Lemonade | Pet Insurance Review

4.8

out of 5

Number of reviews 830

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.
1

out of 5

POSTED: | BY: Shianne

Don't go here

Waste of time. Coming here for 20 years doesnt matter, they don't care about the animals Just how much money they can make off you. Don't bother calling you will be on hold forever just so they can give you a crap excuse as to why you're considered a new patient and not welcome. Happy holidays, they don't care if your animal needs help, they would rather lose your paperwork and say they aren't accepting "new" patients. I will make sure everyone i know either doesn't go here or transfers to an actual caring vets office. Rude and ruthless.
5

out of 5

POSTED: | BY: Iryna

Thank you for your service

Always easy to claim my insecurities , takes about few minutes to fill up all the questions . Never had any problems getting my money back. Money is returned within a couple of minutes. Thank you for your service!
5

out of 5

POSTED: | BY: Melanie

Most positive experience during a Challenging time.

So glad I purchased pet insurance for my pup. I have owned a lot of dogs and this is the first time I have had pet insurance. My friend recommended lemonade and it was best decision I made. My dog and a traumatic eye injury. Filing the claims was super easy and stress free and payments were quick. Their follow-up on questions was also seamless. Great experience
5

out of 5

POSTED: | BY: Abby

Easiest way to claim Ever!

I took my cat, glitter to her yearly checkup and got majority of the expenses back from lemonade!
5

out of 5

POSTED: | BY: Denise

Christina @ Lemonade Claims Rep

We had to take our fur baby Lucy to the emergency vet for a puncture on her left paw. Luckily she's doing well and no long term issues just lot's of stitches. Christina @ Lemonade assisted with the claim we submitted and she was very efficient, friendly and quickly processed the claim
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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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