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: Ava Smith

First Checkup claim

This was our first time using Pet Insurance. I was pleasantly supposed at how easy the process was! I clicked submit claim and it walked me through everything. It took maybe 5 minutes to submit my bill. I got my approval and the money was direct deposited toy account. Love it!!!
5

out of 5

POSTED: | BY: Kaliegh Martin

Claims

Lemonade was fast with application, claims etc. Would recommend to anyone
5

out of 5

POSTED: | BY: Renee Roux

Quick and Easy

Lemonade was quick and easy to get my claims processed. Easy to use app .
5

out of 5

POSTED: | BY: Heather Hess

Very responsive team

Very easy
5

out of 5

POSTED: | BY: Clarissa H

Makes having insurance look like a breeze

Best insurance service out there!! When I first brought home Oso 3 years ago, we started with Trupanion. They were Ok. The only reason they were considered is because they work with vets direct so you don’t need to be reimbursed but the process is lengthy and prices are a bit high. I was paying about $90 and it didn’t have add ons. Lemonade came in and blew the prices out of the water and I have things such as vet visits and specialty treatments added for a fraction of that price. Oso was stung by a bee and had to be rushed to the vet! I was nervous for the outcome of the payment process since it was my first time filing a claim. Literally took less than 5 min and my claim was approved! They make being a dog parent more joyful than stressful. 1000% recommend lemonade for those who want a hassle free company!
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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
Provider website

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