Great insurance but system broken
The coverage is great but I’ve made three claims and each time it was a lot of time and effort getting the claims submitted via the app which is the only way to do it. It takes a lot of time to sort the issue out. Then it takes 24-48 hours for them to call back. Also, the checks took a long time. I also shared the link with a friend who signed up. I’m supposed to get a small gift for that. It didn’t process. I’m frustrated. I spent 30 minutes on the phone this morning sorting it all out. Welcome to our automated future.
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KKrustyBoppit
Phone only
Won’t let you submit a claim on your computer where all the receipts are sent. Instead you have to save them to your phone and upload them. So annoying.
JJsneixbrbe
Pet insurance review
I purchased Lemonade Pet Insurance for my dog Kismet in good faith to cover unexpected illnesses. In August 2026 Kismet was diagnosed with allergic dermatitis and bacterial folliculitis requiring multiple vet visits, Cytopoint injections, prescription antibiotics, medicated shampoos, and a specialized diet. The costs have been significant and ongoing.
Lemonade denied my claim citing a routine wellness visit from December 2025 as a preexisting condition. However at that visit no diagnosis was made, no treatment was prescribed, no diagnostics were ordered, and the veterinarian noted no physical findings consistent with allergies. Mild itchiness was briefly mentioned in passing among many possible causes. The treating veterinarian provided a detailed letter confirming this explicitly.
Despite submitting a formal appeal with supporting veterinary documentation, Lemonade upheld their denial. I have since filed a complaint with the New York State Department of Financial Services.
I chose Lemonade specifically to have coverage for situations exactly like this. A casual mention of mild scratching during a wellness visit being used to deny months of serious medical treatment is not what I understood I was purchasing. I would caution other pet owners to carefully review how Lemonade defines preexisting conditions before purchasing a policy.
Lemonade denied my claim citing a routine wellness visit from December 2025 as a preexisting condition. However at that visit no diagnosis was made, no treatment was prescribed, no diagnostics were ordered, and the veterinarian noted no physical findings consistent with allergies. Mild itchiness was briefly mentioned in passing among many possible causes. The treating veterinarian provided a detailed letter confirming this explicitly.
Despite submitting a formal appeal with supporting veterinary documentation, Lemonade upheld their denial. I have since filed a complaint with the New York State Department of Financial Services.
I chose Lemonade specifically to have coverage for situations exactly like this. A casual mention of mild scratching during a wellness visit being used to deny months of serious medical treatment is not what I understood I was purchasing. I would caution other pet owners to carefully review how Lemonade defines preexisting conditions before purchasing a policy.
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AAilicec28
RUN AWAY
Don’t purchase this insurance. Super expensive, any other insurances are way more affordable, it’s 100$ for every 350 miles driven ish… on top of base pay 120$…
AAlsterlite
Activate
i cannot control activate
LNLam duy nguyen
