Lemonade | Pet Insurance Review

4.8

out of 5

Number of reviews 834

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: Ryan

BEYOND Thankful for Lemonade!

Our pup was really sick, and we weren't sure if she had ingested something foreign. She was x-rayed multiple times, and had to stay overnight at the animal ER, and she is a very anxious pup in the first place! Our bill came out to almost $2000 for 24 hours of inpatient care that included IV fluids, medications repeat blood work, and repeat x-rays. Being that this was our first claim, I wasn't sure what to do, but I had two representatives guide me along the way and they made the process easy! They even shower genuine concern for Ruby's condition. Lemonade quickly reimbursed us a little over $1300 (had to pay the deductible!) Which was SUCH a relief. Ruby is back to her normal, wild, playful self if you're curious! 😊 Thanks Julie for helping us!
5

out of 5

POSTED: | BY: Karen

Awesome!

Fast service, money deposited next day!
5

out of 5

POSTED: | BY: David

I'm sorry I waited so long to get pet insurance. Lemonade made it easy.

The whole experience with Lemonade has been excellent.
5

out of 5

POSTED: | BY: Helen

Tommy got his wellness exam and I got credited in 2 days!

Very satisfied as they paid 80% of the cost of the wellness exam.
5

out of 5

POSTED: | BY: Margaret

They have been very attentive and customer service was very on point!

They have made the pet insurance experience very helpful. As a new pet owner, they have walked me through the process very professionally.
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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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