Waste of time. Coming here for 20 years doesnt matter, they don't care about the animals Just how much money they can make off you. Don't bother calling you will be on hold forever just so they can give you a crap excuse as to why you're considered a new patient and not welcome. Happy holidays, they don't care if your animal needs help, they would rather lose your paperwork and say they aren't accepting "new" patients. I will make sure everyone i know either doesn't go here or transfers to an actual caring vets office. Rude and ruthless.

IU've had Lemonade for 2 years and I will be grateful to be rid of them soon. They encourage claims to be submitted via cell phone. They don't cover any "alternative methods" which I knew from the beginning. When I tried to submit a claim via cell, it was difficult. First, they wanted vet notes, that was fine. Then they wanted everything broken down into separate costs. Jess helped me so much and it took her a few days to tell me what I was due. I find the "fur baby" syndrome off-putting and they have other cute little titles. When I wanted to submit my 1st claim, they asked me for a photo of Tachi. I told them I didn't have time. I wondered why they wasted so much of my time. Healthy Paws and Embrace were wonderful. I didn't ever feel that submitting a claim was difficult. With Lemonade, I was asked for the blood tests, the vet notes and anything else they might want. I don't like working on my phone because it was so difficult to break down costs, as Lemonade asked for them. I was told that I could do everything that could rival Embrace and Healthy Pets. How wrong they were. I have never encountered such a complicated process to simply submit a claim. Maybe others are more agile on the cell phone. I do a lot of things on my phone but anything to do with money is from my laptop. Soon we'll be freed from their clutches and that will be a happy day.

Find a way to increase your premium each year and say they can decrease it if you decrease your coverage. Only filed one claim in the last year and I paid them more than they paid me. Emailed with complaint and Jeff/ Jess were of no assistance. They blamed it on state wide increase and inflation… but if it’s inflation then my coverage should also increase to ensure I can cover potential costs at a vet if needed. Just a money hungry company. Spending an extra $200 for same plan as previous year and no pet health changes. Also for claim submission on the app it’s all robot auto replies not a human.

I picked them because of the high ratings and price. After submitting two claims with them it has been nothing short of a scam. They conjure up the most ridiculous things to deny a claim and you can’t even speak to a live person to try and voice your opinion or attempt to prove that their information is blatantly false and nefarious. It is a frustrating merry go round of lies. I’ve given up. And now my dog needs to see a specialist and may need surgery and I have no insurance and now he will be considered to have an underlying condition that won’t be covered by a new carrier. I despise this company

“Insurance That Doesn’t Suck”? Think Again. Lemonade proudly markets itself as “Insurance That Actually Helps” and “Insurance That Doesn’t Suck” — but my experience has been exactly the opposite. I purchased pet insurance to protect my dog, Ellie, and instead was met with a series of frustrating, borderline absurd claim denials that make it clear this company is far more committed to avoiding payouts than supporting pet owners. Ellie needed surgery for a fractured tooth — something explicitly stated in their policy as covered if caused by an injury. Yet Lemonade denied the claim, claiming the fracture was due to periodontal disease, with no definitive evidence to back that up. When I challenged this and offered to provide clarification from my vet, I was told the record “didn’t support” coverage — unless I personally tracked down and resubmitted more proof. So much for help. Separately, Ellie’s eye and ear infections were denied as “pre-existing” based on seasonal allergy notes from months before — even though there's no way to prove these new conditions were caused by the same issue. According to Lemonade, any past symptom means nothing remotely similar will ever be covered again. That’s not reasonable — it’s predatory. Lemonade’s entire process feels engineered to deny coverage through technicalities and generalizations. It’s exhausting, disingenuous, and absolutely does not live up to the promises in their branding. I’ve canceled my policy, and I’ll be warning others: If you're looking for pet insurance that actually helps — Lemonade isn’t it.

It’s an absolute scam!!! We submitted a claim for my dog that was in the animal hospital for 10 days due to Addisons. She wasn’t diagnosed with it before our claim on 7/22 before. My dog went to the vet in January,( 6 months) before because she had gastritis. They saw she was vomiting and elevated pancreatic enzymes and denied our claim due to related symptoms. My dog received a bad batch of dog food, was even tested and came back with issues, totally unrelated to Addisons. I guess my dog can never vomit again at the animal hospital or whatever she has will be denied. Do not get pet insurance through these crooks!!!

