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: 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.
5

out of 5

POSTED: | BY: Fidel

Claim process

I'm a fairly new customer. I have filed two claims for preventative care and I was so impressed with their extremely quick process to approve the claims and the step by step guidance to file them.
5

out of 5

POSTED: | BY: Dimitri

You'd regret not signing up!

Unfortunately, I've had to file two minor claims for my pup. However, lemonade was there to help me out. Everything, was easy and streamlined yo make it as stress free as possible.
5

out of 5

POSTED: | BY: sheilah

Lemonade pays the customer everything their due

I studied pet insurance for months before I decided on Lemonade! I found them to offer the best deal for my money and also gives you a higher maximum amount for your pet which is $50,000 each year with a 90% payment on each claim minus a $250 deductible!! They pay you quickly and usually the same day or day after!
5

out of 5

POSTED: | BY: Sarah

Super Pleased

We’ve been very happy with the coverage and service with Lemonade. They cover the things they say they cover, it’s very easy to file a claim and reimbursement is very timely. The payments are direct deposited in a matter of days. I expected any pet insurance claim process to be much more complicated and take longer. But this works out great.
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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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