Lemonade Pet Insurance Review 2025

Having only been around since 2020, Lemonade is the new kid on the block when it comes to pet insurance and it does things a little differently. For example, AI is used to process claims, which both speeds up the time it takes to process claims and lowers the cost of the premium in some cases. As a provider of other forms of insurance, it’s also possible to bundle these together and get a discounted rate overall.

That said, this isn’t a totally different operation and most of it will remain recognizable to pet parents. The coverage itself is pretty similar to that of competitors and there’s also the option to customize the terms of the policy, as well as take on supplementary coverage if you wish to be reimbursed for a wider range of eventualities.

Our Lemonade rating

Pros & Cons of Lemonade pet insurance

How does Lemonade Pet Insurance work?

Lemonade only offers an accident-and-illness policy for cats and dogs aged between 8 weeks and 14 years old — this upper age limit might be lower depending on a pet’s breed and home location.

To get a quote, parents must enter their pet’s details and choose the reimbursement terms, plus any add-ons they wish to take out. Once they’re happy with the coverage and monthly premium, parents can make claims for veterinary expenses through the Lemonade app. If these are eligible, parents will receive reimbursements according to the terms of their policy.

Lemonade is also a public benefits corporation and charitable giving is built into its business model. If a parent makes no claims during the year, any unclaimed premiums are donated to a non-profit organization of their choice, including multiple animal welfare charities.

The benefits of Lemonade Pet Insurance

The founders of Lemonade pet insurance wanted to bring AI into the claims process and this has certainly sped things up — in fact, some are processed within minutes, as opposed to days.

Parents also have the opportunity to take control over their coverage, be that picking the standalone add-ons they wish to pay for or choosing between different deductibles, copays and annual limits.

And Lemonade doesn’t just offer pet insurance — it’s also possible to get renters, car, life and auto insurance through the company. Anyone getting multiple Lemonade insurance products can get discounts of up to 10%, as can parents insuring multiple pets at any one time and those who choose to pay annually, rather than monthly.

Lemonade Pet Insurance plans explained

Unlike some other insurance providers, Lemonade doesn’t offer an accident-only plan. This means parents can only take up an accident-and-illness policy, which will reimburse veterinary costs arising from treating accidents and illnesses.

What does Lemonade pet insurance cover?

The base Lemonade pet insurance covers veterinary costs that come from treating a pet’s injuries or illnesses, from the initial diagnostics and hospitalization to any specialist procedures required and necessary medication.

Parents can broaden their coverage by adding one or more of the five supplementary plans available — this will increase the premium amount, but more costs will be eligible for reimbursement. These add-ons are as follows:

• Vet exam fee
• Physical therapies (such as acupuncture, hydrotherapy and chiropractic care)
• Dental illness (like gum disease and extractions)
• Treatment for behavorial conditions (including therapies and medication)
• End-of-life and remembrance (including vet-recommended euthanasia, cremation and commemorative items)

Lemonade coverage vs. other insurers

How does Lemonade stack up against America’s other providers? Have a look in our handy table!

Is Lemonade pet insurance good value for money?

Cost is a big factor — if not the biggest — when parents are picking between insurance providers. Here are a few examples of quotes, alongside some from competitors.

How good is Lemonade’s customer service?

Lemonade scores highly on Trustpilot and many reviews highlight the exemplary customer service received, as well as the speedy claims processing.

How do I contact Lemonade?

Parents can contact Lemonade by phone at 1-844-733-8666 or by email at help@lemonade.com.

What is Lemonade’s claims process?

Parents can only make a claim through Lemonade’s app, on which an AI bot called AI Jim leads parents through the process.

Details about the ailment and medical documents from the vet who carried out the procedure must be uploaded. The claim is processed by AI and often approved within minutes. Eligible claims are reimbursed to a parent’s bank account.

If parents make no claims during a policy year, the unclaimed premiums are donated to a non-profit organization of their choice.

How much will Lemonade pay for my claim?

This will depend on which deductible, annual limit, and reimbursement percentage (or copay) that parents choose during enrollment.

