Lemonade | Pet Insurance Review


out of 5

Number of reviews 748

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 3.9
  • 4.7
  • 4.9
  • Count
  • 7
  • 91
  • 748

Updated: November 13, 2023

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: Nuttha Kongarpa

Thank you lemonade team !!

Thank you lemonade team to help me get through the process I have to do by explain each step, easy to understand and and easy to use through their app.

out of 5

VETERINARIAN: Riverview Animal Hospital

POSTED: | BY: Adam Cline

Happy with Lemonade

I have had Lemonade since they moved into the Colorado market and so far they have been great. I haven't have many claims but all of them have been covered and done quickly.

out of 5

POSTED: | BY: Eric Alexander

Lemonade is great

Lemonade has been a great pet insurance for our 1 year old French Bulldog. He ate a kid’s toy that he shouldn’t have, but then it was too big to get past his stomach, so I had to take him to the pet ER. Lemonade paid for most of the ER visit and the scope procedure to remove the foreign body. That was over $3,000! Plus it was very easy to place the claim and then get the payment.

POSTED: | BY: Kate

Did you pay for deductible first to get your payment ?


out of 5


POSTED: | BY: Donna Di Paolo


I filed a claim because my fur baby was experiencing trouble urinating. My vet provided the best care which was costly. Lemonade processed the claim quickly so I could get reimbursed within a few days.

out of 5

VETERINARIAN: Community Vet in Oneonta, NY

POSTED: | BY: Emily English

Constantly Good Experiences

I’ve had Lemonade insurance for about two years now, and the peace of mind it has given me is worth every penny. My girl had a health scare when she was a kitten, and even though I’ve worked with her vet to keep it from repeating (knock on wood), I knew I wanted insurance to make the financial side of it less terrifying. Their claims are incredibly easy, it’s like messaging someone on FaceBook messenger. A few messages, a picture of the receipt, and that’s it. I’ll be loyal to Lemonade for a loooooong time!

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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