Lemonade | Pet Insurance Review

4.9

out of 5

Number of reviews 809

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: Mick Bryan

Very easy to do business with.

I’ve been very happy with the service from Lemonade and how quickly they respond back to pending claims. Their app is excellent and a great tool for submitting claims. Their claims specialists are super friendly and easy to work with. I wish all insurance companies operated this way! Kudos to the Lemonade team!
5

out of 5

POSTED: | BY: Robin Clark

Quick and easy to file a claim

My new Lemonade policy was way cheaper than my old policy and I am getting much better coverage. In late April I fled my first claim for a routine visit and was pleasantly surprised at how quickly it was processed and payment sent to my bank. I left off one item when I filed the claim, went back and filed a follow up claim, and boom, approved and paid in minutes. Very impressed with the seed and quality of service.
5

out of 5

POSTED: | BY: Devionna Barnes

Easy!

I'm very happy that I came across lemonade, filing a claim is very simple, fast, and easy. I would definitely recommend lemonade to my family and friends.
5

out of 5

POSTED: | BY: Maria Yepez

Best decision after adopting Lucy

I decided to get pet insurance with Lemonade because of the great experience I had with my renter's insurance. I had already used it three times and the whole experience is worth it, the customer service is great and the UX of a claim is great.
5

out of 5

POSTED: | BY: Amy W

Super fast, convenient

I chose Lemonade because my renters insurance is through it, so I figured it’s easy to bundle and I got a 5% discount. I’ve had to use the claim system twice so far, and both times were so easy and fast. The app makes it easy to do everything at once. My only slight complain is they don’t always tell you what parts they aren’t covering, and you have to ask more about that. But they refund my money so quickly (literally the next day) and have very nice customer service. 10/10 would recommend
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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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