Lemonade | Pet Insurance Review

4.9

out of 5

Number of reviews 809

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: Melissa Stevenson

Takes the anxiety of owning a pet away!

I was nervous to get my first pet on my own because I’ve had many friends who had costly vet bills. Pet insurance through Lemonade paid off in the first month with the pet protection policy with my puppies initial vaccines and care. It was so easy and I immediately recommended it to my pet loving friends!
5

out of 5

POSTED: | BY: Kayla Ferro

Lemonade is so easy and convenient!

Lemonade has been life saving for me(and my bank account!) the plans offered are so comprehensive. The claim process couldn’t be easier! The app is so easy to use and one time I got a claim approved within 24 hours!! Honey and I LOVE lemonade!!!
5

out of 5

POSTED: | BY: Yesica Betancourt

Best insurance experience ever!!!

I never thought I would enjoy having an insurance so much! The app is beautiful and so easy to use! I’m so so so happy I decided to give this a try. Best decision ever!
5

out of 5

POSTED: | BY: Stacy Jerman

Lemonade has shocked me! They were so quick and amazing!

OMG! I put my first purchase in and I was reimbursed in 24 hours!!!! So awesome!
5

out of 5

POSTED: | BY: Kelli Beymer

So impressed with reimbursement experience!

My pup had his one year vet visit & I submitted my reimbursement form through the app. It was approved within 20 seconds & the money was in my checking account in 24 hours. So impressed! Simple & easy to complete & submit. I researched so many pet insurance companies and am so glad that I chose Lemonade. Highly recommend!
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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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