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: RICHARD BAXTER

It really works! Easy, easy, easy.

I was skeptical of "pet" insurance and paying anywhere from $30 to $90 or more per month (depending on your coverage amounts) for my new puppy but my daughter swore that the next time she gets a dog she is DEFINITELY getting insurance, so I looked in to it. I found Lemonade Insurance. Reasonably priced for pretty good coverage so I signed up. In 2 months I have already met my deductible and have begun getting reimbursed. I honestly never thought I would even make my deductible but a little case of diarrhea and a some kind of insect bite was all it took. Claims are filed easily via their app and emails from Lemonade keep you posted on your claim. I did have 1 claim that took a little longer than the others that I did contact them about, no big deal, it just took a little longer for whatever reason. I am a convert to pet insurance and I recommend Lemonade!
5

out of 5

POSTED: | BY: Walter Young

Very pleased so far never having pet insurance for previous pets.

Very pleased so far. Agents are very accommodating, and claims settled very quickly. Sully is just a pup(10 weeks), and this is very helpful getting started off right. With veterinarian fees and illnesses/ accident potential it only makes sense to have this help in time of need, especially for the cost involved. Great decision So far.
5

out of 5

POSTED: | BY: Kristina Ferrie

Amazing

Lemonade pet insurance has been such a great experience start to finish. Claims and reimbursement is a hassle free process and done in a few minutes on your phone. The Customer service and fun emails are another great part!
5

out of 5

POSTED: | BY: Brittin Thomas

Love this pet insurance! Such a good decision.

First of all, so glad I decided to get pet insurance. It earned its worth within 2 months when our puppy, Pretzel, got unexplainably very ill. The price is very reasonable (so much less than I expected!). The customer service is phenomenal— they are fast, super friendly, and easy to communicate with. The app makes it insanely easy to make a claim & is user friendly. The only things I don’t love are: having to record videos of yourself explaining what happened (personal opinion; I just don’t like it) and not having better rates for multiple pets. Overall, I am glad I went with Lemonade & am thoroughly pleased with them thus far.
5

out of 5

POSTED: | BY: James Murad

Lemonade makes it so easy to request a claim and fast service.

Lemonade has been great. Their app/website is easy to follow and fast response. We have a new puppy and as expected she will have a few extra claims while she is young. I expect vet visits to drop off significantly after she is spayed. I highly recommend Lemonade.
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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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