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: Cats and Dogs Animal Hospital

POSTED: | BY: Julie Higinbotham

Tummy Triuble

The people T Lemonade were wonderful and made filing a claim for Piper's tummy troubles easy and rather quick. Thank you .
5

out of 5

VETERINARIAN: North Ogden Animal Hospital

POSTED: | BY: Alyssa Deru

Pet insurance is worth it!

Very quick, easy, very user friendly, available 24/7. Deductible might be a little high but this is my first insurance so I’m not too sure. I have two pets added to my insurance and I never have to worry too much about them needing a check up or getting hurt.
5

out of 5

POSTED: | BY: CC Carter

Easy Claims, Excellent Coverage

Lemonade offered competitive rates for our 5 yr old Golden, so I figured it was worth switching from a previous provider and giving them a try. So far, coverage has been great, claims are very easy via the app, and service is excellent overall.
5

out of 5

VETERINARIAN: Cumberland Animal Hospital, Dr.Alison

POSTED: | BY: Dee Willis

Very Pleased

I am very please and thankful that I have the insurance coverage for my animals because I got reimbursed money and it only took a few days for it to be wired to my bank.
5

out of 5

VETERINARIAN: Coast veterinary

POSTED: | BY: Meme Lumsden

5 Star all round

My dog loves visiting the vet and bounced in and out even though he had to have a fox tail removed from deep in his ear. The vet also diagnosed and removed fly worms from his eye, eew! Lemonade were as always very efficient and fast to process my claim all from the app and email, couldn’t be easier. Thank you all.
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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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