Lemonade | Pet Insurance Review

4.9

out of 5

Number of reviews 790

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.7
  • 4.7
  • 4.9
  • Count
  • 30
  • 120
  • 790

Updated: May 29, 2024

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

VETERINARIAN: Loving Family Animal Hospital

POSTED: | BY: Alyse Stephens

Amazing!

Lemonade is amazing- submitting a claim is so easy and they walk you through each step. The final result of the claims are fast and thoroughly explained, and when a claim is approved, they deposit the money right into your bank account in a couple days! Any questions I’ve had were answered quickly and thoroughly and I love knowing my pups health is covered by them.
5

out of 5

VETERINARIAN: Ethos

POSTED: | BY: Leslie Burnham

Thank you

Thank you for your recent claims review for Ellie! She has been having ear infections and I appreciate the ease of the claim and quick turn around time
1

out of 5

POSTED: | BY: E Bailey

I'm switching to a better insurance

I took my cat into vet and had a bill for 600$ and most of it they said they would cover and then when I got my reimbursement they only gave me around 130$ with no optio. To discuss the decision of that after . I was highly disappointed
5

out of 5

VETERINARIAN: Mcmonigle Veterinarian Hospital

POSTED: | BY: Chervyn Lee

Peace of Mind

The system was easy to use for claims and I was reimbursed so quickly! This experience has given me so much peace of mind in case of another emergency. Thank you Lemonade!!
5

out of 5

POSTED: | BY: Elizabeth McKay

Help with Ease

I’m so impressed with Lemonade Insurance for my cat! He became sick over a weekend and took him to the vet on Monday. Was totally shocked by the bill when I left the vets. Immediately filed a claim and thankfully got a fair share of the outrageous bill back immediately. This insurance company far exceeded my expectations and with ease! I’m so thankful to have covered my cat through Lemonade!

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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