I filed a claim for my pet Kylie and got the complete run-around. She was diagnosed with hookworm and they tried to play it as a pre-existing condition and denied the claim. This was after numerous calls and e-mails... Awful experience. Avoid Lemonade Insurance!!

I believe the turnaround time for reviewing a claim is fast. However, the reimbursement isn't that great. I'm considering just putting my money into a savings account. Seems much better. I pay over $175 a month in 12 months that is roughly $2,100.00 a year. My recent vet bill was $435 for his senior wellness exam. I was only reimbursed $175. Doesn't pay my credit card down at all. That's why I think it would be better for me to just put my monthly payment into a savings account. Then use that money to pay my vet bill. That will keep my credit card bill down.

BEWARE! I got this insurance for my pet and when the time came to submit claims, I got rejected because underwriting was saying there was a pre existing condition which there was not. I honestly believe they make up reasons up NOT to reimburse you, please reconsider before purchasing this. Oh and to boot, their customer service agent did everything in her power to cover up why the claim was rejected, even lying about what the paperwork said.

claim related to Wellness check up after adopting pet rejected without any reason and stating insurance policy expired where as i just purchased the policy. i have wellness add on with the policy.

I have not received my refund for Swopie as today date. It another second check for my initial refund on Smokie.

Reply from Fetch Pet Insurance

I got pet insurance for my dog back in January, Lemondae was requesting records of my pet, as they kindly reach out to my Vet to get the records they were needing, My dog went to Vet on 5.1.25, i submitted for my reimbursement, this was such a nightmare!! I have not heard from them at all. They are quick to take out my payment each month of 70.00. Now that i am trying to utilize the benefit. I am getting a hard time to get my money. I STRONGYLY DO NOT RECOMMEND THIS AT ALL! BIGGEST RIP OFF. Get care credit. That is the best thing to do. Save you headaches that is for sure and it gives you a peace of mind. DON'T use LEMONAADE for ANYTHING!! STAY AWAY!! You never get to speak to anyone on the phone. They don't accept faxes for your claims and can not use your computer. they request to download appt on your phone. AGAIN KEEP YOUR MONEY. GET CARE CREDIT!!!

One Star – Very Disappointed After Years of Paying

Your company has tried to not refund to the customer with all excuses, I have paid from 11/24 to May/25 and I only took once for my pet routine check up before the expired the insurance 5/18/25 and I sent all the informations you told me by mail because I cannot handle computer. You are so bad with no integrity in running business. So disappointed.

Unfortunately, my experience with Spot Insurance was deeply disappointing. After insuring my cats, Gwendolyn and Wessley, and submitting multiple claims for each, all were denied with explanations that felt dismissive and inconsistent. Despite my appeal and supporting documentation, their resolution process felt more like a formality than a genuine review.