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: Hannah Williams

WOW WOW WOW (BARK BARK BARK)

Before I joined Lemonade, I was using Embrace and paying out the butt for standard insurance coverage for things that likely wouldn't happen to my pet (hoped they wouldn't)! The process of signing up with them was highly complicated and I barely understood what I was paying for, honestly. By chance, I took a look at what Lemonade had to offer and holy moly am I glad I did! Not only was Lemonade able to save us significant money per month, but we also saved extra by paying upfront for the whole year! The process was SO EASY and I understood exactly what I was getting, which I didn't think would be possible given my experience with Embrace. NOT ONLY THAT, I signed up for the extra coverage (which was still cheaper than if I had stayed with Embrace), and I get money back on almost every procedure that Quinn gets at her annual exams (fecal test, heartworm test, lyme and leptospirosis vaccine, to name a few). Filing a claim was so easy, I was literally reimbursed the day after Quinn's vet visit and the same day I filed my claim. I'm so glad I joined Lemonade, I'll never leave as long as things remain this good and I will sing Lemonade's praises to anyone who will listen!!!
5

out of 5

POSTED: | BY: Michael Lepow

This couldn't be any easier!

Our puppy went in for her vaccinations and check up. We submitted a claim and the reimbursement was direct deposited into our account in two days. Very simple, no hassle.
5

out of 5

POSTED: | BY: Sam N

Lemonade provides rapid and responsive service

Lemonade provides good and fair coverage and is easy to work with
5

out of 5

POSTED: | BY: Sarian Holt

Totally worth it

Fiona is too curious for her own good- I got the policy after I was looking at a potential dental procedure for her. Ended up using it because she ate *something* that she shouldn’t have and we ended up at pet urgent care on a Sunday night. Lemonade was great with handling the claim- the chat feature let me put the info in bit by bit, so it wasn’t overwhelming and I didn’t forget anything. Took about a week to get everything processed and I was given an explanation and breakdown of costs and coverage. And they checked in to see if Fiona was feeling better!
4

out of 5

POSTED: | BY: Derek Caramella

Great Customer Service, Poor User Form

The customer service is great and responsive. However, the user form is restrictive and prohibits customization.
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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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