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
Verified

Very satisfied with Lemonade pet insurance

Posted: 10/04/2021
By:
Lynn
Gage

Very happy with Lemonade insurance

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
Under a year
10
Out of 10
Recommended
Verified

Very clear, helpful and responsive

Posted: 10/02/2021
By:
Allie
R

Great company to work with. Service reps are really helpful, claims are usually handled quickly and I like that my renters insurance is also bundled with my pet insurance.

Injury/illness
Claim Amount
Breed

Mixed Breed Medium (20-70 Lbs)

Age of Pet
1 - 8
10
Out of 10
Recommended

So glad I did it!

Posted: 10/01/2021
By:
Amy
Foerster

As a first-time owner of an English Bulldog, I knew that they were prone to costly vet visits. I had never had pet insurance before and wondered if I would be worth the cost. I researched many brands of insurance and the offerings before picking Lemonade. Their plan is simple. No hidden caveats. Premium rates do not jump to another stratosphere after the first year. Filing a claim could not be easier! Lemonade’s app makes it a breeze. Communication is instant and personal. Claims are paid swiftly. The policy has proven to be well worth the money and I am so very satisfied with Lemonade - I can’t say enough positive things - other than if you are on the fence - DO IT.

Injury/illness
Claim Amount
Breed

English Bulldog

Age of Pet
1 - 8
10
Out of 10
Recommended
Verified

Filing a wellness visit claim was easier and faster than I ever imagined it could be!

Posted: 10/01/2021
By:
Mayra
santiago

I read excellent reviews if Lemonade sort Insurance and thus went with this option for our dog. Now that I have filed our first reimbursement claims fir a wellness visit I too fully endorse Lemonade’s Pet Insurance ax the way to go!!

Injury/illness
Claim Amount
Breed

Mixed Breed Toy (up to 10 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