Lemonade | Pet Insurance Review

4.9

out of 5

Number of reviews 807

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.
1

out of 5

POSTED: | BY: Ash Mac

Money hungry

Find a way to increase your premium each year and say they can decrease it if you decrease your coverage. Only filed one claim in the last year and I paid them more than they paid me. Emailed with complaint and Jeff/ Jess were of no assistance. They blamed it on state wide increase and inflation… but if it’s inflation then my coverage should also increase to ensure I can cover potential costs at a vet if needed. Just a money hungry company. Spending an extra $200 for same plan as previous year and no pet health changes. Also for claim submission on the app it’s all robot auto replies not a human.
2

out of 5

POSTED: | BY: Isabella-Britain Hill

Labor Intensive!

IU've had Lemonade for 2 years and I will be grateful to be rid of them soon. They encourage claims to be submitted via cell phone. They don't cover any "alternative methods" which I knew from the beginning. When I tried to submit a claim via cell, it was difficult. First, they wanted vet notes, that was fine. Then they wanted everything broken down into separate costs. Jess helped me so much and it took her a few days to tell me what I was due. I find the "fur baby" syndrome off-putting and they have other cute little titles. When I wanted to submit my 1st claim, they asked me for a photo of Tachi. I told them I didn't have time. I wondered why they wasted so much of my time. Healthy Paws and Embrace were wonderful. I didn't ever feel that submitting a claim was difficult. With Lemonade, I was asked for the blood tests, the vet notes and anything else they might want. I don't like working on my phone because it was so difficult to break down costs, as Lemonade asked for them. I was told that I could do everything that could rival Embrace and Healthy Pets. How wrong they were. I have never encountered such a complicated process to simply submit a claim. Maybe others are more agile on the cell phone. I do a lot of things on my phone but anything to do with money is from my laptop. Soon we'll be freed from their clutches and that will be a happy day.
1

out of 5

POSTED: | BY: Shianne Christilaw

Don't go here

Waste of time. Coming here for 20 years doesnt matter, they don't care about the animals Just how much money they can make off you. Don't bother calling you will be on hold forever just so they can give you a crap excuse as to why you're considered a new patient and not welcome. Happy holidays, they don't care if your animal needs help, they would rather lose your paperwork and say they aren't accepting "new" patients. I will make sure everyone i know either doesn't go here or transfers to an actual caring vets office. Rude and ruthless.
5

out of 5

POSTED: | BY: Iryna Semenenko

Thank you for your service

Always easy to claim my insecurities , takes about few minutes to fill up all the questions . Never had any problems getting my money back. Money is returned within a couple of minutes. Thank you for your service!
5

out of 5

POSTED: | BY: Melanie Spencer

Most positive experience during a Challenging time.

So glad I purchased pet insurance for my pup. I have owned a lot of dogs and this is the first time I have had pet insurance. My friend recommended lemonade and it was best decision I made. My dog and a traumatic eye injury. Filing the claims was super easy and stress free and payments were quick. Their follow-up on questions was also seamless. Great experience

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

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