Lemonade | Pet Insurance Review

4.9

out of 5

Number of reviews 774

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.6
  • 4.7
  • 4.9
  • Count
  • 28
  • 115
  • 774

Updated: November 13, 2023

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

VETERINARIAN: All Creatures Veterinary Center

POSTED: | BY: Michael Maas

Cooper's First Claim

When Cooper my Bernese Mountain Dog got sick, the vet ran lots of tests to determine the reason. Some of the tests were quite spendy. I wasn't sure if my claim was going to be fully covered, but the Lemonade team came through and covered everything except the exam. The claim process was fairly easy and the claim was approved quickly. I'm grateful that the experience turned out to be a positive one!
5

out of 5

POSTED: | BY: Julie Daza

Easier than I thought

It was very easy to make the claim. Just a short audio explanation and the invoices of your vet.
5

out of 5

VETERINARIAN: Animal Clinic of Benson at Kent, WA

POSTED: | BY: Tommy Kim

Lemonade Pet Insurance Review - PINGU

Animal Clinic of Benson at Kent, WA is awesome. Great care and fair market pricing for treatment. Lemonade is efficient and effective handling customer claims. I highly recommend to other pet overs.
5

out of 5

VETERINARIAN: Kay Animal Hospital - Dr. Clayton Leathers

POSTED: | BY: Taylor Rigor

Best Insurance Provider!!!

We got insurance for our dog because she is getting older and we wanted to make sure we were never faced with the option of either helping her or euthanizing her. I am extremely glad I did! 6 months later and she was diagnosed with Addisons disease. The claim process is SO easy and we had our money back basically within 48 hours. They are quick to respond and their customer service is top notch. Moving forward, if we ever get another fur baby again, I will insure them from the beginning. It is very affordable and you can customize your plan to meet your needs.
5

out of 5

POSTED: | BY: Liliana Verenice

Very easy insurance

Lemonade makes it so easy to file a claim, everything is done through the app and you don’t have to call or sit and wait for hours to speak to someone. I love the online chat service because you can file a claim at literally anytime. I love that I can submit my supporting documentation via the same chat and reimbursement is quick. So happy we got lemonade for our fur baby.
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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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