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: Marisa LaValette

quick, straightforward, and FRIENDLY customer service

Working with Eileen on Josie's claims is such a breeze! The app makes it easy to collect document uploads. Straightforward claims like prescriptions were refunded instantly! Even the more involved claims went smoothly. Eileen emailed me at every step of the process. She asks questions about my dog's wellbeing, which makes us feel valued and cared for. Eileen resolved our claim in a much faster time frame than promised. Thanks Lemonade!
5

out of 5

POSTED: | BY: Linda Ruetsch

First Timer - pet insurance and first claim

I have had many dogs in the past, no insurance, and have incurred large expenses over the years. With my new addition, i decided that doggie health insurance would be a good idea. I hope to never use the accident and illness portion but as ever pet owner knows, things do happen. I did add wellness to my policy and was able to recently use it - the process was simple, quick and easy. As of today, i certainly would recommend, first pet insurance and second, Lemonade.
5

out of 5

POSTED: | BY: Kerry McGill

Simple and effortless

Got a new pup and knew we should get him coverage right from the start. We had another pup we did have coverage for and through the years spent quite a bit of money for his care. Learned about Lemonade from the rescue we adopted our new guy from. It was super easy to get the policy online. Then 2 weeks later went for a preventive checkup and needed to submit the first claim. It was so smooth and painless! Money was in my bank account within 48 hours. Very pleased with our decision!
5

out of 5

POSTED: | BY: Taylor Morrissette

Incredible service

Lemonade has been so helpful, fast and comforting. I know when I have a vet bill that I can submit it to insurance and they will accept it without any hassle! Its so comforting to know they have mine and Maggies back!
5

out of 5

POSTED: | BY: Allison McClaugherty

Quick, easy claim process!

Got the puppy preventive add-on for our 8 week old. It's already paid for itself for the next few months between vaccines, microchipping, and flea/heartworm meds! Claim was super easy, approved instantly and money deposited within the next day or so. Also had to file an accident claim for our puppy swallowing a hair bow. That process was easy as well. It is currently still in review but I'm confident that they'll have it sorted out.
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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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