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.
2

out of 5

POSTED: | BY: Stephanie Hales

Delay after delay to pay claims - still not paid

Our dog had seizures for the first time at 5 years old. Because this was our first claim, Lemonade requested medical records for the previous 12 months. Skip ahead one month from the initial claims submission and now their underwriter is asking for his neuter records from when he was 6 months old (4 1/2 years ago). The reviewer claims this is standard practice and written in the contract. The contract clearly states "nose to tail" medical records for previous 12 months. Requesting records for unrelated medical care well beyond the contracted review period service stinks of intential delays or intent to not pay. Multiple emails and multiple platitudes but we are still not reimbursed over a month after the claim.
5

out of 5

POSTED: | BY: Daniel Chernin

Amazing All Around

Simply the best customer service of ANY service provider I work with. We love Lemonade and their team!
5

out of 5

POSTED: | BY: Jen Chang

Great pet insurance

I had another pet insurance for the first month until I realized that nothing was covered for the wellness. I canceled it and got lemonade because of the wellness package. I saved some money already for the first pet visit to get a booster for my puppy. The claim was super easy and it was approved within minutes. I wished I got lemonade since day 1.
5

out of 5

POSTED: | BY: Ryan Johnson

Great protection for your pet

Lemonade provides a seamless experience fueled by great technology. The claim process is easy and efficient. Everything is submitted via the app and my claims have been processed very quickly, some immediately! I also appreciate that the team at Lemonade (thanks Eileen!) followed up to check on my dog after her illness. I never wanted to choose between caring for my pet or paying a large medical bill. Lemonade was the perfect solution.
5

out of 5

POSTED: | BY: STEPHEN Murgo

Just Great

It was so easy I thought I did something Wrong. Aotomatic deposot was quick...Great!!
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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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