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Lemonade Summary
Lemonade says they are the fastest claims payment, and considering they offer hassle-free digital pet insurance run by AI, we agree. Lemonade helps cover the costs of treatments your pets need for accidents and illnesses and is actually affordable.
Lemonade Pros & Cons
Pros
Affordable premiums
Fast and easy-to-use app
Policy bundling discount
Cons
Pre-existing conditions and most dental not covered
Not available in all states
Lemonade at a glance
9.6
Editorial scoreOnline experience
Excellent site with mobile optimization, learning resources, and live chat
10.0
Customizable rates and services
Customizable plans and rates, 50-90% reimbursement
10.0
Claims payout waiting period
No waiting period for accidents. 14 days for illnesses. 30 days for orthopedic conditions (waiting periods may vary depending on where you live)
10.0
Customer support
Connect with Lemonade customer support on the app, via email, or on the phone. Chewy's connect with a vet service available for all Lemonade Pet customers
10.0
Bundles
Multiple bundles available
8.0
What Does it Cover
A basic Lemonade policy will cover these costs:
Diagnostics: Blood tests, urinalysis, x-rays, MRIs, lab work, CT scans, and ultrasounds
Procedures: Outpatient, specialty and emergency care, hospitalization, and surgery
Medication: Injections and prescription meds
You can also add on one of Lemonade’s Preventative Care plans for an additional monthly cost.
The Routine Vet Care add-on plan covers:
Annual wellness exam
Up to 3 vaccines
Annual heartworm and parasite test
Annual blood work
The Routine Vet Care Plus add on plan covers:
Annual wellness exam
Up to 3 vaccines
Annual heartworm and parasite test
Annual blood work
Routine dental cleaning
The Routine Vet Care add-on for puppies and kittens covers:
2 wellness exams
2 fecal or internal parasite tests
1 bloodwork
Up to 6 vaccines
1 heartworm or FeLV/FIV test
Flea/tick or heartworm medication
Spay/neuter procedure
Microchipping
Additionally, Lemonade gives you the options to choose accident and illness add-ons that can cover fees associated with the following:
Vet visits
Dental illness
Therapies and treatments for behavioral conditions,
Physical therapy treatments, such as chiropractic care
End Of Life Coverage to cover costs related to vet-recommended euthanasia, cremation, and memorial items.
Pet owners can choose both add-on insurances or select which one they prefer.
These add-ons come with additional charges, but in many cases, a Lemonade policy with these add-ons can end up cheaper than many competitors' basic policies.
Insurance Plans & Pricing
Pricing varies on location, pet, and deductible amount. Pet owners can opt for 70%, 80%, or 90% coverage with an annual deductible of $100, $250, $500,or $750 and an annual limit anywhere from $5,000-$100,000. Choosing different coverage options will change your monthly price, but it’s entirely customizable, with flexibility to continue to customize coverage mid-term.
Here are a few examples of coverage costs:
Four-year-old dachshund from Los Angeles, Calif. could cost $32.67 per month with 80% coverage, $20,000 max coverage, and an annual deductible of $250.
One-year-old mixed breed cat from New York, New York could cost $10 per month with 70% coverage, $20,000 max coverage, and a $500 deductible.
Two-month-old medium mixed breed puppy from Raleigh, North Carolina, could cost $24.33 per month for 90% coverage, $100,000 max coverage, and a $100 deductible.
What is Not Covered
Lemonade does not cover animals younger than two months. Pre-existing conditions and illnesses are also not covered. Pet owners will not be covered in these events either:
Elective surgery
Alternative and experimental treatments
RX food
Orthodontics
Breeds that are domestic/wild hybrids
Waiting Periods
Depending on where you live, your policy could have different waiting periods. Here are a few different waiting periods your policy may include:
14 days for illnesses
30 days for orthopedic conditions
No waiting period for preventative care or accidents**
6 months for cruciate ligament events (a common knee injury for dogs, similar to a human tearing their ACL)
**For now, this waiting period applies to the following states: Arkansas, Wisconsin, Colorado, Pennsylvania, New Jersey, New York, Rhode Island, Massachusetts, Virginia, Illinois, Texas, New Mexico, Iowa, Tennessee, Georgia, Alabama, Connecticut, South Carolina, Maryland, Indiana, Ohio, Washington, Nebraska, New Hampshire, Mississippi, Washington, D.C., Utah.
For other states, there is a 2-day waiting period for accidents.
Coverage Limits
Pet owners can choose their coverage limits from $5,000 to $100,000. Usually, the difference in coverage limits only costs pet owners an extra dollar or two per month, so be sure to select different scenarios Lemonade’s automatic claims quote to find the right coverage and price for your pet.
Reimbursement and deductibles
Lemonade allows pet parents to choose between a 70, 80, or 90% reimbursement rate and an annual deductible of $100 to $750. The deductible is what you must first pay for insurance coverage to kick in.
For example, if you have an 80% reimbursement rate and $250 deductible for your two-month-old puppy and they swallow a toy, your vet might charge $5,000 to remove it. With Lemonade, you will pay $1,250, and insurance will cover $3,750. If another incident or vet visit happens within that year, you will not have to pay your deductible again.
Claims and Service
All Lemonade claims are made through their app. Once you sign-in to the app, just file a quick claim. Lemonade makes the claim process quick and simple, and many times claims are reimbursed the same day. Lemonade must connect with your bank account to send you your reimbursement.
What You Might Like
Pet owners will love that Lemonade has a minimal waiting period for accidents and illnesses. Coverage is also very affordable for most young pets, and there is a multi-pet discount of up to 10% available for eligible policyholders. The fast claim filing process is easily done through the Lemonade app, so you can possibly get reimbursed even before you leave the vet’s office. Additionally, they are one of the more flexible options, offering most customers the ability to reduce coverage mid-term.
What Lemonade Could do Better
While Lemonade is an excellent pet insurance option, they are not as widely available as some other options yet.
Contact Details and Address
To contact Lemonade, use the company’s website AI chat or talk to a representative through the app. Additionally, here is Lemonade’s phone number and support email address:
Phone: (844) 733-8666
Email: help@lemonade.com
Bottom Line
For pet insurance that is streamlined and flexible, Lemonade offers great premium prices for young and healthy pets.
Methodology
This review was gathered through researching Lemonade’s website and gathering quotes from possible pet scenarios. The reviewer also took into account the information and reviews left on BBB and Trustpilot about Lemonade.
How do I know I can trust this review?
Our editors are serious about research - we combine our own experience with the services we recommend with reviews that come from verified users–just like you! Together with reviews from industry experts to ensure you choose with confidence and ease.
Written byAnna Baluch
Anna Baluch is an insurance and finance expert at BestMoney.com. She has written for Forbes, Newsweek, Credit Karma, CNN, and many other top publications.