They will deny 90% of your pet claims and make up any “pre-existing conditions”. this company tends to rely on fake trustpilot reviews. please look up other forums and reviews on BBB. They will take out monthly payments and deductible no questions asked. they are known for this exact issues. for Pet insurance purposes RUN AWAY from lemonade. Claims generally take 4-6weeks to be resolved. My dog admitted to be checked for tumors and potential spleen rupture as my german shepherd is 9 and becoming old. he’s been having vomiting issues and they denied it claimed it was “pre-existing condition” due to food allergy. its laughable.

High Premiums & Crazy Hike at Renewal

My dog recently passed away due to chronic kidney disease. It was great that they covered the expenses, although I had to pay my deductible multiple times for the same issue... In the end I probably paid almost half of the bills anyways. The one thing I hated about Trupanion was their cost of coverage increased every year. It started at about 70$ every month (at less than a year old) to about $226/month when my dog was 7 years old - my deductible was $900. It ridiculous how much it increases per year just because my dog gets older.

I just joined so there isn't any history yet.

I cannot believe how much it is costing me for an 8 week old kitten! I never paid this much for a cat at that age! And I had problems with the webiste not confirming my purchase!

I had Bivvy previously and think it is unfair that all my pet’s allergies that were covered under Bivvy are now considered preexisting conditions under Spot. In addition, for as much as I spend on Sage’s insurance, I feel that I should be fully reimbursed for all charges associated with his annual wellness exam.

Horrible to deal with and most claims are getting denied! The only thing they seem to be successful at is raising their monthly cost! Started at $95 in 2016 and am now at a $203 monthly fee! Do not choose Trupanion, your pet deserves better!

My family was poisoned by a gas leak and has been out of our home since March 31. Lemonade has done nothing. Gabe H., our SECOND adjuster, Chdel's, lead, knew we were out of money, food, and shelter last week and left us in our car, (the extended stay we were at kicked us out because our card would no longer run anymore charges, as Lemonade has STILL not helped out at all). He delayed $709 (with deductions, of course!) and called it a favor. No adjuster. No inspection. Furnace still unsafe per SDG&E. This is a covered emergency and we’ve been abandoned. We need immediate help. We have tried the CEO, Daniel Schreiber, CEO Shai Winninger, and the whole executive team, but to no avail. And now, NOW, the claims lead adjuster, Gabe H., thinks he's doing us A FAVOR by sending a minute FRACTION of what our coverage is for something like this, and knowing that we are going into ANOTHER WEEKEND, has it sent via Venmo, NOT instantly but, to be transferred by MONDAY. DO NOT USE THIS INSURANCE! IT MAY BE CHEAP, BUT YOU GET WHAT YOU PAY FOR: THE PEOPLE DO NOT CARE ABOUT YOU, THEY DON'T GIVE A SHIT ABOUT WHAT COULD BE GOING ON IN YOUR LIFE OR HOW THINGS YOU BUY INSURANCE TO PROTECT AGAINST AFFECTS YOU. THEY DO NOT CARE ONE BIT.

They deny everything based on geralizatjons and diagnosis from themselves and not what doctors say. My dog had a puppy scratch on her belly and they said it was allegies even though my vet didn’t. Then they proceeded to deny anything she has ever had because it shares potential symptoms with allergies.

EDIT: After weeks of back and forth, my vet advocating for my pet, and emails - they still decided to deny my claim. I cancelled my pet insurance for both of my pets with them, as well as my renter's insurance. I would avoid this company like the plague. They have no empathy, no heart, and no concern for you or your pets.