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
5
Out of 10
Recommended

would like to retract the review I wrote in the last hour

Posted: 10/08/2021
By:
Marie
Glynn

In my review I complained about inability to reach a human. In going through my inbox, I found a message from a human which I had not seen. It was asking me 3 specific questions.

I'd like to retract the review I just wrote; I would like you to not approve this one. I will write another when my outstanding claim is either approved or denied.

Injury/illness
Claim Amount
Breed

German Shorthaired Pointer

Age of Pet
Under a year
5
Out of 10

Claims take weeks, no customer service

Posted: 10/08/2021
By:
Marie
Glynn

Very disappointed. Lemonade has paid out two small claims, and a third is in process--and has been in process, for weeks now. The insurance is reasonably priced, but the claim experience is an ordeal. Essentially the consumer has to do the work the veterinary office would normally do in submitting the claims.
Two of my three claims have gone into "Lemonade Limbo." Any attempts to contact customer service result in a response from a chatbot. Chatbot messages forwarded to "the team" will get a generic email signed by a human, but it is only a boilerplate message. "You will hear from us soon." They need to use another word, because over three weeks is not soon. There is no way to talk to a person, so the claim process is unsettling.

Ease of claims and rapidity of payment are what Lemonade sells, but that has not been my experience.

Injury/illness
Claim Amount
Breed

German Shorthaired Pointer

Age of Pet
Under a year
10
Out of 10
Recommended

Great Customer Service

Posted: 10/07/2021
By:
Suzanne
Lane

Great customer service!

Injury/illness
Claim Amount
Breed

Mixed Breed Toy (up to 10 Lbs)

Age of Pet
Under a year
10
Out of 10
Recommended

Very good

Posted: 10/06/2021
By:
Marek
Sobocinski

Very good.Fast responding . Very professional. Thanks

Injury/illness
Claim Amount
Breed

Boxer

Age of Pet
1 - 8
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