5
out of 5
POSTED: | BY: Paula
Worth the money
Lemonade has been a great policy to have for my puppy. They review and pay claims promptly. I would highly recommend them!
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: Eileen
Very quick and professional
I have had no problems and it was very easy.
5
out of 5
POSTED: | BY: Katie
Great experience, friendly service
We had a great experience with our first claim with Lemonade. We switched to Lemonade last spring due to their having just one annual deductible and covering standard care like vet visits and vaccinations, which our previous insurance did not offer.
In this instance, our dog got very sick and had to spend a night in the emergency hospital. She had to have a lot of testing done and the vet bill was very high. Lemonade was super responsive and seemed like they truly cared. They are very thorough, so be sure to have all relevant documents read to go when you are making the claim. They covered the full amount of our dogs policy less the co-insurance and deductible. Easy process!
1
out of 5
POSTED: | BY: R
Save your money
I submitted a claim for my 6 month puppy and it took them over 2 months not 2 weeks like they state to get a rejection on my claim. They claimed my claim was pre existing….seriously my dog was 6 months old and had her first heat cycle which caused an irritating rash on her belly and they claimed it was pre existing and denied the $300 claim. I told them I wanted to appeal it and after 2 months after filing the appeal of Lemonade doing nothing they decided to close the claim. Now I was paying $92.59 a month for this insurance that claimed to pay claims in 2 weeks and they couldn’t pay a claim in 4 months. At $92.59/month for 12 months for 10 years the average life span for my dog, this insurance was going to cost me well over $11,1000 in my dogs lifetime. By Lemonade not doing their job and denying my claim it cost them $11,100 and saved me $11,100. I can put $92.59/month in a compound interest account and make more money than I was going to spend on Lemonade insurance. Not good business Lemonade. Denying a $300 claim cost you $11,100 in future revenue. Do the math.
5
out of 5
POSTED: | BY: Eunice
Totally worth it
I already have Lemonade for Renters Insurance, and when I was looking for pet insurance, I noticed that they had it. Picking a policy was super easy, and even needing to change it was super easy as well. The customer service is helpful and they helped make my policy the way I needed for my cat!
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