Lemonade Pet Insurance has been a major disappointment. I insured my 5 year old pup, Ollie, with Nationwide Pet Insurance for years and never had an issue, claims were processed within 2–3 business days. With Lemonade, my recent claim sat for over a month before being denied due to a so called “pre-existing condition”. Their reasoning? That my dog had diarrhea before. Honestly, what dog hasn’t had diarrhea at some point? The only reason I switched to Lemonade was to save some money, but in the long run, it’s cost me more in time, stress, and uncovered expenses. I will gladly pay more and switch back to Nationwide.

Reply from Trupanion

Not a great experience with them. Poor communication - not sure if I was communicating with a real person or AI. It was mostly canned reply and never address my questions or concerns. I hope they get better but I would not work with them again. Switch to a company with slightly higher rate but better service, communication and coverage.

This pet ins is good i have had it before and i do like it for my pet.

Length of time to have claim worked is much longer than what is quoted on the website when submitting a claim. I have had to wait sometimes 3+ weeks to have them worked completely.

Took out a policy more than a week ago never heard another word. Don’t know if I have coverage or not. Not sure I want to do business with the company who tells me my files and underwriting and they’ll get back to me when they make a decision. In reading through the reviews, this appears to be a very common problem that either you never hear back from them while your file is an underwriting, you do hear back from them and they cancel your policy before it’s even issued for underwriting reasons, or lastly policy just shows up in the mail with no explanation as to why it took so darn long to get there, and you find that the effective date of your coverage is weeks after you applied. This is very poor insurance underwriting to say the least. Wondering what individual state departments of insurance would think of these tactics. Also seems to be a common theme where after you have a claim, even though your policy is still active, they’ll cancel your coverage and then invite you to reapply only to add multiple exclusions based upon prior claims.

We have 4 dogs,who rarely get sick, are not exposed to dog parks.

I tried to cancel my policy. I was transferred to the adjuster who then hung up.

My experience was fine with Nationwide Pet UNTIL the 2020 covid pandemic in which they used the excuse of covid expenses for 2 years to raiserates more than usual, a recent major hurricane in Oct of 2024 caused them to cancel my pet insurance only to reinstate me for a $100 exta a month and my dog aging and needing a special diet and meds for his hips caused them to review my claim and make changes to my policy while making an excuse. From talking to other Nationwide Pet Policy owners once my policy is changed they will no longer cover "Preexisting " conditions with the new policy even though he has been insured with them since he was 3 months old! Nationwide is the largest Pet insurer that so far in 2025 has made 3.2 billion dollars from what I have looked up. They are making a profit! Many new clients are enrolling their pets and they are now paying fewer claims. More than likely due to the fact they are not honoring their policy and canceling their "Head to Tail Premium Wellness

I love that l don't have to worry about my dogs going to the veterinarian, but the processing time is long.