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.
5

out of 5

VETERINARIAN: Animal clinic of Millville

POSTED: | BY: James Mathews

Happy

Very happy with Lemonade Ins. Our dog is a rescue and not knowing her past makes us nervous about her health. It great having the piece of mind to know we can take her to the vet without worrying about breaking the bank.
5

out of 5

POSTED: | BY: Leigh Pena

It's soooo Easy.

I find Lemonade so easy to work with. You get reimbursed within 24 hours and it's great and so easy for as busy as I am. I absolutely recommend their coverage and appreciate their service.
5

out of 5

VETERINARIAN: Quince Orchard

POSTED: | BY: Paula Puglisi

Lemonade is Refreshing!

The application and claims process is clear and seamless, and timely.
5

out of 5

VETERINARIAN: VCA Eastmont Vaughn Hospital

POSTED: | BY: Nicole Sharpe

That was fast!!!!

I love the interaction with the bot. It took me through everything step by step. The bot was intuitive when it came to the tests!!!
5

out of 5

VETERINARIAN: Paws

POSTED: | BY: Edward Colfer

So glad I chose Lemonade

I had an unexpected emergency operation for my dog Scott, after adopting him in 3 days. The procedure cost me $4000. It was after that unfortunate experience; I started to look for a pet insurance company. After extensive research I decided on Lemonade, so far, it’s everything I expected in a pet insurance company. Please note this review is based on standard physical and vaccine shots.
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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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