Lemonade | Pet Insurance Review


out of 5

Number of reviews 704

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.7
  • 4.7
  • 4.9
  • Count
  • 18
  • 91
  • 704
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

VETERINARIAN: Prince Frederick Animal Hospital

POSTED: | BY: Janice Draper

I love Lemonade!

I love Lemonade Pet Insurance! It is so easy to use and they are very caring and friendly. I take comfort in knowing I have this protection if my pet has significant pet issues. My dog Max gets into a lot of mischief, and hopefully he won't get hurt or sick, however knowing I have this insurance gives me peace of mind. Every time I have filed a claim it has been easy and paid out very quickly!

out of 5

POSTED: | BY: Megan Turlington

Love Lemonade!

My pup is all boy and very injury prone. I think my Lemonade rep knows me by heart 🤭 But they are always efficient, timely, and the claims process is extremely streamlined. I use it for emergency services because those can really pile up at the vet and my claims are usually processed within a week after a short explanation and submission of forms from the doctor! Super easy and painless. Customer service is great as well.

out of 5

VETERINARIAN: Garden State Veterinary Hospital

POSTED: | BY: Jim Caparoso

Vito’s Surgery

Hello, my experience with Lemonade has been fantastic! They were concerned with my dog’s condition and emailed me after the surgery to see how he was doing. They truly care about your pets. I have and would recommend them to everyone.

out of 5

VETERINARIAN: Bond Vet Chestnut Hill

POSTED: | BY: Sharon Hogan

Lemonade-it worked well

My dog had some pretty concerning stomach problems and needed several diagnostic tests which found nothing wrong- great news but was thinking Lemonade might balk at paying since nothing of note was found. No problem with the claim-handled efficiently and well-I highly recommend Lemonade insurance.

out of 5

POSTED: | BY: Laura Workman

Great service!

Great service and the app was easy to use!

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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