Lemonade pet insurance reviews, cost, pros&cons 2024

Negative reviews

As a negative Lemonade pet insurance review, it doesn’t cover dental illness, preexisting conditions, or spaying and neutering for pets over 2, and it has a 6-month waiting period for coverage of cruciate ligaments. It also doesn’t have a 24/7 vet helpline, which some vet owners may prefer.

Lemonade pet insurance pros

• Convenient mobile app.
• Quick claims processing.
• Accident coverage waiting period of only 2 days
• Offers a wide range of coverage add-on options
• Features a $100,000 annual coverage limit option.
• No lifetime payout limits on any plan.
• Discounts are available if you have a renters or homeowners policy with Lemonade.
• The most affordable option for insuring kittens.
• 5% multi-pet discount.
• Responsive customer service.
• Multiple policies and riders are available.
• Provides up to 90% reimbursement.
• Insurance premium discounts for feline friends.
• Optional end-of-life coverage.
• Fantastic customer service.
• Customizable coverage with preventive care plans and other optional add-ons available (such as vet visit fees and physical therapy).

Lemonade pet insurance cons

• It is not available in every state.
• No coverage for exotic pets (birds, rabbits, turtles, etc.)
• No local agents.
• Does not cover the conduct of drugs.
• The telephone consultation service is not accessible for veterinarians at any time.
• Customer service is only available by app or email; no phone support
• Vet exam fees are excluded as standard.
• Enrollment is restricted by age.
• Coverage regarding cruciate ligament injuries is subject to a 6-month waiting period.
• Coverage is not available for some older pets.
• Microchips are not covered in all 50 states.
• No unlimited annual coverage.
• No dental illness coverage for pets under two.
• Unlike its major rivals, this company does not include exam fees in its standard policies, which must purchased as an additional expense.

Lemonade pet insurance pros

• As an alternative, you may sign up for a health and wellness program.
• Fast claims processing through the Lemonade mobile app.
• Preventative care for puppies and kittens available for pets under 2 years (covers spaying/neutering, microchipping, and more).
• Optional exam fee coverage, dental illness coverage, behavior coverage, and physical therapy coverage.
• Offers multiple Preventative Care packages.
• The most affordable pet insurance for kittens.
• Coverage is available for pets aged 8 weeks to 20+ years (depending on breed).
• Offers multiple Preventative Care packages.
• Covers diagnostics, procedures, and medication.
• Donates a portion of premiums to nonprofit organizations.

Lemonade pet insurance cons

• Not covered when traveling with your pet outside of the U.S.
• Doesn’t cover behavioral treatments
• Extended waiting periods.
• Coverage is not available for some older pets.
• Exams coverage costs extra.
• There are age restrictions for enrollment depending on your pet’s breed.
• No 24/7 telehealth line.
• None of the treatments, such as behavioral or complementary therapies, are given insurance coverage.
• Your credit or claims history may affect your rates.
• Physical therapy, acupuncture, and chiropractic care cost extra.
• 6-month waiting period for cruciate ligament events.
• Policy information can be difficult to find.
• You can adjust policies only at renewal.
• No coverage for prescription diets

Positive Lemonade pet insurance reviews

• Very easy and quick process to start a claim. They requested the records from the vet for me and all I had to do was upload a picture of the invoice. Everything was taken care of within a few days and was done correctly.
• I uploaded the itemized receipt and it is able to process within a couple of days. It is pretty simple and easy. I don’t need to call and wait in line for ages. The staff is kind and warm-hearted. I would recommend this service to all my friends who have pets.
• Customer service is 10/10. I have the pet insurance and, whenever I call, everyone is always super knowledgeable and helpful and I never have any issues with claims or otherwise. They even go out of their way to ask how each of my pets is doing! Love this company.
• I had a very smooth experience with filing a claim through them. Super easy! I definitely would recommend this to all pet owners. The claim was extremely easy to make, I did it through the app on my mobile and received my reimbursement in 1 day!

Lemonade Pet Insurance’s negative reviews

• Terrible customer service. A legitimate claim. They can’t decide. Waiting 4 weeks. Excuse after excuse. Do not use this company. Additional complaint. The filing of claims is backward. Not user-friendly. Takes too much time. Run away. Do not waste your money.
• We live on a VERY tight budget which is WHY we got Lemonade In The first place! We were told “Most claims are processed automating within minutes of a claim being made”…however we waited days and days and kept getting the brush off as to WHEN our claim will be processed without any straight answers! BEWARE!
• Lemonade will make you jump through every hoop, supply countless pieces of documentation, and still find ways to deny your claim. I even went as far as to have my vet write a letter and talk on the phone with a Lemonade representative to explain why they are incorrect. There is no evidence to support their denial of my claim, while I have documents and an expert opinion. It doesn’t matter to them. They asked me to get additional letters from my vet for “more clarification” like he doesn’t have an extremely busy schedule.

