I've been a member since 2019. I've never had to file a claim however, I have the insurance for peace of mind. Since I became a member my insurance plan has gone up $37. I was just informed it's increasing to $51 which is insane for pet insurance when all the comps are $30 lower. The increases originally started small, $2, $5 then took a jump to $10 and now $17. Not to mention they are charging 4% processing fees for using a credit card. This is just a ploy at this point to get money.

I've tried calling and emailing so many times with questions about my claims, and haven't been able to connect with a live human to help me. The only humans I've spoken to were the sales people who set up my premium. Very disturbing.

If I could have given a zero I would have. I have never done pet insurance in the past so I was willing but skeptical to try the 30day trial from trupanion offered through my vet. My dog is 6months old and in perfect health. In my first visit with my vet, I mentioned to the vet tech I would like the vet to take a look at his skin and ensure there were no allergies or illnesses of any concern since he scratches more often than my previous pup did. My vet gave him the all clear with no issues or concerns whatsoever. Upon his 2nd visit 2 weeks later for another round of vaccines the vet notice he had the start of an ear infection, giving him medication and ultimately submitting the claim to trupanion. I received an email notifying me the claim was denied due to "a preexisting condition". When I contacted trupanion they stated that the vet tech records stated my concern of itching and therefore my dog has allergies which is preexisting to the insurance. I informed them he has not been diagnosed with any kind of allergies and an inquiry to my vet shouldn't allow them to self diagnose my dog with an illness they feel he has. I informed my vet regarding the issue and they created an addendum stating my dog had no allergies nor any signs of allergies and he is in perfect health. They than recommended I appeal the decision. I spoke with a new agent who stated they don't accept addendums. She also stated they don't diagnose diseases or illness. Seeing how my vet never diagnosed nor mentioned the possibility of allergies to me or in his notes, trupanion took it upon themselves to label him as having allergies to get out of paying anything that can "fall under the umbrella of allergies". This seems to do with anything that can cause a dog to have an itch. I am grateful this occurred during the 30 days trial, but am very discouraged from pet insurance as a whole.

why is it required to leave a review before submitting my claim?

I already spoke to customer service as me tioned below and no help.

If you’re looking for a pet insurance, my suggestion is to look elsewhere as my experience with lemonade has been nothing but disappointing and misleading

It took a couple years for your staff to figure our 2 dogs, prescriptions, dog food prescriptions etc and how to pay them. Thank god for Katie Casper helping rectify the issues.

My experience over the last year, is that the goal of MetLife is to either No-pay or extremely slow-pay all claims. Example: uploaded documents mysteriously disappear so that the claim is put on hold and processing delayed. Every effort appears to be designed to reduce the reimbursement amount or to not pay legitimate claims.

Denied my claim after multiple requests for information. All information requested was sent and then claim was denied without legitimate reason stating information was not received even though i PERSONALLY emailed everything to claims dept and on app. Sent SOAP, proof of coverage from previous insurance & doctors note for requested information.

I recently put in 5 claims at different times and they were bundled together, causing confusion and delays with all 5 claims. When the issue was only with 1 claim. It took over a month to resolve and several phone calls and no clear resolution in the beginning.