Lemonade Pet Insurance Review
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
- How does Lemonade pet insurance work?
- The benefits of Lemonade pet insurance
- Lemonade plans explained
- What does Lemonade pet insurance cover?
- Lemonade coverage vs. other insurers
- Is Lemonade good value for money?
- How good is Lemonade’s customer service?
- How do I contact Lemonade?
- What is Lemonade’s claims process?
- How much will Lemonade pay for my claim?
- Are there any exclusions?
- What are the waiting periods for conditions?
- How quickly does Lemonade pay claims?
- Can I customize my Lemonade plan?
- State availability for Lemonade
- Verdict: Is Lemonade pet insurance good?
Our Lemonade rating
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 insuranceThe 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 explainedLemonade 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.
- Chronic illnesses
- X-rays, CT scans & MRIs
- Follow up care
- Diagnostic tests
- Emergency care
- Congenital conditions
- End-of-life cover
- Routine wellness (add-on)
Lemonade coverage vs. other insurersHow does Lemonade stack up against America’s other providers? Have a look in our handy table!
|Annual coverage options||$5000, $10,000, $20,000+||$10,000, $30,000+||$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, Unlmited||$10,000, $20,000, Unlimited||$20,000||$10,000, Unlimited|
|Deductible options||$100, $200, $500||$100, $200, $500||$200, $300, $500, $750, $1,000||$100, $250, $500, $750||$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|
|Reimbursement options||70%, 80%, 90%||70%, 80%, 90%||70%, 80%, 90%||70%, 80%, 90%, 100%||50%, 60%, 70%, 80%, 90%||70%, 80%, 90%||70%, 80%, 90%||70%, 80%, 90%||50%, 90%||70%, 80%, 90%||90%||90%, 100%||50%, 70%, 90%|
|When does coverage start?||Immediate||2 weeks||2 weeks||2 weeks||15 days||14 days||15 days||14 days||5 days||15 days||14 days||15 days||14 days|
|Maximum age at sign up||14 years||12 years||14||No Maximum||14||No Maximum||No Maximum||No Maximum||14||No maximum||No Maximum||14 years||10 years|
|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|
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 email@example.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%|
|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|