Positive Lemonade pet insurance reviews

• Lemonade is excellent to use for pet insurance. Their puppy upgrade is completely worth it! I didn’t find a single competitor with a similar offering, and those puppy appointments and vaccines really add up! The app is simple to use, reimbursement for claims is painless and quick, and customer service is always friendly and helpful. I love that I can review an employee’s service, and have the option to reward them for their superb service with options like a beach day or movie tickets! A company that treats its customer service employees well is a company worth considering, and this company checks out for pet insurance!
• We have 2 rescue pups and we knew we would want pet insurance for peace of mind and health of pups. It has given that. They are readily accessible, and helpful, and everyone we have worked with has been great. We highly recommend them to vet owners.
• My baby girl got sick very suddenly and she had to stay in the ER for one week. Unfortunately, after trying many treatments, my baby still couldn’t make it. I was way too sad to do anything. Lemonade insurance makes the claims so much easier. All I need to do is to give them the information of the ER and they will start the review process immediately. They will reach out to the ER/hospital and they will finish the review process within a few days, even during the weekend. Definitely, a big help to let me go through the hard time.

Lemonade Pet Insurance’s negative reviews

• I thought all treatments and preventive treatments were covered. However, there are more restrictions than I thought. For this reason not covered and for that reason, it is not covered. I don’t know if lemonade can help my dog ​​when he’s sick. It’s just like a talisman that prays that our dog won’t get sick.
• Our dog had seizures for the first time at 5 years old. Because this was our first claim, they requested medical records for the previous 12 months. Skip ahead one month from the initial claims submission and now their underwriter is asking for his neuter records from when he was 6 months old (4 1/2 years ago). The reviewer claims this is standard practice and written in the contract. The contract clearly states “nose to tail” medical records for the previous 12 months. Requesting records for unrelated medical care well beyond the contracted review period service stinks of intentional delays or intent to not pay. Multiple emails and multiple platitudes but we are still not reimbursed over a month after the claim.
• I tried to adjust coverage to my pet policy after I’d started it. To no avail. Then when I needed the coverage of course I didn’t have it. Always works that way. The correspondence telling me I wasn’t covered came quickly. The other never came despite email, chat, etc attempts repeatedly. While aspects of it are very convenient, customer service is not so much.

Positive reviews

• Overall the experience was very easy and they covered what they said they would. They paid out their portion within the time they said they would and the claim process was simple and fast. I will continue to keep my coverage with them.
• We took insurance when our pup was 8 months old. We added preventive care since it covered part of the neuter surgery costs and vaccine costs. What we loved was the speed of the claim handling. Everything we filed was cleared within the same day. What we didn’t like – Vet fees are covered at an additional cost. In our area the vet fees are half the bill so I wish we had covered this. Also, the preventive care says 6 vaccines are covered, but actually, it covers the cost of up to $150. So if each vaccine is 40$, only 3 are fully covered.
• I am not a believer in insurance much less PET Insurance. LOL, no way. A year ago I got a 9-week-old puppy, as I am so against puppy mills I found a breeder of cocker spaniels and went the long road. At about six months I knew I needed to get him neutered. Well much to my surprise, It has been decades since I needed an animal spayed or neutered. I was floored by the prices. I looked for close to 6 months before I found a vet that would cost me under 1,000.00. Someone suggested puppy insurance.

Negative reviews

• I adopted a French bulldog puppy in July of 2020. He was diagnosed with Giardia a precondition I disclosed upon signing up for pet insurance. The puppy battled giardia for months – during this time he also developed pneumonia. During the vet visits the doctor discussed possible problems with my dog breed. Brachycephalic flat-nosed breed can potentially have Brachycephalic syndrome – of course! Long story short the dog became very ill and had a series of surgeries. Lemonade declined every claim as a pre-existing condition. How can a puppy have known pre-existing conditions? Despite the vet supporting my claims. Lemonade took my premium payments for a year and denied every claim. Don’t waste your money. Their position was that everything was a pre-existing condition.