I bought this pet insurance when my puppy was about 13 weeks w no pre-existing conditions. One year later, that’s still true.

Customer service is great. I was refunded for an accidental purchase of 2 annual membership. Here is the issue….vet service is decent BUT I had an appointment on 5/2 because my puppy is sick. I paid for the meds and the 2 options for shipping was either free shipping but meds wont come until 5/12 (which is 10 days of my dog then getting sicker and in pain from the hacking shes experiencing) or pay an additional $20 for expedited shipping so that they came on 5/6. I paid the extra $20 so my dog got meds in her ASAP. As 5/6 approaches, I hear and see nothing about the meds being shipped and it is now 5/8 and still nothing. Customer service just keeps saying they are working on it. My dog has been struggling with being sick and at this point I have requested a refund for everything and will end up just taking her to a in person vet.

I’ve had many pet policies over many years and Many Pets gets an A plus… processes claims quickly and very importantly, I can generally reach a real person by phone . Good company and good people

Highly recommend if you need a good quality pet insurance company for your fur baby.

UPDATE: I sent in the medical records for the appeal, now it's taking forever and "under review." Been on phone now over an hour between overseas and US, now being transferred to a supervisor. Very frustrated! ***** Used to be a super great company! US based agents, picked up on third ring. Very nice folks. Really it was the only insurance company I didn't have to argue with. That was then. Now it's overseas customer service, no idea what they are doing. I submitted a claim, they did not pay for blood work even though my dog was sick and should have been covered. I just requested and got transferred to US agent. She said my account terminated 2 years ago for a dog that passed away. I said no I have a current account with a new dog after that. She can't find account. Now I'm on permahold to talk to supervisor. I thought I bet Healthy Paws got bought out, sure enough Chubb bought company in July 2024. Now they are just as bad as any other insurance company. Very sad.

I just tried to cancel my ageing elderly cats policy, as the access for the yearly policy is more than end of life procedures would be. Rang first thing in the morning. That’s the only way you can do things over the phone and then was greeted with a hard pressure hostility attitude from the customer service representative.

I have paid for YEARS with ridiculous increasing premiums each year. When it's time to reimburse us $400 they keep saying they aren't getting all the info from our vet. Dog was in 2 days in a row and they say they only have info for 1 of the days. The vet sent it all at once, multiple times.

Who are these people giving Lemonade a 5 star review?? Perhaps they are giving 5 stars for the ease of starting a pet policy via their colorful app, or the cute way their Bot Maya talks to you via chat or the cute colors and cool name they have? They make you feel so good and make you think they are different right? I get it. That’s 5 star advertising for sure and I fell for it! Genius!

I pay around $60 a month, his bill for vaccines was $142 but was only reimbursed $50. Basically only 1 and a haf of the vaccines was paid for. I spend more money then they reimbursement.

The representative hung up on me. I called to ask about insurance for my snake who HAD a respiratory infection, which has since been resolved. He told me it counts as a pre-existing condition and I would not be able to submit a claim for a respiratory infection for six months, but tried to get me to sign up anyway for "other possible reasons to go to the vet". When I explained that there were no other reasons I'd need to take my snake to the vet, and asked what the point would be in signing up now, rather than waiting six months, he hung up on me.