Lemonade | Pet Insurance Review

9.8

out of 10

609 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 9.9
  • 9.8
  • 9.8
  • Count
  • 39
  • 442
  • 609
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.
8

out of 10

POSTED: | BY: Diane D'Angelo

Easy to file a claim

Easy to file a claim. A little disappointed because it appears as if the price is going to go up every year.
10

out of 10

POSTED: | BY: Biswajit Roy

Amazing claims handling in as less as 0 seconds!!!

Claims processing speed is phenomenal and the money gets wired to your account in less than 2 days
10

out of 10

POSTED: | BY: Fangying Jin

Definitely recommend Lemonade Insurance!

Gemini got two surgeries and both of them cost a lot. Lemonade Insurance processed the claims very fast (the recent one was above 10k and they processed the claim within a week). I really appreciate their fast response and short process time.
10

out of 10

POSTED: | BY: Erin Langer

Highly Recommend!

I would highly recommend Lemonade insurance.... it was honestly overwhelming researching insurance. We finally choose one that we thought would work best for us and have no complaints so far! It is very easy to file a claim and the customer service team responds quickly. They do a great job explaining what is happening with your insurance policy when you file a claim!
10

out of 10

POSTED: | BY: Kathleen Le

Very easy and quick

Submitting a claim is very quick. Someone contacts you immediately through the chat system. You answer a few questions, email your invoice, and reimbursement comes within a few minutes.

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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