For the past three years, I’ve recommended Trupanion to every pet owner I know. Unfortunately, that will no longer be the case.

You have to pay out of pocket first (full amount) and you’ll only get 1/4 $ back. What’s the point? $840/ year and you’ll be lucky to even get $250 back.

Update on my lemonade review:

The system said they couldn’t insure me because my house has a basement , I don’t know why they made this assumption ( it doesn’t )

Lemonade Pet Insurance completely failed me. I submitted a claim for my dog Max (Claim #LPC180-754-290) with all the required documents and waited patiently for over 4 weeks. After the long wait, they denied the claim without a clear explanation.

I have loved Trupanion and felt it was 5 star for many years but this new landing page and sign-in is very bad. I often have to try multiple times and I do not like the predominance of French on the landing page. FYI, I speak and read French.

I accidentally damaged my monitor, and unfortunately, my claim was denied by the Lemonade agent, who said it wasn’t covered under my policy. While I’ve accepted that and will buy a new monitor myself, it does raise concerns. If something more serious were to happen, would they truly have my back—or would they point to more fine print? This experience has made me question the level of real protection the policy offers

This company does everything in its toolbox to not pay claims. Even when your dog is sick. RUN RUN RUN away. I wish I had chosen another company. What a waste.

They are impossible to work with. Everything is so automated with digital phone agents, SMS and chatbots that trying to get anything done is extremely difficult. Save your time, find another insurer.

I have both of my dogs insured with this company, but the coverage is based on specific conditions and they reimburse almost nothing. The amounts they cover for illnesses are extremely low compared to actual veterinary costs. I do not recommend this insurance. There are other providers that reimburse a percentage of the total bill regardless of the condition, and with lower premiums.