How to File a Pet Insurance Claim

It's so simple, your dog could probably do it. (Don't let your dog do it.)

Team LemonadeTeam Lemonade

So your cat or dog is covered with Lemonade Pet—great choice, by the way—and now you’re ready to make your first claim for a vet visit or other treatment.

Any issue with your pet’s health can be stressful, so we made sure that our claims process is as easy as possible. Don’t take our word for it, check out this Twitter thread from a very happy Lemonade pet parent:

Now, without any further ado, let’s walk you through everything nice and slow. Let’s do it!

Before your start, keep in mind:

Waiting periods

Your pet isn’t eligible for reimbursement the moment you buy your policy. Your new policy has three waiting periods before you can file a claim:

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

Medical records 

At Lemonade, we require a medical record that includes info from a visit that took place within 12 months of your policy’s start date (also called SOAP medical records). Once we have these records, you’re all set to file your first claim.

Here’s what you need to get started

  • Get a copy of the vet invoice and/or a paid receipt, and take a pic of it 
  • Get a copy of your medical records or notes from that specific vet visit

Step 1: Head to the Lemonade app

Open the app on your phone. If you don’t have the app yet, download it and sign in with the email you used when getting your Lemonade policy.

Once in the Lemonade app, hit the pink ‘claim’ button in the top right-hand corner.

Step 2: Meet AI Jim

Meet our claims expert, AI Jim. He doesn’t bite! He’ll start off by asking you to sign a pledge to verify everything you tell us about your claim is truthful and honest. 

Step 3: Tell us what happened to your furry friend

Select the reason for this claim to let us know what happened. Has Fluffy been in an accident? Is she sick? Is this just a routine vet visit? Be as specific as you can. Share basic info as well as your vet visit details. 

Step 4: Record and submit a short video

Explain exactly what happened in a short video recording. It should only take about a minute (and it’s a lot easier than typing out all that info). Pretend you’re talking to a friend, and let us know the details of the incident or treatment you’re submitting a claim for, such as what, when, and how it happened. 

Don’t worry, your video is completely confidential; we’ll only use it in order to review your claim. 

Step 5: Upload documents and submit!

Tell us what you’re claiming for, exactly. Provide an invoice and receipt, and let us know what you’d like to be reimbursed for. For example, has Luna been in an accident and now needs medication that you’d like us to help cover? The more details we have, the easier it will be to process your claim.

Step 6: Get paid

We’ll review and handle it. Our team will review your claim and wire funds to your account, if it’s approved.

And that’s it! We hope you find the process painless, stress-free, and very, very simple. If so, spread the word and tell a friend about Lemonade Pet so they can get in on some of the fun (and you can earn some cash to spend on Amazon too, as a thank you). 

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Please Note: These definitions don’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade. They are intended for educational purposes only - they’re not meant to be used in lieu of professional legal or financial advice. We’ll do our best to keep them updated, but they may not always reflect current industry developments. Feel free to use the terms with attribution (friends don’t let friends plagiarize!)
Property and casualty insurance provided by Lemonade Insurance Company, 5 Crosby St., 3rd floor, New York, NY 10013. Life Insurance provided by North American Company for Life and Health Insurance®, Administrative Office, One Sammons Plaza, Sioux Falls, SD 57193.
Lemonade Insurance Agency, LLC (LIA) is acting as the agent of Lemonade Insurance Company and Lemonade Life Insurance Agency, LLC (LLIA) is acting as the agent of North American Company for Life and Health Insurance®. Both LIA and LLIA receive compensation based on the premiums for the insurance policies each sells. Further information is available upon request.
LLIA is a sub-producer of Bestow Agency, LLC. Life insurance quotes are provided by Bestow Agency, LLC dba Bestow Insurance Services in CA, who is the licensed agent. Term Life insurance policies are issued on North American Company for Life and Health Insurance® policy form LS181 and LS182, or state version including all applicable endorsements and riders. Products or issue ages may not be available in all jurisdictions. Limitations or restrictions may apply. Not available in New York. Our application asks about your lifestyle and health; your answers allow us to save you time and avoid offline medical exams.