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: Micah Traw

100% Recommend Lemonade

I have used several pet insurances, but will recommend Lemonade to anyone looking. They have excellent customer service, their claim process is quick and easy, their repayment speed is probably my favorite. I had one situation where my dog spent a few days in the hospital, upwards of $2000, I picked up her notes when I left, sent the claim that day, and had my portion (90%) in my bank account within 48 hours. They paid for what they claimed they pay for, and I have never had a single issue with them. I tell everyone with pets to use Lemonade.
5

out of 5

POSTED: | BY: Amber Dickmann

Easy and quick!

My dog has had a chronic ear infection problem for the last 6 months- each claim has been handled quickly! Very easy to use lemonade! And hoping my pups ear problems are a thing of the past!
5

out of 5

POSTED: | BY: Leo Abel

Amazing

Lemonade is easy to deal with. You can do everything on line in 5 minutes if you have all the details from your vet. Ask your vet to send you a detailed receipt. With these infos you submit everything through your phone like a chat. It’s been almost 3 years and we’re extremely satisfied.
5

out of 5

POSTED: | BY: Shlomi Rabi

Best Pet Insurance — by a lot

Previous pet insurance companies—the kind recommended at vets and adoption agencies—are useless, pricey and sneaky. Lemonade’s rates, speed and reimbursement amounts are simply unparalleled. Game changer!
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!!!
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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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