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: Kristen Turpin

Best decision ever!

After debating over several companies, I couldn’t have made a better decision. Lemonade has taken such great care of me and my dog AND given me piece of mind. Thank you!
5

out of 5

POSTED: | BY: Jareli Gutierrez

They Care!

Lemonade really cares about your pet! They make the process feel warm and inviting. I had a scare with my dog getting pneumonia and ending up in the ER. The costs were very high to get her fully treated and entering in the claim was nerve wrecking. BUT the lemonade team checked in on my dogs health apart from getting further details. They made me feel at ease and made the process extremely easy. I recommend this insurance to all pet owners!
5

out of 5

POSTED: | BY: Jennifer Daugherty

Quick easy service!

Very quick and easy service!
5

out of 5

POSTED: | BY: Kaitlin Launder

Easy and quick

I adopted my cat in November 2021 and by February 2022 he became quite sick. I had luckily purchased Lemonade Pet Insurance the month prior, to start the year off. I submitted multiple claims and they were handled quickly. Reimbursement was lightning fast, which was a pleasant surprise. My sweet kitty ended up passing in May 2022 and even though his end of life wasn't covered, it was nice that I didn't have to go through a long process of trying to get his past claims completed and I was able to close the policy quickly. I ended up purchasing another policy for the cat I rescued the following week and have recommended to others already.
5

out of 5

POSTED: | BY: Monica Clodius

High Quality Insurance Made Easy

Insurance claims processing is often slow, a ton of work and overall an added stress, at least that has been my experience with insurance before Lemonade. Lemonade has always processed my pet health insurance claims quickly (usually in a week or so), sent me updates and explanations every step of the way so I knew what was going on, and have always answered any questions or concerns I had quickly and thoroughly. Never have I felt like they were making me jump through extra hoops for nonsense reasons in the hopes they won’t have to pay and instead let me focus on what was important, making sure my sick cat was well taken care of. Lemonade has been a great stress reliever, something I doubt I will ever say of another insurance company. Plus, it has allowed me to get my cat the best care possible, which I would have undoubtedly struggled to afford otherwise. I have recommend it to all my friends who have pets.
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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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