We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. Learn more
  1. Home
  2. Pet Insurance
  3. Lemonade Pet Insurance Review

Lemonade Pet Insurance

16 Customer Comments & Reviews - see all comments
Our content is free because we may earn a commission when you click or make a purchase using our site. Learn more.
Lemonade Pet Insurance offers affordable coverage for cats and dogs with flexible plans customizable to your pet's needs. Known for its fast AI-powered claims process, Lemonade covers accidents, illnesses, diagnostics, and surgeries. Optional add-ons like wellness care enhance coverage, making it ideal for pet owners seeking quick, hassle-free insurance with broad nationwide coverage.
 
VIEW RATES

How is Lemonade Pet Insurance rated?

Breakdown

4.0/5
Coverage
4.0/5
Cost
4.0/5
Extras

Overall Rating: 4 / 5 (Very good)

Lemonade Pet Insurance offers comprehensive coverage for cats and dogs. Known for its user-friendly app and fast claim processing, Lemonade uses AI to streamline the insurance experience, making it simple and accessible for pet owners.

Lemonade Pet Insurance Coverage

Coverage - 4 / 5

Lemonade provides a range of coverage options, including accident and illness plans, with add-ons for preventive care like vaccinations and wellness exams. This flexibility allows pet owners to customize their plan to fit their pet's needs and budget.
Pets Covered
Dogs
Cats
Coverage Types
Medical
Wellness
Vet Selection
Unrestricted
Out-of-State Coverage
Yes

Medical Conditions Covered

  • Accidental
  • Illness
  • Congenital
  • Cancer
  • Chronic

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Emergency Care
  • Behavioral Therapy

Benefit Limits

Benefit Limits - 4 / 5

Lemonade Pet Insurance benefits cap off between $5,000 and $100,000, depending on the policy. This gives their clients a lot of leeway when considering the cost-versus-coverage insurance equation.
Benefit Limit Types
Annual
Lifetime
Annual Benefit Maximum
$0

Reimbursement & Deductibles

Reimbursement - 4 / 5

Lemonade Pet Insurance offers customizable reimbursement rates for vet bills, allowing you to choose between 70%, 80%, or 90% reimbursement of covered expenses. The rate you select will affect your monthly premium—higher reimbursement rates result in higher premiums, while lower rates keep your premiums more affordable but increase your share of the costs when filing a claim. This flexibility helps you balance coverage and cost according to your financial needs.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
70%
Maximum Percent Reimbursement
90%

Deductibles - 4 / 5

Lemonade Pet Insurance policies are available with $100, $250, and $500 deductibles. This is the annual amount policyholders must contribute before the insurance kicks in. A low deductible may raise the cost of a policy, while a high deductible may require several visits to the vet at the policyholder's expense before the insurance starts to cover expenses.
Deductible Type
Annual
Minimum Deductible Offered
$100
Maximum Deductible Offered
$500

Pricing: How much does Lemonade Pet Insurance cost?

Cost - 4 / 5

The cost of Lemonade Pet Insurance varies based on several factors, including your pet’s age, breed, location, and the coverage options you select. On average, premiums for dogs range from $20 to $60 per month, while premiums for cats are typically between $10 and $30 per month.

Your final cost will also depend on your choice of deductible ($100, $250, or $500), reimbursement rate (70%, 80%, or 90%), and annual benefit limit ($5,000 to $100,000). Choosing lower deductibles and higher reimbursement rates or benefit limits will increase your premium. Lemonade’s pricing is competitive, especially for younger pets and those in good health, making it an affordable option for many pet owners.

Starting Monthly Premiums

Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$49.75
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$23.25
Rate Details: Reimbursement Model: 80% of actual cost Policy cap: $20,000 Annual deductible: $250

Enrollment & Waiting Periods

Enrollment - 4 / 5

The enrollment and waiting periods for coverage are 14 days for illnesses, 30 days for orthopedic conditions, and no waiting period for accidents.
Max Enrollment Age
0 years
Accident Waiting Period
0 days
Illnesses Waiting Period
14 days

Claims & Service

Extras - 4 / 5

Lemonade Pet Insurance offers several optional add-ons to enhance your coverage: Preventive Care Package: Covers routine and wellness services such as annual exams, vaccinations, flea/tick prevention, heartworm testing, and routine blood work. Dental Illness Add-On: Provides coverage for dental conditions, which are typically excluded from standard plans. Vet Visit Fees: This add-on covers the cost of vet visit fees related to treating covered conditions, which is not included in the base policy. Physical Therapy: Covers treatments like chiropractic care, acupuncture, and other rehabilitation therapies if recommended by your vet. End-of-Life and Bereavement Care: Includes coverage for euthanasia, cremation, and burial expenses.
Advertised Response Time
3-5 Days days
Claim Form
Mobile App

Contact & Additional Information

Homepage URL
https://www.lemonade.com/
Headquarters Address
5 Crosby St Fl 3, New York, NY, 10013
Mailing Address
5 Crosby St Fl 3, New York, NY, 10013
Year Founded
2016

