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: Kathleen Le

Very easy and quick

Submitting a claim is very quick. Someone contacts you immediately through the chat system. You answer a few questions, email your invoice, and reimbursement comes within a few minutes.
5

out of 5

POSTED: | BY: Sara Kittredge

Great communication

I had 2 claims within 1 month. Both people assigned to the cases were very prompt and efficient at getting the claims processed quickly. The communication was good and the instructions were easy to follow. I received my claim reimbursement quickly.
5

out of 5

POSTED: | BY: Renee Mosley

Best decision!

Lemonade has been fantastic! Easy app, easy filling, fast follow up, fast claims experience.
5

out of 5

POSTED: | BY: Cedric Davis

Great customer service

Lemonade has the best customer service and they pay your claim super fast. The best pet insurance company I have ever had for my pet. My previous pet insurance company never provided this level of great service.
5

out of 5

POSTED: | BY: Jennifer Dooling

Super easy and fast!

Lemonade service was excellent!! It took less than five minutes to enter and submit the required info. The money was in the bank after 24 hours!!
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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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