5
out of 5
POSTED: | BY: Christina Villanueva
Easiest Pet Insurance
First time ever using lemonade and they made taking care of my pet super easy. I’d recommend to anyone.
4.9
out of 5
Number of reviews 808
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: Victoria Rosendahl
Best Pet Insurance Ever!
We've been with Lemonade for a year and they've got great customer service and empathy -- even when it's an uncovered claim.
5
out of 5
POSTED: | BY: Stephanie Sze
Simple, Easy Pet Insurance
Lemonade pet insurance is so simple to use. Everything is done through the app and it is so quick and we received reimbursement right away. The only hang up is if your vet does not itemize everything. Then the process could take a while since they will call the vet. Other than that I would recommend. Also, price wise, it is great! I do like that they have additional coverage for those who want to include preventive care..etc.
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?
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 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