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.

Average customer rating

9.7 Out of 10
60 Days 1 Year Lifetime
Rating 9.6 9.7 9.7
Count 113 280 280
10
Out of 10
Recommended

True to their word.

Posted: 10/15/2021
By:
Jeannine
Dutra

Lemonade Pet Insurance was brought to my attention by another Corgi owner. I reviewed different pet insurances and I liked what Lemomade had to offer. Sadly I only had the insurance for a short time because my Corgi puppy died quickly. I put in a claim and Lemonade paid my claim minus the appropriate deductibles. They kept me informed during the claim process. When the time is right, we will welcome a new Corgi into our home and hearts and get her Lemonade Pet Insurance.

Injury/illness
Claim Amount
Breed

Pembroke Welsh Corgi

Age of Pet
Under a year
10
Out of 10
Recommended

So far it’s great!!

Posted: 10/13/2021
By:
Kim
Yousey

Have only used it for yearly vaccinations, but overall that’s a good thing. It was easy and they provided coverage for what they said!!

Injury/illness
Claim Amount
Breed

Golden Retriever

Age of Pet
1 - 8
3
Out of 10

Used to be good—what happened?

Posted: 10/13/2021
By:
Tracy
Keely

When David was my claims processor things went well-informative, responsive, and quick. Now Jess is handling my claim and I haven’t had an answer since 9/27–it’s 10/13 today- and no one is responding to my request for information yet. My dog is scheduled for surgery and I wonder if this is how it goes for a C/T scan, what will happen with my future claim!? Frustrated. Just keeping me informed would do a lot.

Injury/illness
Claim Amount
Breed

English Cream Retriever

Age of Pet
Under a year
10
Out of 10
Recommended

Quick and easy pet Insurance, done right.

Posted: 10/10/2021
By:
Kadianne
Bernard

Simple and easy to understand policy information. Quick claims processing. Great coverage options.

Injury/illness
Claim Amount
Breed

Mixed Breed Medium (20-70 Lbs)

Age of Pet
Under a year
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 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