9
  • 4.9
  • Count
  • 6
  • 163
  • 657
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: Maria Jimenez

Lemonade Provides Awesome Service!

I am so thankful that I decided to get a Lemonade insurance for my dog Fred. He was always been healthy boy until he suddenly couldn't walk. I thought it would be hard for me to get the reimbursement for his test and treatments but the app is user friendly and convenient so I easily submitted the claim without a hassle. If you don't get an update from them within a week ( since they have to review your claim) just message the customer service and they will act immediately on your claim. I will definitely recommend Lemonade on my friends and family. Keep up the good work!

out of 5

POSTED: | BY: Clair Kruskamp

Amazing Service

The claims are easy to submit and the customer service reps are so kind.

out of 5

POSTED: | BY: Stephanie Hales

Delay after delay to pay claims - still not paid

Our dog had seizures for the first time at 5 years old. Because this was our first claim, Lemonade requested medical records for the previous 12 months. Skip ahead one month from the initial claims submission and now their underwriter is asking for his neuter records from when he was 6 months old (4 1/2 years ago). The reviewer claims this is standard practice and written in the contract. The contract clearly states "nose to tail" medical records for previous 12 months. Requesting records for unrelated medical care well beyond the contracted review period service stinks of intential delays or intent to not pay. Multiple emails and multiple platitudes but we are still not reimbursed over a month after the claim.

out of 5

POSTED: | BY: Daniel Chernin

Amazing All Around

Simply the best customer service of ANY service provider I work with. We love Lemonade and their team!

out of 5

POSTED: | BY: Jen Chang

Great pet insurance

I had another pet insurance for the first month until I realized that nothing was covered for the wellness. I canceled it and got lemonade because of the wellness package. I saved some money already for the first pet visit to get a booster for my puppy. The claim was super easy and it was approved within minutes. I wished I got lemonade since day 1.

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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