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: Claire King

Excellent, rapid claim reimbursement and amazing customer service

I had a question about my delayed submission of medical records (we weren't able to get our dog in for his annual exam, which was overdue, within the 14 day period). Not only did they answer my question, but they also notified me that his annual exam costs could be covered by my policy! I did not think that would be the case given I submitted records late. Throughout the claim reimbursement process, the customer service team was communicative, kind, and quick. Our claim was paid without issue and within a few short days!
5

out of 5

POSTED: | BY: Michelle Hamilton

Great Experience

My dog was injured and had to have surgery. I submitted all the necessary information via the very user friendly app.....days later I had my refund. Great experience and so thankful for this policy!
5

out of 5

POSTED: | BY: Alyssa Katerberg

Super efficient and quick!

Submitted the paperwork while in the parking lot of the vets office and was approved before even getting home. Had the reimbursement in my account the next day.
5

out of 5

POSTED: | BY: Miranda Wenner

Easy

It’s so easy and flexible to use! Claims get approved very quickly.
4

out of 5

POSTED: | BY: JERI CHEN

Thanks for your help

Thanks for your help
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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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