I decided to go with Lemonade for my dog's pet insurance. I chose a deductible and a percentage of reimbursement. When it came time, the first time, to get reimbursed, I was amazed to find out that I would not be reimbursed for any examination. In other words, I knew I would not be reimbursed for routine wellness exams, like once a year; however, if my dog were sick, or in an accident, of course the first treatment would be the examination. If the examination is not included, then what exactly are we being reimbursed for?? I find this absolutely mind-boggling, almost like as a policy holder I have been completely cheated! Stay clear of this pet insurance!

Hi All, I’m here to both give a review and also ask a question. I’ve had lemonade insurance (wellness + accidental coverage) for about a year & 5 months now. At first, I really enjoyed it and didn’t have any issues with them, now I wouldn’t recommend if you have a pet that is known to get into incidents. I adopted my dog from a previous family who conveniently excluded his PICA issue. He is a 3 year old cavapoo who is notorious for taking anything he can get his hands on (socks, underwear, hygienic products, etc) and swallowing it. He’s had 2 surgeries (1 in March of 2024, and another in June of 2024). His first surgery was pre-policy and he was not insured with Lemonade. His second one I did receive reimbursement. We recently just went through another scare now in July 2025 (we have a behavior consult soon and take serious precautions, he is just VERY VERY sneaky) but thankfully, he was only hospitalized with fluids and passed the clothing in his stool, NO surgery was performed. Now, Lemonade is denying my claim to cover the costs of hospitalization due to “Foreign material ingestion being determined to be a Recurring Condition, which is not covered under this policy.” I reread my policy, and this is the exact language on it: “Conditions arising from a repetitive and specific activity that leads to decontamination (i.e., the induction of vomiting, stomach pumping, or treatment with charcoal), medical, or surgical treatment of your pet, if the same or a similar activity occurred two times within 18 months prior to the treatment date.” I’d like to add the claims specialist also got his medical records incorrect in her summary and argued that the decision was also based on the surgery that happened in March BEFORE my coverage took place. I got her on the phone and corrected her inaccuracies, but she is saying based on the recurrent conditions definition, those 2 incidents (March 2024 and June 2024) fall under the “18 months prior to treatment date.” From my understanding and the actual explicit language of the policy, how can the March 2024 surgery be considered if it predates coverage and there’s no legal language stating that pre-policy incidents are included?? Am I crazy or should I escalate this with DFS??, I am in NYC. Any lawyers’ thoughts welcomed!!

I've had pet insurance with Lemonade going on five years for my cat. I just had to submit a claim for her, but I'm super worried I'm going to get a rejection because the nurse took inaccurate notes. When we were discussing my cat's history, I said that her chronic gastrointestinal issues started after her first attack of pancreatitis 'shortly after she was adopted.' The nurse instead noted that her chronic gastrointestinal issues started 'right after adoption.' I'm super worried that this will lead to my claim being rejected and my former claims being marked as fraud. Her issues didn't start until about 3-4 months after I got her vet insurance, and that was after the illness waiting period had passed. They covered her pancreatitis when it occurred in March 2021, and I adopted her in November 2020. Does anyone have any advice on how to prepare for the rejection which I assume is coming? Is the only thing I can do is ask the company to review her old vet records and see how they don't line up with what the nurse typed before that moment? Any advice is welcome!

Hello! I am struggling to find a good plan for my older cat. I am moving out for college and my apartment requires my cat has insurance. My family never considered pet insurance for her, so it's quite a struggle. Im an undergrad and I love my cat a lot, I grew up with her. She's the cutest torbie short hair with a beautiful coat. But she is 12 years old, with quite a few preexisting conditions. She has arthritis issues and a pretty bad knee, a partially amputated tail from cysts, and has had teeth issues as well. Honestly, considering her pre-existing conditions, I know I will not get much from insurance besides maybe small coverage for check-ups. Lemonade will not let me file for her because of her age. If anyone has recommendations, I am considering a cheaper policy. I am looking into FIGO, but obviously, I have seen bad reviews for every company so I am pretty stuck on what to do.