This company has the worst customer service. I have been running in circles trying to get more information on why my pet’s claim was declined. Each email and phone call they give me the same general answer of “it was a pre-existing condition” but when I ask how this is determined and show proof that it was not a pre-existing condition they cannot give me any information. They will deem everything pre-existing so they do not reimburse anything. Customer service is all run by bots so it is extremely difficult to talk to a real person.

Just another scammy insurance.

After purchasing Lemonade Pet Insurance for my dog, I quickly discovered serious limitations in their coverage. Following the waiting period, I took my dog for a checkup and honestly reported she had experienced occasional episodes of vomiting during the previous month. The vet concluded it was likely GERD, and we went on our way with a recommendation of OTC Omeprazole once daily with food.

Response to claim was quick, but I had to submit twice due to prepayment for one test. I understand the service was not yet rendered, but I wouldn't have paid if I did not intend to drop off the sample. Why make me submit twice... the amount was paid.

Their ESA letter does not hold up to scrutiny. The therapist who writes it has a legit license but has a voice mail greeting that says she doesn’t speak to landlords and any requests must be done through “your portal”

We have a French bulldog named Hugo and we scheduled him for surgery for his brachycephalic syndrome and we got a reply from Trupanion that they will not cover his surgery

They denied coverage of my pet's ACL surgery and treatment claiming it was an illness not an injury. I contacted my veterinarian about this and they claim they have never heard such a ridiculous denial. ASPCA will not be there for you or your pet, do not recommend the use of this company. Either a lack of knowledge or lack of compassion, very poor experience

Horrible experience on final claim after losing our dog to cancer. I have had this insurance for 10 years. Never had a claim until March 2025 when we found out our dog had cancer. I submitted 2 bigger claims, but under $500. Another for medications and a final for euthanasia which $150. Never in the previous larger 4 claims did they ever ask for a full 10 year medical record of our dog until the final claim. Seems if a full medical record was necessary it should have been required on first claim, not after losing our dog and on the final claim. This company is unethical and I cannot help but wonder if this about getting yet another payment while they jerk us around.

Expensive but good in a jam. Please send me my bandana.

I have a Healthy 5 year old Mini Schnauzer I put and fetch insurance last year las month my dog ate somethin that made him very sick took he would not eat and through up a green substance I took him to the emergency vet A bill of 1300 I put the claim and was denied because the dog did not see the vet for a year . this was not explained a healthy dog . The took 15 day to denied . Don't get it they never answer phone for your question .