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: Brittan Wogsland

Understanding and helpful claim agents

I submitted a claim for my pets vestibular disease over a month after getting it sorted and they had no problem with the claim being delayed. After submitting the claim for the first appointment I was able to submit the next five appointments over email and had they whole claim processed in under a week. The agent I worked with was helpful and caring and made sure that my claim was processed quickly and efficiently.
5

out of 5

POSTED: | BY: Araceli Benavides

Amazing service!

I highly recommend. They explain all the benefits in a very simple way and they are very effective at processing claims.
5

out of 5

POSTED: | BY: Angela Mesa

Excellent service

It has been very helpful to have this insurance.
5

out of 5

POSTED: | BY: Joseph Ortega

I love lemonade

I have used this insurance a couple times. Filing a claim is easy and when you get a refund you get it in a couple days. The best thing I have done is getting pet insurance. I’m so happy I chose lemonade pet insurance
5

out of 5

POSTED: | BY: Kristine Wiyrick

Worth the investment

I've never had pet insurance before, but after a neighbor incurred a large vet bill after a Coyote attacked their dog, I decided it would be worth looking into. After researching the various companies and the policies they had to offer, Lemonade had the best policy fit for what I was looking for. About 6 weeks after I got the policy, our dog got injured at the dog park and the claim process has been very smooth.
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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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