Lemonade | Pet Insurance Review

4.9

out of 5

Number of reviews 805

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.
5

out of 5

POSTED: | BY: Amy Foerster

So glad I did it!

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.
5

out of 5

POSTED: | BY: Mayra santiago

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

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!!
5

out of 5

POSTED: | BY: Carol Atwood

Claims processing is extremely efficient

Enrolling was easy and claims handling is a breeze.
5

out of 5

POSTED: | BY: Dina Marie

Reimbursement is fast

Great insurance for your pet!
5

out of 5

POSTED: | BY: Connor Kubiak

Easy and Affordable

Bought insurance the day before our dog's first wellness exam. Once the vet had sent over the receipt and exam details, it was maybe 5 minutes to go through the claim process on the app for the bill, and the money was immediately transferred... I can't believe how easy it is to buy the insurance and file claims. Also, the policy we have costs less than any other provider we looked at -- and is more customizable.
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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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