Lemonade | Pet Insurance Review

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: Caelan

Always so easy and quick to work with!

I work in veterinary medicine so I know everything that could possibly go wrong with my dog. And unfortunately right now everything IS going wrong with my dog. I love having Lemonade in my back pocket because I never have to question if I can afford her care or not. They’re always so quick to process claims and answer any questions I may have, and the policy is so easy to understand. I recommend it to so many of my clients.
5

out of 5

POSTED: | BY: Rita

Fast service and reimbursement.

Very pleased with the insurance company. Fast customer service.
5

out of 5

POSTED: | BY: Tracy

Easy Peasy

Great price and easy to submit claims.
5

out of 5

POSTED: | BY: Grace

Quick, thoughtful, thorough care!

I have found the deductible and cost to be fair and attainable. I love working with the kind member service reps, and also feel that the app chatbot is easy to use and efficient. All around a great product and service.
5

out of 5

POSTED: | BY: Karen

The process is extremely easy and fast

I've filed two claims so far for my kitty. A wellness exam and two vaccine. Lemonade covered 70% of each and paid out immediately. The process was the easiest it could ever be. I definitely recommend this insurance to anyone.
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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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