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: Cheryl Jaremba

First claim success

I submitted my first claim for an office visit/shots just a couple weeks after I signed up. So easy and fast and had the money in my bank account quickly. Appreciate how well this went.
1

out of 5

POSTED: | BY: Donna Hofer

Ear Infection considered "Pre-Existing" condition!

First, had to go through hoops to even file a claim. You cannot file on-line, only through the app. Then you have to answer a series of questions to an "automated person" and even submit to a "video" of you describing the events of the illness. I rescued a dog. Took him to the vet shortly after adopting him and he diagnosed with an ear infection and prescribed drops. I then purchased Lemonade a few weeks later. The first claim I submitted was over a year later for another ear infection. My claim was denied as they stated it was a "pre-existing" condition. An ear infection is an acute illness, not chronic. I will be filing a complaint with the Illinois Department of Insurance and then will cancel this policy. What good is it?
5

out of 5

POSTED: | BY: Paula Culvey

Worth the money

Lemonade has been a great policy to have for my puppy. They review and pay claims promptly. I would highly recommend them!
5

out of 5

POSTED: | BY: Katelyn Wolfe

Easiest insurance ever!

Lemonade is so worth it!! I actually decided on lemonade based on other reviews. My first dog was unfortunately a frequent flyer at the vet (pit with skin issues) and his insurance company was an absolute pain. My current dog had to be rushed to the emergency vet and then taken to her normal vet for more testing and care (wonky liver). Submitting the (lengthy) bills was an absolute breeze! You never want to have to use your insurance but lemonade made it so simple and easy. I was able to submit everything through the app and was reimbursed pretty quickly! The reps stayed in constant contact with me and gave me little updates throughout the claim process. Everyone at lemonade is super friendly! The rep that handled my claim, Julia, was so sweet and truly cared about how my dog was doing. I also love that if your claim does not get approved for some reason they will donate the money. Bottom line: lemonade is super easy to work with and I highly recommend it!
5

out of 5

POSTED: | BY: Eileen Mitchell

Very quick and professional

I have had no problems and it was very easy.
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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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