Our Comments Policy  |  How to Write an Effective Comment

Leave a comment for Lemonade Pet Insurance
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

16 Customer Comments & Reviews

Loading Reviews ...
cgilmore128

2/12/2024
BE Aware!!! signed up last year 2/14/23 for a new rottweiler puppy, price was 864 a bit cheaper then the competition, i filed no claims, just received my renewal of nearly 1900 dollars! an increase of about 120% is insanity have 2 other dogs that we use another company for which increase a bit yearly which is fully expected also most contact is via email or chat messanger( i personally hate)

Jill W

2/5/2024
So far I am not impressed. I'm not sure who is writing reviews on line for them - all I have done is pay premiums and when I submitted my dog's wellness & vaccines this week it went into "being reviewed" status. Others say they pay same day, but that is not my experience. I am still waiting. I will update this if they ever pay (and obviously will be canceling the insurance & trying to figure out where to report them in my State if I don't hear back in a timely fashion). 2/5/24: Crickets. Still waiting. Not sure why these folks with cats are getting immediate payment. That has not been my experience in getting wellness covered for my dog. I have to give a star to comment, but would give... Read More

jsedensky

3/7/2023
Watch out bait and switch! Paid for insurance upfront and they have denied every claim. My dog had a thyroid problem and was ganing weight and they refused every single claim over 13 claims. Customer service is non existant and wish I never got involved with these mobsters!

Timothy M

1/25/2023
This is absolutely the worst pet insurance I have ever used. It does have some positives like quick pay but the customer service is nonexistent and the coverages where vastly different from what I thought I was getting. Don't waste your time or be fooled by the low premium..it's a rip off and not there for they said they were

Timothy M

1/25/2023
This is absolutely the worst pet insurance I have ever used. It does have some positives like quick pay but the customer service is nonexistent and the coverages where vastly different from what I thought I was getting. Don't waste your time or be fooled by the low premium..it's a rip off and not there for they said they were

Stephanie L

11/23/2022
Our dog had seizures for the first time at 5 years old. Because this was our first claim, Lemonade requested medical records for the previous 12 months. Skip ahead one month from the initial claims submission and now their underwriter is asking for his neuter records from when he was 6 months old (4 1/2 years ago). The reviewer claims this is standard practice and written in the contract. The contract clearly states "nose to tail" medical records for previous 12 months. Requesting records for unrelated medical care well beyond the contracted review period service stinks of intential delays or intent to not pay. Multiple emails and multiple platitudes but we are still not reimbursed over a... Read More

O
otto S

9/19/2022
I am very fair and very honest, I have to 3 policies. Well as of 9/12/22 I've cancel my policies on my 2 dogs. My experience with this company has been less than 1 star or should I say stone. Horrendous is a lower case. My dog had to be seen by a Vet for a MINOR illness -they denied my vet visit which they claim "Vet visits are not covered" I appeal they're answer and was still denied coverage after paying over$130 a month for (1 year of payments of $130) just ONE dog because of her age. MY point: What's the point on having Pet Insurance if this company denies Vet Visits or see it as additional coverage? If a pet owner gets pet insurance is for the same damn reason to be able to take... Read More

kaw29183

6/30/2022
They hide behind "preexisting condition" to not pay benefits. My dog had a huge lipoma on the side of his chest, the size of a softball, that ballooned out and had to have surgery. He's 11. Because during an annual exam years ago they noted a couple of small lumps on the other side of his front chest that never needed treatment, no coverage because of a preexisting condition. What a bunch of bs (sorry). DO NOT PURCHASE INSURANCE FROM THEM. Also, took forever to process the claim. Too bad I had to give them 1 star.

K
Karen

5/6/2022
I've read the reviews and I understand exactly what everyone is talking about. I've been put off by their process, the not-paying-for exams clause (even the pre-surgical consultation), their app, the personal info they request in order to reimburse and right now by their review process. But I've managed to work through all of it by reframing it, etc. Right now, I'm in review for a $3000+ surgical bill. Pretty straight forward claim, all the details were provided and support the claim. Yet the reviewer, someone new to our case, even though we've been dealing with this same medical issue for about 6 weeks and have had several related claims reviewed and reimbursed, sent me an email asking... Read More

D
dalia T

12/1/2021
I would recommend anyone looking for an insurance for their loving pet to look somewhere else, there are other pet insurance that are clearer with what they cover and less sketchy. I paid lemonade for almost a year for my 2 dogs and I regret deeply have given my money to them after all. They claimed to cover accidents which is why I care the most about having a pet insurance, Sadly when it happened they told me they don't cover the accident exams. So what are they covering? It is ridiculous. They gave me some specific words in their policy where it says they don't cover it, but in another section there are other words where it says they cover it and when I asked about that and why they... Read More

Our Partner
  • Preventative Care Plans Starting at $10/Mo.
  • Visit Any Licensed Vet in the US
  • No Waiting Period for Accidents
  • Coverage for Recurring Conditions*
    *Not available in all states. 
VIEW RATES

Related to Pet Insurance

Top Articles
Suggested Comparisons