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.
4

out of 5

POSTED: | BY: Brandon

Nearly perfect pet insurance

We purchased pet insurance for our 3-year-old English Setter just in case anything happened. So far all claims that we submitted were quickly dealt with either reimbursement of money or reasoning as to why we're not reimbursed. They are very responsive and quick which is great. I did not give them a perfect score as I do not recall them indicating that preexisting conditions were not covered so I was a bit surprised that they did not reimburse some items that we requested get treated.
5

out of 5

POSTED: | BY: Cydnie

Best customer service experience

I could not recommend Lemonade enough to anyone looking for pet insurance. The customer service has been wonderful and the claims process is very straight forward.
5

out of 5

POSTED: | BY: Matt

Excellent Service

Took our pup for his first vet visit, file claim the same day and received claim payout in less than 24 hours. Great service - thank you
5

out of 5

POSTED: | BY: Catherine

So easy and quick!

I purchased Lemonade for our Maine Coon kitten, and we purchased the preventative package for kittens. This includes everything from vet visits to vaccines to spray/neuter. I am extremely happy with Lemonade. I chose Lemonade over other providers because they seemed to be the most comprehensive and laid out everything in such a clear manner, way ahead of its time in pet insurance. The app is excellent, so easy to use and so easy to submit a claim. As soon as you click submit, your claim is approved and the money is immediately transferred into my checking account (by immediately, I mean in seconds). It's nice to have piece of mind that if anything bad happens, Lemonade will protect me from having to spend thousands out of pocket to save out cat. We are so pleased with it, that we switched our other Maine Coon cat from another insurance (our high deductible meant we never were reimbursed for anything) to Lemonade as well (he is 1.5 years old). If you are looking to purchase pet insurance, then I highly recommend.
5

out of 5

POSTED: | BY: Darline

Love Them

They are the best, quick, efficient and affordable
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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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