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

VETERINARIAN: Doylestown Veterinary Hospital

POSTED: | BY: Tracy Bostic

Couldn’t be easier

I recently took my puppy for one of the many puppy visits needed. Rather than being an annoyance it is such a wonderful experience. My vet, DrPalin, and staff are AMAZING. Vey let kind, efficient and trustworthy. I was not looking forward to dealing with making a claim, but Lemonade made it quick and easy. Simple to claim, received my approval same day and funds sent same day. Love the experience. Makes taking care of my puppy fun! Thank you!!!
5

out of 5

POSTED: | BY: Lyric Hunter

Best pet insurance ever

They make having pet insurance a breeze. It’s not a hassle and so easy to get reimbursed
5

out of 5

VETERINARIAN: Eye care for animals

POSTED: | BY: Andrea Brand

Huck

This was the smoothest insurance claim ever! The app isn’t working right for me and the customer service I received was top notch. I was so stressed about sweet Huck (who is doing perfectly) and the ease of working with Lemonade made all the difference! Thank you!!
5

out of 5

POSTED: | BY: Leta Leggitt

Great Claims Process

So happy with our coverage and the easy claims process is great! The Puppy coverage is invaluable.
5

out of 5

VETERINARIAN: Loving Family Animal Hospital

POSTED: | BY: Alyse Stephens

Amazing!

Lemonade is amazing- submitting a claim is so easy and they walk you through each step. The final result of the claims are fast and thoroughly explained, and when a claim is approved, they deposit the money right into your bank account in a couple days! Any questions I’ve had were answered quickly and thoroughly and I love knowing my pups health is covered by them.
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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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