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: Lilly Clouden

Comprehensive coverages with a great premium

I was reimbursed instantly after submitting my claims. After doing much research for pet insurance Lemonade had the rates with great coverages. I would highly recommend!
5

out of 5

POSTED: | BY: Maria Flores

Best insurance

The best pet insurance you can have for your fue baby!!! They work with you and they are on top of your claim!!!
5

out of 5

POSTED: | BY: Kurt Babcock

Claim paid quickly with no hassle

First time filing a claim money was in my account the next day. Easy claim handling with no questions. They reviewed the bill and paid what they owed. That is how insurance should be.
5

out of 5

POSTED: | BY: Andrea Zardetto-Smith

A small cost to reduce anxiety

We recently lost our mini doxy Penny to IVDD. The bill was over $3000. We decided that for our new pup Ginger we would be very proactive about preventative care including chiropractor. I was a little skeptical at first as I did purchase the whole package with preventive care and I figured I’d have to submit a mound of paperwork for the claim and probably do it 2-3times before getting anything. But in fact it took 3 min to file the claim, it was approved immediately and funds in my account the next day. To say I’m satisfied is an understatement and I hope, God forbid, Ginger has a health issue as awful as Penny did, that we are prepared to handle the financial end much better. Also I won’t be putting off health care as I’ve had to do with our other dachshunds. I recommend this policy highly.
5

out of 5

POSTED: | BY: Alejandro Leon Alvarez

Best customer experience. Claims are effortless

I couldn't be happier with Lemonade. Their customer experience team is excellent and submitting claims couldn't be easier and quicker. Highly recommended!
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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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