The deductible is a one-off amount parents have to pay annually before the insurance provider will begin reimbursing — with Lemonade, the available amounts are $100, $250, $500 and $750.

In addition, the annual limit is the total amount that a pet insurance provider will reimburse during the course of a year — these are $5,000, $10,000, $20,000, $50,000, or $100,000. After the limit has been passed, parents will have to cover the cost of veterinary bills themselves until the next year’s allocation begins.

Finally, the reimbursement percentage is the proportion of an eligible claim that a pet insurance provider will reimburse to parents. Lemonade offers parents the option of 70%, 80% and 90%, with parents covering the remainder themselves.

Are there any coverage exclusions?

Like all pet insurance providers, there are certain costs that Lemonade will not reimburse.

The first of these is pre-existing conditions. These are defined as medical conditions or symptoms diagnosed by a vet before a pet insurance policy starts or during a waiting period. Veterinary costs related to a pre-existing condition are not included in Lemonade’s coverage.

A distinction is made between curable and incurable pre-existing conditions, however. Curable pre-existing conditions are medical complaints that can be successfully treated, such as broken bones, respiratory infections and vomiting. Recurrences of these might be eligible for reimbursement — however, this depends on the US state in which parents reside and requires pets to have been free of symptoms and treatment for at least 12 months.

Similarly, bilateral conditions aren’t always covered. These are health conditions that can affect two sides of a pet’s body, such as Hip Dysplasia and Cherry Eye. If a bilateral condition has already been diagnosed on one side of a pet’s body before a Lemonade policy has begun, the other side is excluded from coverage.

Lemonade’s coverage will not provide parents with reimbursements for costs linked to alternative therapies or non-traditional medicine. However, the Physical Therapies add-on will extend coverage to include procedures like acupuncture, chiropathy and hydrotherapy.

Parents should also note that elective or cosmetic treatments — common examples include tail-docking, ear-trimming or dewclaw removal — aren’t covered under a Lemonade pet insurance plan.

What are the waiting periods for conditions?

All pet insurance providers operate waiting periods. These are specified amounts of time after a policy has started during which parents aren’t allowed to make claims. While it sounds prohibitive, it’s designed to stop parents from enrolling a pet who’s already ill and immediately making claims.

With Lemonade, parents can only make claims for injuries after 2 days, illnesses after 14 days, 30 days for orthopedic conditions, and 6 months for cruciate ligament injuries.

How quickly does Lemonade Pet Insurance pay claims?

One of the main reasons for Lemonade’s embrace of AI technology is to speed up the claims process. Lemonade says that many claims are approved and paid within minutes. This won’t happen with all cases and parents might have to wait longer if members of Lemonade’s team have to get involved in the approval process.

Can I customize my Lemonade Pet Insurance?

Yes, there are multiple ways in which parents can personalize a Lemonade pet insurance policy to their liking.

As previously mentioned, there are multiple options for the deductible, reimbursement percentage and annual limit. These will have a direct impact on the premium — parents looking to pay a lower amount should opt for the highest possible deductible and the lowest possible annual limit and reimbursement percentage. Those looking to receive larger reimbursements should do the opposite.

State availability for Lemonade Pet Insurance

Lemonade is only available in 38 US states and Washington, D.C. Aspects of the coverage might also vary depending on the US state in which an insurance policy is registered, including the upper age limit and reimbursements for curable pre-existing conditions.

Verdict: Is Lemonade Pet Insurance good?

There are lots of people who will be happy with Lemonade Pet Insurance. Techies will appreciate the fast claims processing and lower premiums that come about from the company’s use of AI. Those who have to take out multiple insurance policies can save money with the multi-policy discount. And anybody who wants to make more conscientious choices will surely like the fact that unclaimed premiums are donated to a non-profit organization of a parent’s choice.

We should mention that Lemonade pet insurance won’t be right for everybody. The coverage isn’t the most extensive on the market and parents have to pay extra if they want vet exam fees, physical therapies and dental illness included — many of these are included in base coverage with competitors. It’s also not available in every state across the USA.

Our Lemonade rating