Lemonade | Pet Insurance Review

4.8

out of 5

Number of reviews 830

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: Sunny

Immediate benefits!!

The benefits of having pet insure were immediate! I was reimbursed for Watson’s flea, tick, and heart worm medication. It was in my bank account the very next day after I submitted the claim! It’s comforting to know that he has the coverage. We have health insurance for all of our family members and Watson deserved it, too!
5

out of 5

POSTED: | BY: Susan

Have had two emergencies in his 8 months and lemonade was a lifesaver

They took care of my claims quickly and reimbursed very fast. Financially I don’t know what we would have done without them being retired and on a fixed income
5

out of 5

POSTED: | BY: Nanette

We have been very pleased with the product.

We have had to use 2 vets in addition to our primary vet in our pup’s 7 months. Lemonade was great about that! Claims are processed quickly and they are very nice explaining what is not covered on my policy without me having to read it with every claim.
5

out of 5

POSTED: | BY: Mars

Dependable

They’re very easy to use and understand. Really fast service with my claims and super nice staff. I have both my pets insured with them.
5

out of 5

POSTED: | BY: JoAnne C

Pet care is excellent and student Vets do a great job

I am just getting accustomed to filing claims. And I’m beginning to learn what is covered and what is not. That will make filing claims easier to submit and understand reimbursements.
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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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