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.
1

out of 5

POSTED: | BY: Sandi Gogert

CLAIMS DENIED

i have filed 2 claims, one for a UTI that was denied as they stated it was a pre-existing condition as our dog had had one 5 months prior. Not sure how that is pre-existing as it isn't for a human - you sometimes just get them. The other one was for a sprain and again denied. Our dog jumped up to get a squirrel that ran up a tree and came down and landed wrong and hurt her leg. She was not seen by the vet just a phone call, they just gave her anti inflammatory and 7 days later was fine. 8 months later (last week) she was running and stepped into a hole and sprained her wrist on the same leg - CLAIM DENIED!!!! PRE EXSITING CONDITION. Not sure how a sprain qualifies for that but for them it does. been paying 70.00 a month for about 8 months and have got nothing. She was diagnosed with arthritis now so denying this as well. Don't waste your money!
5

out of 5

VETERINARIAN: Potomac Animal Hospital

POSTED: | BY: Thomas Knapp

Cyst Surgery

Very quick and no hassle review and payment of claim. Highly recommend Lemonade.
5

out of 5

VETERINARIAN: Community pet hospital

POSTED: | BY: Amber Montoya

Thank you

Thank you for helping out.
5

out of 5

POSTED: | BY: Shannon Walthall

Better than expected!

Honestly I wasn't sure what to expect when I got this coverage, but good thing I did. We ended up having to file a claim only a couple months after having the coverage. The process is quick, simple and claims are paid quickly directly into my bank account. We have Nationwide for our other dog and plan on switching him over to Lemonade.
5

out of 5

VETERINARIAN: Toms River Animal Hospital

POSTED: | BY: Nancy Barbetta

Excellent Service

Excellent and easy service working my claim online. Answered my questions in a timely manner. Highly recommended!👍🏻
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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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