Our Review Process

Our evaluations are primarily based on intensive analysis and, when potential, hands-on testing. Each time you make a purchase order by means of considered one of our independently-chosen hyperlinks, we’ll obtain a share of the proceeds. Read extra about how we’re supported right here.

We’ve rated Lemonade pet insurance coverage on value, protection, coverage choices, ready durations, buyer help, and extra. Read our Lemonade pet insurance coverage assessment to see how this firm stacks up.

The We’re All About Cats Standard – Rating Lemonade Pet Insurance On What Matters

We’ve rated the model on six key standards for high quality. Here’s the way it charges in every of those six essential areas.

Ratings

  • Price– 8/10
  • Coverage– 9/10
  • Policy Options– 9/10
  • Waiting Periods– 10/10
  • Customer Support– 7/10

Overall Score: 8.6/10

In complete, we give Lemonade pet insurance coverage a 43 out of fifty ranking or 8.6 out of 10.

Pros Of Lemonade Pet Insurance:

  • Fast claims processing by means of the Lemonade cell app
  • Customizable protection with preventive and wellness add-ons out there
  • Discounts out there for multi-policy pet dad and mom
  • Short 2-day ready interval for accidents and 14 days for diseases
  • Annual protection restrict as much as $100,000 out there

Cons Of Lemonade Pet Insurance:

  • Customer service is barely out there by app or electronic mail
  • Alternative therapies aren’t included in customary protection
  • Coverage isn’t out there in 16 states
  • Dental diseases aren’t lined in pets underneath 2 years

About Lemonade Pet Insurance

Lemonade is a full-stack insurance coverage provider that provides protection for owners, renters, drivers, and pet house owners. They additionally provide life insurance coverage to clients within the United States and Europe.

What makes Lemonade totally different from different pet insurance coverage firms is that they’re absolutely licensed and controlled. This means they underwrite, value, and promote their very own insurance policies along with dealing with and paying out claims. Lemonade additionally claims to donate unused premiums on the finish of every yr to nonprofits their clients select.

Lemonade describes themselves as “powered by AI.” Their insurance policies are solely out there on-line and claims have to be submitted by means of the Lemonade cell app. According to Lemonade, this ensures a “hassle-free digital experience” with “lightning-fast claims payment.”

Coverage And Pricing

Signing up for Lemonade pet insurance coverage is an easy, easy course of. You merely go to the Lemonade web site and supply some primary details about your cat in addition to your contact info. Lemonade collects particulars about your pet’s age, breed, intercourse, and well being historical past to customise your plan and supply an correct quote.

Standard Lemonade pet medical health insurance plans cowl diagnostics, procedures, and drugs for lined accidents and sickness. You should buy supplemental protection for vet go to charges, various medication, and preventive take care of a further month-to-month value.

Here’s a fast overview of what customary Lemonade pet insurance coverage covers:

  • Bloodwork, urinalysis, and lab work
  • X-rays, MRIs, CT scans, and ultrasounds
  • Outpatient, specialty, and emergency care
  • Hospitalization and surgical procedure
  • Injections and prescription drugs

The customary Lemonade pet insurance coverage plan is quoted with an 80% reimbursement fee, a $250 annual deductible, and a $20,000 annual protection restrict.

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You can customise your Lemonade pet insurance coverage coverage to suit your funds. Choose from three reimbursement charges (70%, 80%, or 90%) and three annual deductibles ($100, $250, or $500). Lemonade affords an annual restrict on claims between $5,000 and $100,000.

Monthly Lemonade pet insurance coverage range in value relying in your cat’s age and well being standing in addition to your location. Monthly premiums begin round $12 however can method $50 per 30 days in sure states with expanded protection choices chosen.

To assist make their plans much more reasonably priced, Lemonade affords reductions for a number of pets and for paying your premium yearly.

What About Exclusions And Waiting Periods?

Generally talking, Lemonade’s customary pet insurance coverage insurance policies are pretty beneficiant. You don’t must buy separate accidents and sickness protection, and so they cowl diagnostics, procedures, and drugs for eligible occasions.

