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

VETERINARIAN: Baldwin Harbor Animal Hospital

POSTED: | BY: Cheryl Newton

Quick and easy

Filing a claim w Lemonade has proven to be quick and easy. I put the claim through via my phone and w in hours it was reviewed and approved. The payment for services was in my bank account in 2 days. It was truly an easy experience.
5

out of 5

POSTED: | BY: Bill Baughman

Super Easy

Everything about the process from signing up to claims was/is super easy. I wish every thing in life were this easy.
5

out of 5

POSTED: | BY: Traci Muldoon

Super Convenient

I love Lemonade insurance. I’ve been using them for more than two years and have never ran into any issues with them. Their customer service reps get back to you in a timely manner and their claims are processed super quick.
5

out of 5

VETERINARIAN: VCA

POSTED: | BY: Lorri Davis

First time user

Took my dog in for shots. I had recalled that a portion of the office visit may be covered along with the shots themselves. Thought I’d take a chance and submit a claim. In submitting the claim through the app, I got an immediate response as to what my refund would be. Total bill was $191.00 of that I was refunded $109.00!! The money even showed up in my account later that afternoon!!! Amazing!!! Couldn’t be happier!
5

out of 5

POSTED: | BY: Precious Holland

Easy, Fast and Great

Lemonade did amazing job handling my claim quickly. It’s very reasonable and covers a lot. I’m grateful for lemonade pet insurance!
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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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