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: Gina Yarnell

Efficient and helpful!

Lemonade has made claims for my Lexi simple and easy. I had my funds in less than 48 hours with no hassle. Easy to upload and someone there on the chat if need assistance. This is one of the best things I’ve done as a pet owner, to get Lexi and my bank account the coverage they need!
5

out of 5

VETERINARIAN: Refinery Rd. Vet Clinic Gainesville TX

POSTED: | BY: Sheila Flanagan

Very pleased

I have to say that the customer service from Lemonade was totally awesome. Everyone I interacted with was so professional and at the same time, kind and understanding.
5

out of 5

VETERINARIAN: Folly Road Animal Hospital

POSTED: | BY: Michelle McLeod

Fast, easy, convenient claims process

The process for submitting a claim on my pups annual wellness visit and booster shots was super easy—the app walks you through step by step what info to enter and then easily uploading a picture of my invoice. I immediately received confirmation of the amount I would be reimbursed directly to my bank account. Awesome service!
5

out of 5

VETERINARIAN: Croton Animal Hospital

POSTED: | BY: Marion Walsh

Thank you for wonderful care.

Thank you to Croton Animal Hospital and Lemonade with the excellent care and approval of claim for ACL surgeries and dealing with a few complications. Thanks to you, our Lab can enjoy our wonderful hikes!
1

out of 5

VETERINARIAN: Justin Daughtry at State of the Heart

POSTED: | BY: Kristina May

Awful practice

Awful! Justin Daughtry's negligence directly caused my cat to develop diabetic ketoacidosis. My cat also obtained a skin injury while in SOTH direct care due to Melissa's lack of compassionate care. Now they refuse to answer my questions in email and demand I talk with them on the phone because they refuse to admit that they made any mistakes. These people are rude, unprofessional, narcissistic, and only care about taking your money. My cat almost died because of State of the heart's incompetence!
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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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