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.
4

out of 5

POSTED: | BY: Bailey

Great Customer Service

The Lemonade app is super easy and quick to use. The representative was quick to respond and the claim was resolved fairly quickly as well. A couple things weren’t covered when I was expecting them to be, but overall the experience was pretty good. The money that was reimbursed was deposited right to my checking account.
5

out of 5

POSTED: | BY: Matthew

An easy process

Filing a claim and receiving reimbursement was an extremely easy process. Teddy our Yorkshire Terrier had a concerning cyst. Filing the vet invoice was an organized step by step process. Suzie the claim rep was extremely helpful and interested in the case, even over the weekend. Claim settlement was quick. Teddy BTW is fine.
5

out of 5

POSTED: | BY: Kim

Easiest pet insurance ever

Best customer service ever..easy process for claims..everyone I had communication with during my claims was went beyond the extra mile to make sure everything was ok...I highly recommend getting lemonade pet insurance
5

out of 5

POSTED: | BY: Ana

Service

Is excellent service
5

out of 5

POSTED: | BY: Savannah

Easy & Excellent Service!

Lemonade makes it easy for me to file insurance claims for all three of my pups. I love how straightforward the process is, and their staff is very helpful. It seems like their staff actually loves animals, too, so that's a bonus! Highly recommend :)
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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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