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 used Dutch to consult with a vet about anxiety treatment for my indoor-only cat. The appointment itself was excellent—the vet was thoughtful, clear, and said he would prescribe something to help with stress. That’s what I expected to receive.

Called Trupanion twice to inquire about a surgery my dog needed and was told it would be covered and I am responsible for paying the deductible. Dog had surgery and I submitted the invoices and received a message it was denied. Called and they resubmitted it and was approved minus $267 in taxes. Called again and they didn't know how the adjuster came up with that amount. Taxes were less than $8. Waiting to receive my reimbursement. Wasn't impressed with the process.

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

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.

Submitting claims is very easy. It usually takes them 7-10 days to review and respond to a claim.

Been a customer with 5 Pets on plans for over 4 (some of them 6) years and was given misinformation by one of the customer representatives causing 3 of my pets plans to lapse. I was very understanding that mistakes happen and I had to reenroll them.. that was up until through the process my within a year records weren’t good enough and now I have to pay for an exam that would’ve been covered had I not been given misinformation. - If I’m completely starting over with a company I’ve been loyal to but isn’t willing to work with me in return, might as well shop around since have to start from complete scratch anyway.

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.

The Wellness coverage is disappointing. Other pet insurance companies offer better Wellness program coverage for an equivalent fee.