Lemonade Logo - Lemonade Review

Cost (cats):


from $10/month

Cost (dogs):


from $10/month

Reimbursement rates:





36 states in the USA

Editorial Rating

Lemonade Pet Insurance Review

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Cost (cats):


from $10/month

Cost (dogs):


from $10/month

Reimbursement rates:





36 states in the USA

Mobile app:


Android and iOS

Customer service:



Waiting periods:


2 days for accidents ,14 days for illnesses including hip dysplasia, 6 months for cruciate ligament events

Annual deductible:


$100, $250, or $500

Lemonade Logo - Lemonade Review

Editorial Rating

Lemonade was founded in 2015 and has been causing a stir on the market as a new form of insurance based on artificial intelligence, behavioral economics, and social good. Dubbed insurance for the 21st century because of the digital, hassle-free experience it offers, the company ventured into the pet health insurance business in 2020.

Keep reading our detailed Lemonade pet insurance review to find out what the hype is all about.

How Does Lemonade Insurance Work

Lemonade works pretty similar to other pet health insurance companies. Yet, there are certain specifics worth noting.


The pet enrollment process is pretty simple and completely digital. You can do it through Lemonade’s website or mobile app, available for both Android and iOS.

Once you have done this, you will meet the personal assistant Maya, an AI-powered Lemonade chatbot. Maya will ask you a few simple questions to get the general information about you and your pet, like type (cat or dog), breed, age, weight, location, etc.

After providing these details, you can proceed to create your highly customizable plan. You can select the level of coverage, add-ons, annual deductible, and limit.

The next step is to select the Giveback recipient. Unlike other providers, each year Lemonade donates the money that isn’t used to payout claims and lets you choose which non-profit you would like to support.

Waiting period

While enrolling your pet might seem easy, remember that your Lemonade policy doesn’t start as soon as you activate it. There are waiting periods before you can submit a claim:

  • 2 days for accidents
  • 14 days for illnesses
  • 6 months for cruciate ligament events

The company won’t cover any bill dated before the end of the waiting periods.

Submitting claims and reimbursement

While you can purchase your policy on its website, you can only submit a claim through the mobile app. The claims process is very fast. As a matter of fact, one-third of the claims processed and assessed by the AI are immediately approved and paid out within seconds. Of course, while filing a claim, you will have to fill out a form, submit copies of invoices, and paid receipts from the vet. Also, a real person reviews the claims that the AI doesn’t approve. So no initial refusal is actually final.

Lemonade follows the industry standard when it comes to reimbursement rates: 70-90%. And deductibles are between $100 and $500.

What Does Lemonade Insurance Cover?

Lemonade Pet insurance offers one base accident and illness coverage plan. This is considered standard for the industry, although some companies provide a low-cost accidents-only option.

Lemonade reimburses for the below care items in case of an accident of illness:


  • Outpatient, specialty, and emergency care
  • Hospitalization
  • Surgery


  • Bloodwork
  • Lab tests
  • CT scans
  • Ultrasounds
  • X-rays and MRIs


  • Injections
  • Prescription meds

Also, as an add-on, you have the Lemonade Pet’s preventative care plans, which covers routine care and vaccinations. They also offer a preventative care package for puppies and kittens (under 2 years old), which covers things like spaying or neutering and microchipping. For adult pets, the Preventative+ package includes routine dental cleaning, flea/tick or heartworm medication.

The Vet Visit Fee and Physical Therapy add-ons can also cut your vet expenses.

Like most insurers, Lemonade Pet doesn’t cover pre-existing conditions and prescription diets, even with the add-ons. There is no coverage for end-of-life expenses, either. Yet, these are typical exclusions from pet insurance plans.

How Much Does Lemonade Pet Insurance Cost?

The Lemonade pricing is actually very impressive, starting at $10 per month. Lemonade manages to offer such competitive rates by automating the claims process. Remember Maya we mentioned above?

