Great great insurance
This insurance is amazing. I really recommend them. My dog has just been diagnosed with kidney failure and they have covered everything they said they would. And they put the money back in your account the very next day. I just had an ultrasound done on her for 1500$ and they put 1350$ in my account the next day with no questions asked
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Awful
I have a pet policy and have submitted cut and dry claims with all necessary documentation. After a month waiting on several claims, I had to follow up and beg for a status update. For $88 a month for over a year, I’ll be looking elsewhere.
Not recommended for cat insurance
I submitted three invoices after taking my cat to the vet for showing signs of a uti. We did multiple tests which concluded that he has FLUTD. He has shown signs of this three years ago but hasn’t since. Lemonade approved two of my invoices but denied the final, most expensive one for X-rays and antibiotics. Stating that this is now categorized as a preexisting condition. All of this is pertaining to the same issue so it’s bizarre that they’re covering some but not fully.
His X-rays show crystals in his bladder and by lemonade’s logic, should he need surgery for that block, then he will not be covered as he peed outside of his litter box back in 2023 and I didn’t start coverage until 2024. Praying it does not get that far.
It’s certainly a cop out and typical shady insurance loopholes. I have 80% coverage with a $250 deductible so I’m getting less than 10% of his total bills paid. Might as well have saved up what I’ve spent monthly rather than have this service.
I will begin the process of looking for other insurance options for my cat.
His X-rays show crystals in his bladder and by lemonade’s logic, should he need surgery for that block, then he will not be covered as he peed outside of his litter box back in 2023 and I didn’t start coverage until 2024. Praying it does not get that far.
It’s certainly a cop out and typical shady insurance loopholes. I have 80% coverage with a $250 deductible so I’m getting less than 10% of his total bills paid. Might as well have saved up what I’ve spent monthly rather than have this service.
I will begin the process of looking for other insurance options for my cat.
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HORRIBLE
i really wanted to love Lemonade. the app is cute, the branding is great, and the concept of affordable pet insurance felt like a no brainer. but when it came time to actually use my policy i ran into a wall.
i filed a claim for skin allergies, completely unrelated to anything musculoskeletal and later tried to add physical therapy coverage at renewal. i was denied because of that prior claim. not because the claim was related. not because my dog had a pre-existing condition. simply because ANY processed claim within 12 months makes you ineligible for ANY new add-on, no matter how unrelated.
i escalated multiple times and was ultimately told by their most senior representative (Jeff W) that the decision stands and i can "revisit next year." no exceptions, no nuance, no acknowledgment that an allergy and physical therapy have nothing to do with each other.
the fine print here is broader than they make it seem when you're signing up. if your pet has had any claim at all you essentially can't grow your coverage. for a pet insurance company that markets itself as modern and customer friendly, this policy feels outdated and frankly unfair.
i'd encourage any pet owner to read every single line before committing, especially if you have an active dog.
i filed a claim for skin allergies, completely unrelated to anything musculoskeletal and later tried to add physical therapy coverage at renewal. i was denied because of that prior claim. not because the claim was related. not because my dog had a pre-existing condition. simply because ANY processed claim within 12 months makes you ineligible for ANY new add-on, no matter how unrelated.
i escalated multiple times and was ultimately told by their most senior representative (Jeff W) that the decision stands and i can "revisit next year." no exceptions, no nuance, no acknowledgment that an allergy and physical therapy have nothing to do with each other.
the fine print here is broader than they make it seem when you're signing up. if your pet has had any claim at all you essentially can't grow your coverage. for a pet insurance company that markets itself as modern and customer friendly, this policy feels outdated and frankly unfair.
i'd encourage any pet owner to read every single line before committing, especially if you have an active dog.
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A terrible experience
★☆☆☆☆
Very disappointing experience with Lemonade car insurance. We purchased a policy covering four vehicles and canceled our previous insurance. Two of the vehicles are registered in my parents’ names, and both my parents and those vehicles were already listed on the Lemonade policy. We were later told that these vehicles did not meet their ownership and registration requirements and that the entire policy would be canceled.
These requirements should have been clearly explained and verified before the policy was issued. Despite multiple emails, we still have not received clear answers about how to keep the remaining vehicles insured or how they will address the additional cost we now face.
The quote to restart our previous insurance is $322 higher for six months. Switching to Lemonade has left us dealing with uncertainty, extra costs, and repetitive responses that do not answer our questions. Based on this experience, I would not recommend this company.
Very disappointing experience with Lemonade car insurance. We purchased a policy covering four vehicles and canceled our previous insurance. Two of the vehicles are registered in my parents’ names, and both my parents and those vehicles were already listed on the Lemonade policy. We were later told that these vehicles did not meet their ownership and registration requirements and that the entire policy would be canceled.
These requirements should have been clearly explained and verified before the policy was issued. Despite multiple emails, we still have not received clear answers about how to keep the remaining vehicles insured or how they will address the additional cost we now face.
The quote to restart our previous insurance is $322 higher for six months. Switching to Lemonade has left us dealing with uncertainty, extra costs, and repetitive responses that do not answer our questions. Based on this experience, I would not recommend this company.
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