Overview

Shopping around for pet insurance and not sure which one to go with? Lemonade Pet Insurance provides tech-driven, simple, jargon-free policies accessible through their smartphone app. Customers love this provider for its low monthly premiums, customizable packages, and famous super-fast, hassle-free claims payment. You can pay for emergency medical coverage for your dog or cat as well as purchase optional coverage for wellness and routine exams to keep your pet healthy.

Lemonade offers a live chat with medical professionals via their app, so you can talk to a vet whenever you have any questions or concerns. Procedures related to accidents and illnesses are covered by Lemonade and they also offer comprehensive preventative care as well.

In business since 2015, Lemonade provides a range of insurance products, including rental, homeowners, condo, and pet insurance. The pet insurance policies start at a very low rate of $10 per month. Those who have homeowners insurance with Lemonade also receive an additional 10% discount on pet insurance.

Lemonade has fairly comprehensive coverage, but keep in mind that you’ll need to pay extra to cover routine vet bills, such as vaccines, which is standard practice in the industry. Policies also exclude microchipping, behavioral treatment, end-of-life expenses, as well as very old pets.

Lemonade is America's top-rated insurance and has high ratings on app marketplaces and consumer rating sites. They have also been mentioned in Fortune, The Wall Street Journal, Forbes, and The Economist. Lemonade pet insurance already has a solid reputation among consumers. But does this option make it the right choice for you and your pet? Find out in this Lemonade pet insurance review to find out what real customers have to say.

Community Involvement

Many people debate the point of purchasing pet insurance. After all, monthly premiums can get expensive. Plus, if your pet doesn’t have any health issues, you could end up paying a lot upfront and never really receive anything for your money.

Lemonade Pet Insurance takes a different approach with its Giveback feature. They don’t aim to make a profit off of unused premium payments. If you do not use all the money you pay into your insurance by filing claims, Lemonade donates the leftover money to a charity you pick when you sign up. This aligns with their mission that they are there to help their customers while also making the world a better place. Charities within their network include The Humane Society and other animal-related programs.

Policies

Lemonade pet insurance coverage includes:

• 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
• Accidents: Unexpected events such as road accidents or poisonings that result in injury, sickness, broken bones, and sprains
• Illness: Vomiting, diarrhea, infections, cancer, heart disease, diabetes, allergies, arthritis, skin conditions, elbow & hip dysplasia, hernias, blood, and eye disorders

The basic plan includes emergency treatments for illnesses, medications, and procedures. You can also purchase the optional wellness package to cover routine vet care such as:

• Wellness exam
• Heartworm test
• Fecal tests
• Bloodwork
• Vaccines (Includes up to 3 vaccines such as Rabies, DHLPP, and Bordetella)

You can handle claims and all account information from their app, available for iOS and Android devices. In most cases, you’ll just need to provide the vet invoice to process the claim. Waiting periods (after enrollment) for injuries are 2 days and 14 days for illnesses.

Limitations

Coverage does not include services like microchipping, behavioral treatment, and end-of-life expenses. Like other pet insurance providers, the company does not cover curable pre-existing conditions. Make sure to have your dog or cat receive a wellness exam prior to signing up so you know what is covered.

Lemonade does not have a maximum enrollment age, but certain breeds (especially large dogs) may be denied if they’re too old at signup, which is common practice in the pet insurance industry.

Keep in mind that Lemonade is available in almost all major markets, but is not available in all 50 states. Their coverage includes Alabama, Arizona, Arkansas, California, Connecticut, District of Columbia, Georgia, Illinois, Indiana, Iowa, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, and Wisconsin. If you don’t see your state, check back with Lemonade, as they will add new coverage areas soon.

Cost

For a free quote, visit the Lemonade website. Lemonade pet insurance requires a minimum $10 monthly premium. You also benefit from a 10% discount if you also insure your home through Lemonade. Monthly premiums depend on factors such as your reimbursement level, deductible, and max annual payout.

Costs increase according to your pet’s age, typically averaging around $25 - $50. Policy annual payouts range between $5,000 up to $100,000. Wellness visits can be covered with a preventative package, the amount depends on a policy’s co-insurance percentage.

Sample Coverage for a 2-year-old dog

• $22.33 a month (no wellness coverage)
• 80% Reimbursement
• $100 deductible
• Max annual payout of $20,000

Customer Support

Lemonade is able to handle a large portion of support using their chatbot, Maya, but if you have any questions, you can always reach Lemonade's award-winning support by filling in an online contact form through the website or phone number. To handle claims, you can submit everything through their mobile app. Stay up to date by following Lemonade on their social media pages. The insurer has active accounts on Facebook, Twitter, YouTube, and Instagram.

When you upgrade to the Wellness Package add-on, you also benefit from exam reminders. In addition, you get access to vets, available for online consultations via live chat.

So what do real customers have to say in their review of Lemonade pet insurance?

Had an awesome experience within the last 12 months with @Lemonade_Inc. Had an awesome adjuster for a home insurance claim, renewed at a reasonable price AND just purchased a new Pet policy. Just love these guys on how simple they make life.

Wow, just got insurance with @Lemonade_Inc and it was super easy - took 10-15m. Strong customer service and cute UI.

Not all the Lemonade reviews are perfect, however. You may come across customer complaints, including issues with claims and difficulty reaching customer support. In addition, Lemonade is a relative newcomer to the pet insurance industry, which may convince customers to go for a different company.