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Lemonade Pet Insurance

16 Customer Comments & Reviews - see all comments
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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.
 
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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

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16 Customer Comments & Reviews

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dougstimpy2021

10/9/2021
Wanted my personal Info to get quote then told me they could not insure my Pet. Smells like a Scam.

U
UnhappyCustomer

8/31/2021
If I would have known about the crazy claims process, and then at the end of it all, the only method to be reimbursed...Is that you want my Bank Info, and social security number....seriously??? Big mistake

kurt.thomas0225

8/27/2021
We had them for 6mth dog tore his ACL its not covered. They are a scam DO NOT buy their insurance they are garbage.. won't cover .. SCAM lemonaid is a joke

paul

8/17/2021
Prices are fair, however to file a claim one must go through the craziest process. Reason I’m going to another company and paying more —the hassle of filing a claim.

Ben S

3/8/2021
how do I cancel a lemonaide pet policy covering two pets;I think the claim process is crazy.

D
Daniel G

12/18/2020
The claim process is a complete joke -- they make you enter each line item of the vet bill manually through a mobile-phone based chat system. For a new company that's trying to "re-imagine" insurance it's hard to believe they'd create such a cumbersome system. Total fail and not worth the money.

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. 
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