As is true for a lot of pet insurance coverage firms, Lemonade doesn’t cowl vet examination charges of their customary plan (however there’s an possibility for an add-on for round $4 per 30 days). Outpatient, specialty, and emergency care are lined. Neither does Lemonade cowl various remedies like acupuncture, bodily remedy, or chiropractic care until you add it to your coverage for a number of {dollars} a month.

Lemonade is like most pet insurance coverage in that additionally they don’t cowl preventive care of their customary plan. This consists of issues like annual wellness exams, vaccines, and lab work. You can, nonetheless, add protection for a further month-to-month value.

This firm doesn’t cowl dental procedures (until it’s associated to an damage), although you may add routine dental cleanings with their Preventive+ package deal. Neither do they cowl spaying and neutering procedures in pets over 2 years outdated.

Waiting Periods

Pet insurance coverage suppliers take steps to forestall fraud by ensuring pet house owners can’t buy a coverage realizing their pet wants therapy. Most firms require pet house owners to finish a ready interval after the coverage efficient date earlier than they’ll submit a declare.

Lemonade solely requires a ready interval of two days for accidents and a 14-day ready interval for diseases. As is true for many pet insurance coverage firms, they require an extended 6-month ready interval for orthopedic (cruciate ligaments) accidents.

Pre-Existing Conditions

No pet insurance coverage firm covers pre-existing circumstances, although some firms take into account sure circumstances curable and can present protection after a sure time interval.

Here’s how Lemonade defines pre-existing circumstances:

“A pre-existing condition refers to any kind of illness or health issue your pet developed before your waiting period was up on your insurer. It doesn’t mean pet insurance companies won’t insure your pet, it just means your plan won’t cover costs that directly relate to any ailment they had in their medical history before they signed up for a pet insurance policy.”

Pre-existing circumstances are decided by your cat’s medical report. If you join Lemonade pet insurance coverage, you’ll have to have your vet ship the corporate your pet’s medical data and have him seen by a veterinarian inside 12 months of the coverage’s begin date.

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What Do Customers Think Of Lemonade Pet Insurance?

Lemonade was based in 2015 and at the moment has over 1 million clients, about 70% of that are underneath the age of 35. Their renters’ insurance coverage obtained J.D. Power’s highest ranking in 2020 and the corporate has been positively reviewed by Fortune Magazine, The Wall Street Journal, and Forbes.

Because Lemonade continues to be pretty younger, we didn’t discover a important variety of buyer evaluations on-line. At the time of assessment, Lemonade had 80 buyer scores on Consumer Affairs with a 4.5 out of 5-star ranking total.

Customers report fast claims processing and beneficiant protection, although there are some unfavourable feedback about ready durations and pre-existing situation exclusions. These insurance policies are frequent amongst all pet insurance coverage firms, nonetheless.

Let’s check out what actual Lemonade clients must say about their pet insurance coverage.

Positive Reviews

“Lemonade pet insurance really helped me avoid major financial problems once my cat got unexpectedly sick. Emergency fees and surgery costs were high and I found out that my cat should get the procedure immediately. Everything happened so fast and I found myself using up my savings/credit card to pay the upfront costs. Fortunately, I had some peace of mind because I had Lemonade cat insurance… Overall, the process was very straightforward. I am very thankful for Lemonade’s cat insurance services and their professional, courteous staff who I have had a great pleasure communicating with.” – Nicole of Davis, CA

“When I got Ludo at 8 weeks 1 day in December I had already reached out to Lemonade for insurance. They were very timely and thorough with their responses. They sent me info on exactly what kind of physical they needed. All went very smoothly and I was happy.” – Melody of Norwood, NY

Negative Reviews

“Poor customer service, agent was dismissive, rude and would not answer direct questions. Also, they expect you to jump through hoops to file a simple claim requiring you to upload a video of yourself explaining the claim and submit doctor’s notes, etc. Ridiculous! Canceled today prior to first 30 days and they refused to give me a refund of my $43.00 even though I didn’t use their service.” – Adria of Round Rock, TX

