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: Michelle Chavez

Rate the Ease of Claim at 11 if I could!

When signing up for insurance entirely from the app, it was a quick and easy process compared to the clunky process from other pet insurance companies. My previous insurance was discounted through my work, but I was paying almost triple what I pay now with Lemonade, plus, with Lemonade, any money I don't claim gets donated if possible! And yes, I have the EXACT same coverage as my old insurance, and could customize it exactly how I want. Money I can feel good about spending. And the claim process! I alsmost couldn't believe I did a claim! It was easy, quick, and done within seconds, money on it's way already to the bank! With my old insurance I had days and forms to fill out; with Lemonade, they cut straight to the point.
5

out of 5

POSTED: | BY: Wanjiru Kihagi

Thank goodness

Thank goodness I got insurance for my puppy as soon as I brought him home! You just never know what life brings you, my puppy was seven months old when he got really sick from an inflamed lymph node. The bill added up so quickly in three days I had already accumulated over $8000, I was able to begin the claim as soon as he was admitted and the ease of communication with Lemonade was bar none and they were also able to communicate directly with The hospital my little guy was staying at. I could not be more grateful for them and their understanding during that hard time, the last thing I wanted to deal with was insurance but the ease made it so much easier! Please, please, please get insurance for your pet.
5

out of 5

POSTED: | BY: Merriellen starbird'bonds

Nice

Pet health insurance for all my pets
5

out of 5

POSTED: | BY: Daniel Black

A new breed of insurance

All companies say they care but it’s not until you use Lemonade that you really see the difference. Lemonade is fast and simple to use. Lemonade takes the stress out of submitting a claim at a time when all you really care about is your pet. Once submitted you get to work with a person, with an actual name and a sense of humour just when you need it! Lemonade cares about what your pet means to you and goes the extra distance to keep you connected. Great company.
5

out of 5

POSTED: | BY: John Siu

Lemonade is the best for my dogs!

Lemonade is a great platform to use to know that my 2 dogs (terrier mix and pomsky) are protected. I had Nationwide in the past, but Lemonade takes the cake. Lemonade has great rates, easy to file claims/payment of reimbursements, and most importantly the customer service is warm and transparent. I have also used Lemonade's chat feature where their experts guided me through policy coverage and dog health concerns.
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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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