Overview

Lemonade does pet insurance a little differently. Its big selling point is speed. It claims you can get your pet insured in seconds and your claims reviewed and paid in minutes. In fact, it says its AI software approves 30% of all claims within three minutes. It offers accident and illness cover with add-ons, including a ‘preventative and wellness’ plan. Lemonade is also a public benefit corporation, which means that some of its profits go to meaningful causes, including animal welfare organizations.

Table of contents

Our Lemonade rating

Overall score

4.8
star star star star star

Speed of claims

5.0
star star star star star

Customer service

5.0
star star star star star

Claims procedure

5.0
star star star star star

Easy to understand

4.0
star star star star star

Value for money

5.0
star star star star star

Pros & Cons of Lemonade pet insurance

  • Excellent coverage
  • Rapid claim repayments
  • Helpful for dog owners
  • Great value prices
  • Fantastic customer service
  • Only in 38 states
  • Vet exam fees excluded as standard
  • No vet telehealth included
  • Dental illnesses aren't covered

How does Lemonade pet insurance work?

Lemonade is mostly app-based. Once you’re signed up, you can access your account and make claims on your phone. It pays for your pet’s treatment minus the deductible and co-insurance on your policy.

The benefits of Lemonade pet insurance

The biggest benefit is probably its usability. The app is simple and smooth and in your pocket. The two-day wait for accidents to be covered is also quicker than a lot of insurance companies. And you know that you’re helping animal charities by getting cover through Lemonade.

Lemonade plans explained

Lemonade offers an accident and illness policy, but you can customize these with add-ons like a preventative and wellness plan, which covers treatments like wellness exams and vaccines that help prevent medical problems.

What does Lemonade pet insurance cover?

It’s a real worry when your pet gets sick. But with plenty of reimbursement options available, pet insurance can help cover up to 100% of veterinary costs for new accidents and illnesses – plus much more.
  • Accidents
  • Illnesses
  • Cancer
  • Surgery
  • Chronic illnesses
  • X-rays, CT scans & MRIs
  • Medication
  • Follow up care
  • Allergies
  • Diagnostic tests
  • Emergency care
  • Congenital conditions
  • End-of-life cover
  • Routine wellness (add-on)

Lemonade coverage vs. other insurers

How does Lemonade stack up against America’s other providers? Have a look in our handy table!
Scroll to compare
LemonadeManyPetsEmbraceFigoHealthyPetsASPCASpotTrupanionFetchPumpkinWagmoNationwideMetLife
Annual coverage options$5000, $10,000, $20,000, $50,000, $100,000Unlimited$5,000, $8,000, $10,000, $15,000, $30,000$5,000, $10,000, Unlimited Unlimited$5,000, Unlimited $3,000, $4,000, $5,000, $7,000, $10,000$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, Unlimited Unlimited $5,000, $10,000, $15,000$10,000, $20,000, Unlimited $20,000$10,000$2,000, $5,000, $10,000
Deductible options$100, $250, $500$100, $250, $500, $750$200, $300, $500, $750, $1,000$250, $500, $750, $1,000$100, $250, $500, $750, $1,000$50, $100, $200, $250, $500, $1,000$100, $250, $500$100, $250, $500, $750, $1,000$0-$1,000$300, $500, $700$100, $250, $500$250, $500, $1,000$250$50, $100, $250, $500
Reimbursement options70%, 80%, 90%70%, 80%, 90%70%, 80%, 90%70%, 80%, 90%, 100%70%, 80%, 90%70%, 80%, 90%70%, 80%, 90%70%, 80%, 90%90%70%, 80%, 90%90%90%, 100%50%, 70%70%, 80%, 90%
When does coverage start?2-14 days15 days2-14 days 1-14 days15 days3-14 days 15 days15 days 5-30 days15 days14 days 15 days14 days1-14 days
Maximum age at sign up14 years14 years14 years for illness, no max for accidentNo maximum13 yearsNo maximum18 yearsNo maximum 14 yearsNo maximum No maximum 16 years20 yearsNo maximum
Are vet exam fees included at no extra cost?
Are dental accidents covered?
Are dental illnesses covered?
Is there a wellness plan offered?
Is there a virtual vet/telehealth service?
End of life coverage
Is there a multi-pet discount offered?
Is there a charge for paying monthly?
Is there an app to make claims?