“Lemonade’s “pre-existing conditions” embody gadgets that aren’t thought of to be circumstances… FYI. My 3-month-old pet had some dermatitis (irritation of the pores and skin) on his very first physician’s go to, which was quickly after we adopted him and bought the coverage. We have been requested to keep watch over it. Now they’re saying they received’t cowl ANY dermatitis, which is essentially the most generic subject that might have been written, at any level in his life. They additionally received’t cowl ANYTHING that causes the dermatitis…. which might vary from something together with solar allergy symptoms to eczema to shampoo to a different canine’s saliva, and many others. Any time he has irritation of the pores and skin, we will’t be anticipated to be lined.” – Karen of Austin, TX

Sample Lemonade Pet Insurance Plan

To offer you an concept how a lot Lemonade pet insurance coverage prices, we requested a quote utilizing an 8-year-old, feminine, blended breed cat in Pennsylvania with a historical past of dental points.

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Lemonade calculated a month-to-month premium of $22.42 and provided a $25 low cost for paying yearly. The customary plan got here with an 80% reimbursement fee with a $250 annual deductible and a $20,000 annual claims restrict.

Here’s a rundown of the pricing for this plan:

Standard Coverage
Diagnostics Procedures Medication
Additional Coverage
Vet Visit Fees + $4.25/month
Physical Therapy + $1.41/month
Preventive Care
+ $10/month + $16/month
1 Wellness Exam

1 Fecal or Internal Parasite Test

3 Vaccines

1 Heartworm Test or FeLV/FIV Test

1 Blood Test

1 Wellness Exam

1 Fecal or Internal Parasite Test

3 Vaccines

1 Heartworm Test or FeLV/FIV Test

1 Blood Test

Routine Dental Cleaning

Flea/Tick or Heartworm Medication

Pros And Cons For Lemonade Pet Insurance

Most pet insurance coverage suppliers provide related merchandise however there are a number of particulars that set Lemonade aside.

Enrollment is made straightforward by means of the Lemonade web site and Lemonade app, although some clients dislike that claims can solely be filed digitally and customer support is barely out there by cellphone for emergencies associated to automotive, residence, and property. To file a declare, you’ll have to submit paperwork associated to your vet invoice and report a video of you explaining the declare.

In phrases of pricing, Lemonade makes it straightforward to customise your plan and provide a decrease fee for blended breeds. Instead of itemizing particular blended breeds individually like many firms, they put blended breeds into generic buckets by breed measurement. Unfortunately, they elevate costs for long-haired breeds.

Generally talking, Lemonade’s ready durations are on par with different firms, although the 2-day ready interval for accident protection is shorter than some.

Overall, Is Lemonade Pet Insurance Worth It?

Whether pet insurance coverage is value the price on the whole is a tough query to reply. On the one hand, you’re paying a month-to-month price whether or not or not you employ the service. On the opposite, if you find yourself with an sudden vet invoice you might be reimbursed for a good portion of the price.

If your cat is younger and wholesome, it might not make sense to pay a month-to-month premium for pet insurance coverage. Some pet dad and mom select to place what they’d spend on month-to-month premiums right into a financial savings account in case of emergency. That being mentioned, the price to buy some plans (together with Lemonade) could improve together with your pet’s age. Buying in sooner can also stop points with pre-existing circumstances.

Overall, should you’re going to buy pet insurance coverage, we predict Lemonade is a wonderful selection. Their customary plan covers all the fundamentals for accidents and diseases with non-obligatory preventive care and wellness protection for pet dad and mom who need it. The costs are aggressive and you’ll customise your plan when it comes to reimbursement fee, annual deductible, and annual protection limits.

Just remember the fact that Lemonade insurance coverage is barely out there on-line or by means of the cell app and chances are you’ll not be capable of entry protection in all 50 states.

Click Here To Get A Quote On Lemonade Pet Insurance For Cats

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