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: Mia Lowe

User friendly

So far we are really satisfied with Lemonade Pet Insurance! We adopted a sweet 50lb mixed breed from the shelter and the claims reimbursement from just his initial wellness and vaccinations have almost already paid for themselves within just the first couple months! The app is so easy and makes filing claims a breeze.
4

out of 5

POSTED: | BY: Annastasia Drgos

Good service

I think Lemonade has been pretty good service. I feel like they get back to you for any questions or claims in a very timely manner. I only wish that insurance was paid directly to vet office but each company out there has different policy, that is the only thing I would change. Everything else has been outstanding and again the customer service is very courteous, professional, and timely. I would definitely recommend this service to others.
5

out of 5

POSTED: | BY: Natisya Item

Best Insurance Company Ever!

Lemonade insurance is by far the best insurance I have ever had! I started with their renter's insurance and I was so happy with their customer service and their turnaround time for claims., that when the Pet Insurance became available, I knew I had to switch over and add it to my insurance bundle. My dog became very ill one night where we had to take him to the emergency hospital after-hours. The veterinarians had to do an exam, run blood work, use the x-ray machine twice (once initially and once for a follow-up), give him medications, an IV, and so much more. It was obviously a stressful situation with my poor pup but I felt comforted knowing that I was backed up by Lemonade's Pet Insurance. Once I filed my claim, I just needed to provide the medical summary and the invoice that was provided to me from the animal hospital. My claim was approved and the money was in my account 48 hours later. I only had to pay my deductible and the exam, which is not covered (but that is transparent in covered policy document they provide you when signing up). I have had other Pet Insurance companies and their customer service and resolution time takes much longer, with coverages not being transparent so you have to pay much more out of pocket. Lemonade's monthly rates are very competitive and their customer service is superb. I 100% recommend using this insurance company.
5

out of 5

POSTED: | BY: Yoel Lapscher

Easy, instant claims!

Lemonade is the best pet insurance company ever! Claims are easy to file and I usually get reimbursed within seconds. Recommend 10/10
5

out of 5

POSTED: | BY: Jamiee Nathaniel

So grateful for Lemonade pet insurance

It was so easy to file a claim through the Lemonade app! I am extremely grateful to Lemonade pet insurance for making the process so simple during an already difficult experience with my pet undergoing surgery. The automated chat feature is really easy to navigate, and once you get in contact with a real human, they are so kind and helpful. I highly recommend!

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 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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