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: Federico Rodarte

Amazing how quick and easy response

When you need to fill a claim for any insurance, car, house etc, you know since the beginning that you will be in trouble in calling, visits, follow up and looong story to get resolved. Not with Lemonade pet insurance, the app is really easy to navigate, and the response to approve my pet accident? As quickly as with 5 seconds!!! No way!! Really??? Approved and wire transfer fast, yep some detailed severe accidents takes a couple of days… but worth it… l love it!
5

out of 5

POSTED: | BY: Stephanie Bean

First time holding insurance on any pet

I've never had insurance on any pet before and I've had a lot of pets in my life. I always thought it was for people with lots of money, turned out it's not that expensive and well worth it when the vet visits start up no matter what you gotta go to the vet for regular treatment with every pet. So it pays off. I told everyone who took a sibling to go through the same company as I did.
5

out of 5

POSTED: | BY: Melanie Adam

I was pleasantly surprised with the good service I received. Thank you!!!

I am so glad I signed Harry up with Lemonade Pet Insurance. We have been well taken care of. Thank you!
5

out of 5

POSTED: | BY: Soo Lee

Super Fast and Easy

Super fast and easy filing claims and getting paid through ACH.
5

out of 5

POSTED: | BY: Kim Macaluso

Quick and easy

I've never had pet insurance before. I was always told they take your money and never cover. So far I'm extremely impressed with Lemonade. Everyone I've dealt with have been great!!
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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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