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”

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.

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

I've been with Lemonade five years. One claim in 2021 and one within the past month. Premium doubled in 2024 due to cats age. Claim this month was approved and applied to my deductible. I needed a reimbursement since funds are tight. Called them on 5/7 to see if claim funds could be applied to monthly payment - was told I would be contacted by escalation team within 1-2 business days. Have not heard back and monthly charge was deducted today. Buyers beware of their process - can work for some, but see no value in this company anymore.

I paid 149 to 191 dollars a month for insurance never had a claim than my dog need surgery for this throat the bill was 6,661 l thought that l would get 70% of the bill and you paid me 3,000 telling me i reached my limit.

They don't cover tests even if it is caused by an emergency. We had a bill of $422 and they covered $0 . Really not worth for the price I pay monthly.

I feel its a waste of money. If you have a pet with pre-subscribed medication and you get it through dutch, maybe it might be worth it. I not only found better precise information through Google, i found my own references since the ones sent by the vet were not for California. If in doubt, its best to go to a physical vet , dont be like me wasting money to be told what you know

Was charged up front to see the vet and I tried to connect to the zoom call five minutes prior and was having troubles, and while waiting for customer service to help by 5:01 was sent a no fee. Absolutely do not recommend this scam

They deserve a zero. They have not paid any of claims. My vet and I sent them all the notes and info they requested then they claim they were unsuccessful obtaining them!! They are full of it! This place is a scam! You pay them premiums but when it's time for them to pay, they find any false excuses to deny your claim. Avoid doing business with this place. I will be canceling and go somewhere else.