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: Jennifer Wiggins

Surprisingly easy and fast

Submitting a claim is very easy. I asked my vet to email me the invoice, I forwarded it to Lemonade after submitting the claim in the app. A rep from Lemonade emailed me to say it had been approved and then funds were directly deposited into my account the next day. I was not expecting the return that fast!
5

out of 5

POSTED: | BY: Leslie Taylor

Outstanding

Lemonade covered exactly as promised. Quickly! Once I downloaded the app, the rest was easy! I appreciated the efficiency and speed of the claims processing. My sweet cat would not have loved had I not had this insurance
5

out of 5

POSTED: | BY: Craig Merola

Is that really all there is to it?🤔

I have had many pets in the past but never insurance. I decided to get insurance this time around and got the kitten policy for the first year. Took the first trip to the vet for shots and tests… $250. Submitted the bill through the app which was as easier than ordering a latte from Starbucks. Took less than 5 minutes. It was instantly approved and received my 90% reimbursement via direct transfer into my checking account in a couple of hours. Every insurance claim should be this easy.
5

out of 5

POSTED: | BY: Lydia Rowe

Super easy and fast enrollment and claims processes!

Enrolling and filing pet insurance claims with Lemonade is really easy and super quick! Highly recommend!
5

out of 5

POSTED: | BY: Alex Bahtsevanos

Easy peasy

Finally put in my first claim and it took about 8 mins. Can’t get anymore convenient than that. Everyone there is very professional and respond to questions relatively fast. 14/10 overall rating
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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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