*Coverage is based on choosing unlimited coverage, $250 deductible and 90% reimbursement

Is Lemonade good value for money?

According to our sample of reviews, people generally seem very happy with Lemonade’s value for money. Many point out that premiums are very competitive with similar products from other providers.
4-month-old
 Mixed Breed Medium 2-year-old 
Golden Retriever 6-year-old Domestic Shorthair Cat
Los Angeles New York Florida
Lemonade $36.67/month $47.59/month $19.58/month
Wagmo $34.42/month $58.95/month $36.00/month
Spot $47.09/month $66.09/month $28.23/month
Pets Best $34.57/month $38.21/month $17.53/month

How good is Lemonade’s customer service?

Lemonade’s customer service seems to have a good reputation among our reviewers, many of whom mention quick and friendly response times from the chat function on the app.

How do I contact Lemonade?

Lemonade’s general email is help@lemonade.com. You can also message them through the app, by clicking on the Help button on its website, or via social media. Its Twitter, Instagram and Facebook accounts can all be messaged directly.

What is Lemonade’s claims process?

Claims are made via the Lemonade app. We’ve found the process to be pretty simple and intuitive. You enter your bank details and they pay for the treatment, minus your deductible and co-insurance.

How much will Lemonade pay for my claim?

Lemonade pays the vet bill for your pet’s treatment minus the deductible and co-insurance on your policy. Here are some examples.
Average Vet Bill Cash back w/ 70% Cash back w/ 90% Difference w/ 70%
Cancer $8,280 $5,796 $7,452 $1,656
Leg Fracture $5,752 $4,026 $5,177 $1,151
Swallowed Object $3,458 $2,421 $3,112 $691
Gum Disease $1,942 $1,359 $1,748 $389

Are there any exclusions?

It’s rare for any insurance to have no exclusions and Lemonade’s list is pretty standard: pre-existing conditions, bilateral conditions, things that aren’t accidents or illnesses, experimental treatments, and anything that occurs before the waiting period is up. Vet exam fees aren’t covered by the standard plan but can be included with add-ons.

What are the waiting periods for conditions?

Two days for accidents – that’s very fast – 14 days for illnesses, and six months for cruciate ligament events. The benefits of the preventative package kick in the day after you buy your policy, which is something our reviewers like a lot.

How quickly does Lemonade pay claims?

If the AI approves your claim, Lemonade says it will pay out within three minutes, which is market-leading. It says that this accounts for around 30% of claims. However, it makes no promises when it comes to the other 70%. According to reviews, it takes a lot longer than three minutes but we’ve seen very few unhappy customers when it comes to getting paid.

Can I customize my Lemonade plan?

Yes, Lemonade has a couple of add-ons. You can opt for the Extended Accident and Illness package which covers vet visit fees and treatments for things such as physical therapy, hydrotherapy and acupuncture. The Preventative and Wellness package covers costs like annual wellness exams, vaccines, routine dental cleaning, blood tests, parasite and heartworm testing, flea, tick and heartworm medications. You can also chat with Lemonade’s pet health experts.

State availability for Lemonade

Lemonade currently covers pets in 36 states, but you can take your pet to any vet in the US, as long as they’re licensed in the state where they operate.

Verdict: Is Lemonade pet insurance good?

No pet insurance is perfect and different plans suit different people. Lemonade certainly wins points for its ease of use – the app is rated highly by users – and cost. The choice of coverage is limited, but this is seen as both a pro and a con depending on your point of view. In short, while Lemonade is very good and premiums are comparatively low, it’s less comprehensive than some others.

Our Lemonade rating

Overall score

4.8
star star star star star

Speed of claims

5.0
star star star star star

Customer service

5.0
star star star star star

Claims procedure

5.0
star star star star star

Easy to understand

4.0
star star star star star

Value for money

5.0
star star star star star

Helen Kinsella

Contributor

As a crucial member of the Petted content team, Helen is a fountain of knowledge about all things pet and pet insurance! She is also pet parent to an adorable, smooth-haired mini dachshund called Rufus.