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 insurance
The 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 explained
Lemonade 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.- Accidents
- Illnesses
- Cancer
- Surgery
- Chronic illnesses
- X-rays, CT scans & MRIs
- Medication
- Follow up care
- Allergies
- Diagnostic tests
- Emergency care
- Congenital conditions
- End-of-life cover
- Routine wellness (add-on)
Lemonade coverage vs. other insurers
How does Lemonade stack up against America’s other providers? Have a look in our handy table!Scroll to compare
 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Annual coverage options | $5000, $10,000, $20,000, $50,000, $100,000 | $5,000, $10,000, Unlimited | Unlimited | $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, $15,000 | $10,000, $20,000, Unlimited | $20,000 | $10,000 | $2,000, $5,000, $10,000 |
| Deductible options | $100, $250, $500 | $100, $250, $500 | $100, $250, $500, $750 | $200, $300, $500, $750, $1,000 | $250, $500, $750, $1,000 | $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 | $50, $100, $250, $500 |
| Reimbursement options | 70%, 80%, 90% | 70, 80, 90% | 70%, 80%, 90% | 70%, 80%, 90% | 70%, 80%, 90%, 100% | 70%, 80%, 90% | 70%, 80%, 90% | 70%, 80%, 90% | 70%, 80%, 90% | 90% | 70%, 80%, 90% | 90% | 90%, 100% | 50%, 70% | 70%, 80%, 90% |
| When does coverage start? | 2-14 days | 2 days accidents / 14 days illnesses | 15 days | 2-14 days | 1-14 days | 15 days | 3-14 days | 15 days | 15 days | 5-30 days | 15 days | 14 days | 15 days | 14 days | 1-14 days |
| Maximum age at sign up | 14 years | 14 years for illness (no max for accident) | 14 years | 14 years for illness, no max for accident | No maximum | 13 years | No maximum | 18 years | No maximum | 14 years | No maximum | No maximum | 16 years | 20 years | No maximum |
| 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 | |
| Healthy Paws | $50.53/month | $55.42/month | $44.27/month |
| Pets Best | $34.57/month | $38.21/month | $17.53/month |
| Lemonade | $36.67/month | $47.59/month | $19.58/month |
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 help@lemonade.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% |
|---|---|---|---|
| Cancer $8,280 | $5,796 | $7,452 | $1,656 |
| 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 |