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: Blair Gabalis

Incredibly fast and easy to submit claim

Lemonade has always been great with my home insurance, and so when I recently switched to pet insurance, it’s not surprise how efficient and easy they make everything! I answered a few automated questions (and could easily chat with a rep if need be) and submitted a PDF of my vet receipt. Literally 30 seconds later, the money arrived in my bank for reimbursement! I do wish they had slightly more coverage (out of a $260 standard vet visit, I got $160 reimbursed), but for how quickly they process everything, it’s totally worth it!!!
5

out of 5

POSTED: | BY: Maria Frizzell

Lemonade - Quick, easy and excellent

We’ve used Lemonade pet insurance for 2 years now. It’s all online and super easy. An agent guides you through filing a claim. You get you claim approved within minutes and money in your acct within a day or two. Super easy, efficient and excellent customer service ! Highly recommend Lemonade Insurance.
5

out of 5

POSTED: | BY: Charles Greenspon

Lemonade is Ridiculously Convenient and Fast

I've had to submit 2 claims with Lemonade so far and both of them have been an absolute breeze. The first was for an emergency visit over the weekend and we had our reimbursement the same week. The second one was just a regular checkup where we were reimbursed literally as soon as I submitted the claim!
5

out of 5

POSTED: | BY: Terry Thompson

Recommend Lemonade

Excellent experience in all aspects from sign up to claim submission. Highly recommended!
5

out of 5

POSTED: | BY: Willow Mayer

I love Lemonade!

My pup has a sensitive stomach and typically needs frequent visits to the vet. Every time I need to submit a claim lemonade makes it so easy! The staff are always friendly and open to any questions I have. Highly 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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