Lemonade | Pet Insurance Review

4.8

out of 5

Number of reviews 821

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.
2

out of 5

POSTED: | BY: Mered

Sour Lemonade

I would not recommend Lemonade insurance. In my estimation they have made everything very difficult in terms of accepting basic claims. Their customer service is good if you like rejection. I feel like I wasted my money with this insurance company.
1

out of 5

POSTED: | BY: Theresa

HORRIBLE DO NOT USE LEMONADE PET INSURANCE

Lemonade finds any reason NOT to cover a claim. My dog had ACL surgery on her right leg in August, we then got pet insurance because we didn't want anything like that to happen again. In March she tore her left ACL so now they won't cover it because they consider it a pre existing illness, lol. Thats like telling me becauae you have something wrong with your right arm then your left arm is going to go oyt too. 🤣🤣 What a SCAM!! DO not get pet insurance from them. Save your money.
1

out of 5

VETERINARIAN: Neighborhood Veterinary Centers

POSTED: | BY: Theresa

HORRIBLE DO NOT USE LEMONADE

Lemonade finds any reason NOT to cover a claim. My dog had ACL surgery on her right leg in August, we then got pet insurance because we didn't want anything like that to happen again. In March she tore her left ACL so now they won't cover it because they consider it a pre existing illness, lol. Thats like telling me becauae you have something wrong with your right arm then your left arm is going to go oyt too. 🤣🤣 What a SCAM!! DO not get pet insurance from them
5

out of 5

POSTED: | BY: Samantha

Great Pet Insurance!

I just renewed my policy with Lemonade after one year of coverage. I started my policy before my dog was diagnosed with a genetic condition that causes him to have highly recurrent bladder stones. In 2025, he had two emergency procedures from being blocked and unable to urinate. Lemonade covered both procedures, hospital stays, and medications. It is super easy to submit a claim and I have found that they are easy to get in touch with either by email or over the phone. Highly recommend!
1

out of 5

VETERINARIAN: Anna Veterinary Clinic

POSTED: | BY: Michael

Do not use this company. Find ways to not pay valid claims.

I had filed a claim for the extraction of 4 teeth for my dog. I have the dental coverage add on and it says it covers extractions. They said they would not cover it because it was preexisting even though the vet did not find this until a teeth cleaning. Also terrible claim process.
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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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