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.

So Lemonade had me take some house photographs and asked some questions as we’re approaching the first renewal of our home insurance. Separately, we had some hail storms and our roof got beat up. I had a roofer take a look and he said the roof is a bit old (the pictures he took supported that) and it has impact damage. Well as I’m researching my options, Lemonade says they are dropping us because we have a tree that is close to the house, it’s a small one, and our sewer line is cast iron under the house. Since the hail damage occurred under the Lemonade insurance, is it worth trying to file a claim before they drop me? Will it make it harder for me to find insurance? I imagine a damaged roof is harder to insure than a new one but I’m not sure

Hello, I have lemonade insurance for all 5 of my cats. Today I got an email that my claim for my cat was only partially approved (the exam and urinalysis) but not the X-ray. The X-ray was to also check the bladder for uti, and some crystallization was found. They also X-rayed his lungs and found out he has mild asthma. They did not approve the X-ray (and will not approve future asthma treatments) as they’re saying it was a pre existing condition, but it is most definitely not. He went in for sickness twice and both times experienced wheezing because of the sickness and with X-rays was not diagnosed with asthma those times, he also has a nasal anomaly/polyp that causes a funny sounding breathing from his nose, again not asthma but this has been noted in his notes. Has anyone had this happened and successfully appeal? My vet is great and would likely write medical notes or a letter or whatever to help me get his asthma treatment covered.

I adopted bonded pair of kittens and got them on pet insurance with trupanion at 8 weeks. They just turned two and trupanion has increased my premiums by 70 % in those two years. I understand they don’t raise the premiums based on pets age, but at this rate I won’t be able to afford to insure them until they get old. Looking at switching to lemonade - my one kitty has two minor claims and my boy has none. I realize her two claims will be pre-existing but they aren’t chronic issues. To the cat parents with lemonade- do you like it? Are you happy? I know I risk their premiums rising as well but at least I can afford more coverage with a smaller deductible to start. Would love your thoughts I want the best for my babies!! Thank you

My dog was thrown off a balcony by what I believe was the neighbors kid. Broke both of her front legs. I have the police involved and investigating. The vet bill was over $13k. Her bones are being fused to reduce the chance of lifelong pain from this. Here’s the deal, I put $5000 down for the surgery (and paid another $1500 for the initial emergency vet visit.) The claims rep is asking for proof the balance I owe the vet is 0 and that the invoice is paid in full. I read the policy and there’s nothing in there that says I have to prove that it was paid in full. The closest I found was this: “Submitting your claim To expedite your claim review, please file your claim as soon as you can. However, in cases where this isn't possible, we'll accept claims for review up to 180 days from the date of treatment. We require itemized invoices and receipts detailing your pet's information, date of treatment, cost of the services, and the vet's information. You must provide all requested information and documentation during the claims process. All claim payments will be made to you, unless otherwise assigned by you and agreed to by us.” I pointed this out, told the agent I provided all the listed information and also pointed out that she has already tried two times to falsely deny my claim. (Initially she said I had coverage with someone else then said my policy was canceled.) I also asked her where in the policy I am required to provide what she is asking. Can they force me to pay this in full before they refund me? I put the $5000 on credit cards with a 40% interest rate so I’m trying to get this resolved asap. I’m beyond stressed, but thankful the vet at least allowed us to put $5000 for surgery instead of forcing us to put her down because I don’t have access to that sort of money. Even the $5000 was difficult to acquire. Yes I realize now I made a bad insurance decision but that doesn’t help me in this immediate moment.

Hey My dog and I are moving to NYC this fall. She's a 3 year old spayed beagle. I did some research and lemonade was suppose to be the cheapest option but they are quoting me 107 dollars per month for a 80% deductible! What is happening? Any other options for pet insurance? I was hoping to be under 25 dollars per month for my pet so that I can put another 15 towards renters insurance. I am a student for the next year and a half so I wanted to be careful with money just for the next year and a half. Any help will be appreciated ! Edit 1: you guys have been so helpful with such amazing suggestions! Moving internationally all these suggestions will help me make the safest decision for my girl! So thank you so very much !!

Hi everyone, I have a 9 month old maltipoo. I suspect he has chronic GERD since he throws up yellow bile if he goes around 6-8 hours without a full meal (like overnight or when he is stubborn and wont eat his lunch). This is to say I want to take him to the vet asap. But before that I wanted to add dental coverage to his policy just in case this issue persists and it causes teeth problems later in his life and then they wont cover it because it was a “pre-existing condition.” Dental work on dogs is very expensive! My problem now is that I emailed asking how I can go about adding this to my policy since I couldn’t find how to do so on their app. This is the response I got. i don’t understand why I can’t ADD coverage. I want to pay MORE money. I wasn’t aware that when I bought the insurance for the year it was locking the policy for that entire year. Now I’m thinking of cancelling all together and renewing with the actual coverage that I wanted. Has anyone tried doing that? Would they let me? Or would they recognize my name and vets and ban me or something. Thank you for all the help TLDR; has anyone been able to cancel their Lemonade pet insurance and renew with the actual coverage/policy they wanted?

I’ve been using it for my dog for a few months now and I’m starting to feel uncertain about whether it’s the best option. The claims process has been much slower than expected, with a lot of in review updates and I haven’t received any reimbursements yet. It’s making me a little nervous especially since my vet bills are starting to stack up. I’m just looking to see if others have had similar experiences and whether you think I should stick it out or switch to another insurer.