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: Gwen WolfIwanowski

If only all businesses were as organized, efficient and client friendly! Submitted my claim and money was in the bank in 1 hr!

Excellent! After all the research, I made the right decision going with Lemonade!
5

out of 5

POSTED: | BY: Lauren G

Thank you for making a difficult situation easy

The Lemonade team is amazing! They answered all our questions, worked with the vets office to obtain documentation, and quickly processed claims (like 1-2 business days tops). I wish human health care companies were as easy to work with. Shout out to the person(s) who thought to include the cute animal gif in emails. It really makes me smile.
5

out of 5

POSTED: | BY: Kecia Rey

Easy to use

Maybelle was hurt and it was so easy to file and claim , customer service agent was wonderful
5

out of 5

POSTED: | BY: Lingyan He

efficient service

It is easy to do the claim and you get the money on the same date. Highly recommend this insurance.
5

out of 5

POSTED: | BY: Kirt Burcroff

6 stars out of 5

What can I say? Lemonade has been perfect for us. I wish I had signed up even earlier. Timely claim handling and a very user friendly experience.
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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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