Lemonade | Pet Insurance Review

4.8

out of 5

Number of reviews 818

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: Michelle

Fast claim handling and refunds, easy to do!

This is my first time having pet insurance and so far I really love Lemonade Insurance. The process was very easy to apply and every claim has been very fast and easy to do as well, with funds refunded immediately! The plan I got is reasonably priced considering all the preventive care I am covered for while my dog is a puppy. So far, I'm very happy with the service!
5

out of 5

POSTED: | BY: Ana M

Compasión

they are very compassionate and understand the sadness and insecurity that comes with having our baby sick, excellent service
5

out of 5

POSTED: | BY: Sam

Great insurance, worth the money

I have had to submit a fair few claims so far in my puppies short life, and lemonade has always been prompt and efficient. They also clearly explain what they do and don’t cover, so I never have unreasonable expectations. Everything is fast and easy.
5

out of 5

POSTED: | BY: Patricia

Pawfect Pet Insurance

After much research I settled on Lemonade....They make enrolling, and filing a claim easy and stress free. Lemonade keeps the promises they make on their website. They are quick to approve and respond to claims. I have recommended them to two friends since buying insurance to cover my rescue puppy, in October 2021.
5

out of 5

POSTED: | BY: Dawn

Fastest Claim I ever Filed

I took my cat for her annual exam and her usual vaccines. I opened my Lemonade app to file the claim thinking I should do it right then because I would need to print the form, attach the receipt, mail it in and wait weeks to get paid. I mean, afterall, I'm still waiting on a medical insurance payment 3 months later and still waiting. I was shocked when I clicked file claim and an agent instantly appeared, took me through a few questions, had me take a picture of my reciept, approve the claim, verify my bank info and pay me!!!!!! I don't know for sure but I don't think it took more than 5 minutes. The longest part was waiting for my bank to make the funds available. I ended up only paying $20 for my cat's annual exam. On top of all that, Lemonade and it's agents are pretty funny and a thrill to work with.
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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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