The premiums have increased, of course, but I'm starting to wonder if worth the cost. I also had to call and ask for 2 invoices to be reviewed, as were mistakenly not being paid due to incorrect deductible information.

Just like all Ins Companies. You take full advantage of the customers and their needs! How in the hell do you cover conditions such as cancer (which we are in the throes of now with one) but you don’t cover to have it diagnosed or even to see a specialist from treatment plans (oncologist) to prevent and or treat cancer. It all has to do with the same diagnosed condition that you are coving. Makes absolutely ZERO since!!!! Your company has screw us over so much over the corse of the past 13 years and still doing it. I will be dropping Trupanion as soon as my 2 remaining dogs covered by Trupanion have passed on. Which with your help will be sooner than later! We have too much invested in your bs to stop now for these 2. My dogs are up in age now and is too late to switch these 2 but I can assure you that my other pups are not covered by all of your small print and exceptions.

They sound great and the app is easy to use but their business model and policy is to deny claims based on their understanding of the claim regardless of whether the doctor told them their interpretation is incorrect. They encourage you to appeal their denial because they want you to continue paying the premium as they delay their response to you. They use agentic AI to respond to your follow-up emails. They are all repeats of the first response email just worded slightly differently. The appeal decision repeats their original decision wording and does not take into account anything the doctor provided to them to correct their inaccurate assumptions. They make it hard to cancel and try to convince you to stay by saying no other insurance will now take my dog because his issue would be considered pre-existing. Complete waste of my time and money and an extremely frustrating experience. They sound good and talk the talk but they don't walk the walk - they truly don't care about their customers' or pets' best interests.

The veterinarians are great so I gave two stars. Customer service is horrible. The vet ordered treatment for an acute problem. It's twelve days after seeing the vet and paying for the meds and I still have no meds. You can't speak with anyone in customer service. You are told to text and get no response. When I did get a response after ten days I was told to wait another two days. Clearly the company does not care about animals. What good is seeing the vet if you can't get the treatment.

Takes a while for claims to be processed.

Compared to other companies it takes forever to pay.

This company stalked this review and attempted to get my personal information. I say dont like what u see, be better. Dont silence your victims. The pettiness of a billion dollar company. And they edit their reply daily lol. This is spot pet insurance.

Website makes it very easy to submit a claim. however last year it took almost a month for me to receive reimbursement. Website said up to 10 days. I would also like to mention, for dogs to get vaccination's only, it does not require a visit with the veterinarian. A vet tech can give vaccinations. Please do not ask for SOAP notes for this type of visit. The appt is barely 10 minutes. Most times they do not have Soap notes so it's an inconvenience to keep asking them to provide me with something I can submit to the insurance.

Another woeful experience with Lemonade's underwriter team (Emily J and John). They have started to make up the age of items (my roof) in order to claim non-renewal on my homeowner's policy. This isn't really surprising given they then provided their own referral link to a contractor company so they can get kickbacks.

Today I was very disappointed with this company. I scheduled two appointments for my kittens. For the second appointment, I never received a link for the video call. Then they offered to reschedule the visit for July 1st. Today is June 25th. Who’s going to wait a whole week just to speak with a vet, and then wait another 3 days for the medication? Don’t waste your time — go to a regular veterinarian instead.