The following six things will affect how much you pay for your policy:

  • Age — Older pets get higher rates.
  • Breed — Some breeds are healthier than others.
  • Location — The average vet costs vary by area.
  • Annual coverage limit — You can choose between the following limits: $5,000, $10,000, $20,000, $50,000, $100,000.
  • Annual deductible — The available options are: $100, $250, $500. 6.
  • Reimbursement level (co-insurance) — It ranges between 70% and 90%.

Lemonade Pet Insurance Customer Service

Support is available 24/7, and response time is pretty fast, especially if you use the app.

Lemonade Pet Insurance User Reviews

Since it entered the pet health insurance market, Lemonade has become somewhat of a crowd favorite. Be it because of its affordable prices or the hassle-free, fully digital approach, customers seem to love it.

It has a very high rating on Trustpilot, as well as on Consumer Affairs. However, Better Business Bureau has given Lemonade a C rating. But considering the mainly positive reviews on the platform, the lower rating could be attributed to complaints related to other insurance services offered by the company, namely renter and homeowner policies.

Overall, Lemonade Pet  reviews are mainly positive, with only a few complaints.

Lemonade Pet Insurance Alternatives

Now, let’s see how Lemonade Pet health insurance stacks up against the competition.

Lemonade Pet Insurance vs Trupanion

Trupanion starts at a $0 deductible and covers a wide range of issues. Additionally, it pays the vet directly, there are no annual limits for payouts, and there is coverage for pets traveling in the USA, Canada, and Puerto Rico. It has an annual, per-condition deductible, unlike its competitors.

Unfortunately, unlike Lemonade, Trupanion offers no multiple pet discount. Also, it has a 30-day waiting period for illnesses and an enrollment fee of $35.

Lemonade Pet Insurance vs Healthy Paws

Healthy Paws has age restrictions for pets, annual deductibles, and premiums increasing along with the pet’s age. Lemonade doesn’t cover pre-existing conditions, and neither does Healthy Paws.

The waiting period at Healthy Paws is 15 days and 12 months for hip dysplasia. Also, the company charges a one-time admin fee. But one thing Healthy Paws stands out with is the no maximum annual or lifetime payout.

Figo vs Lemonade Pet Insurance

The main thing that distinguishes Figo pet insurance from other providers is that there is no upper age limit for pets, which is similar to Lemonade’s approach. It also has a 30-day money-back guarantee and 24/7 virtual vet visits available.

On the downside, unlike Lemonade, Figo charges administrative fees.

Wrap Up

Customers love it, with one Lemonade Pet insurance review stating that they have truly felt the difference in how much this company cares. At the same time, another is simply ecstatic about the very low prices. This novel AI-powered approach, combined with the consistent donation to charities, has made Lemonade a favorite among pawrents.

The fact that Lemonade has entered the pet health insurance market on such a high note should be cause for concern with other competitors. It has found a way to keep prices low by automating the claim approval process, while still managing to satisfy customers and get positive reviews.


  • Fast processing time
  • Very affordable
  • Highly customizable coverage
  • 5% multiple-pet discount
  • User-friendly app interface


  • No accidents-only policy option
  • Available only in 36 states
Lemonade Logo - Lemonade Review

Editorial Rating


Is Lemonade pet insurance accepted everywhere?

No. Lemonade Insurance is only available in the 36 states. These are Alabama, Arizona, Arkansas, California, Colorado, Connecticut, 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, Washington, Wisconsin and Washington D.C.

Does Lemonade pet insurance cover neutering?

Yes. Lemonade covers neutering as part of its Puppy/Kitten Preventative package add-on.

Does Lemonade Pet Insurance pay the vet directly?

Yes. Lemonade can work directly with the vet. It can also work with the reimbursement method where you pay the bill and receive a refund.

Does Lemonade pet insurance increase with age?

Yes. As many other providers do, Lemonade also increases the premium as the pet’s age progresses.

Is Lemonade pet insurance good?

Almost every Lemonade Pet insurance review left by customers is positive. It has very high scores on Trustpilot, Consumer Affairs, and its mobile app. Whether it’s the right choice for you is something to look into in detail and decide based on your needs.