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: S. K.

Unbelievably Easy

I did extensive comparative reviews TWICE before I was willing to commit to pet insurance. I was skeptical of the value at first but ultimately by the second round of research did the math and spoke to a couple of vets and friends with pet insurance and was convinced of the benefit. If you treat your cats like family, then pet insurance makes sense. The alternative to not having insurance is awful if a pet becomes sick or injured and required costly care. I decided I didn't want to put me or my family in that situation having to make that kind of decision. Once you look at it that way, insurance makes a lot of sense just like it does for people. When I did the comparisons I kept going back to Lemonade for the cost. Then, I started using Lemonade and I cannot believe how easy the entire process is. They handle everything through the app and email with excellent friendly customer service. They respond very quickly and everything is set up to be extremely people friendly - even for those who know nothing about technology. The claims were processed ridiculously quickly and the reimbursement was in my bank account in about 24 hours. I am loving Lemonade and know I made the right choice. I wish more people knew about it.
5

out of 5

POSTED: | BY: Judy Knobling

Great insurance!

Claims are quick and easy.
5

out of 5

POSTED: | BY: Monica Arrington

They are the absolute best!

I love Lemonade Insuance. They are the best. I wish I would’ve known about them years ago as I would’ve had my other yorkie on it and maybe she would still be with me today. I have already recommended Lemonade to other pet parents.
5

out of 5

POSTED: | BY: Kristine Anrich

I love Lemonade pet insurance

I have insured my cats through Lemonade for almost an year. They provide easy claim process and fast pay out. All the representatives I have interacted with, they all are very professional and offer excellent customer service.
5

out of 5

POSTED: | BY: Mary S

Too Easy!

Too easy to file a claim and incredibly fast to receive reimbursement for claims.

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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