What the heck happened
I wanted to see how much pet insurance would cost. Clearly I need to take my business elsewhere. You don’t need to know my house counter materials to give me a pet insurance price!
So easy
Love this app!! So user friendly!!
Claim open for 4 months
I have had a claim open for 4 months without being approved or denied. This is a terribly slow and inefficient process. I’d encourage you to explore other insurance options to avoid being stuck in a similar position as me.
🚨‼️IF YOURE COMPARING PET INSURANCE COMPANIES, READ THIS FIRST
I honestly don’t even know where to begin.
I purchased Lemonade Pet Insurance because I believed that if my cat ever experienced a true medical emergency, I wouldn’t have to choose between saving his life and financially destroying my own.
That day came much sooner than I ever imagined.
Earlier this year, my two-year-old cat, Theodore, began having urinary symptoms.
From the very beginning, nothing about his medical care was ever certain.
Initial imaging raised concern that there might be a bladder stone, but no one could say with certainty whether what they were seeing actually represented a bladder stone or another finding. We were told additional evaluation would be necessary and that surgery would only be appropriate if a bladder stone was ultimately confirmed.
We followed every recommendation we were given.
Theodore was placed on a prescription urinary diet and monitored closely. At his follow-up appointment with our primary veterinarian, we were told there was no evidence of a bladder stone, and his symptoms were believed to be most likely stress-induced Feline Idiopathic Cystitis (FIC).
Like any pet owner, I trusted the medical professionals caring for him.
I genuinely believed we had turned a corner.
Then, without warning, everything changed.
Theodore suddenly became violently ill. He was vomiting, screaming in pain, straining constantly, and when I looked at him, a large amount of tissue from his rectum was literally protruding from his body. It was so severe that I couldn’t even see his bottom anymore. I had never seen anything like it in my life and genuinely thought he was dying.
I completely panicked.
I spent hours calling what felt like every emergency veterinary hospital throughout Marin County and San Francisco trying to find someone who could help him. Many couldn’t take him, others had incredibly long waits, and some quoted surgical costs that were simply impossible for me to afford as a recent college graduate trying to find full-time work.
Eventually, one emergency hospital was able to take Theodore immediately. They diagnosed him with a severe rectal prolapse that required emergency treatment and explained that if they couldn’t successfully reduce it, he could require even more invasive surgery.
During Theodore’s emergency evaluation, they also identified findings concerning for a possible bladder stone. Even then, there were still questions. A few days later, my primary veterinarian performed additional imaging, confirmed Theodore did in fact have a bladder stone, and performed a cystotomy to surgically remove it.
Between both emergencies, my veterinary bills exceeded $5,000.
I simply couldn’t afford that.
My partner stepped in and covered those costs because there wasn’t another option. Without his help, I honestly don’t know how I would have gotten Theodore the emergency treatment he desperately needed. I fully intend to pay him back, but that doesn’t change the reality that I purchased pet insurance so I wouldn’t have to face situations like this alone.
This is exactly why I purchased pet insurance.
Instead, Lemonade denied both of my claims as pre-existing.
I completely understand that pet insurance policies exclude pre-existing conditions. That is not what frustrates me.
What frustrates me is that Theodore’s entire medical journey was filled with uncertainty. Every step depended on new information, additional testing, and the medical judgment of the veterinarians treating him. His diagnosis evolved over time because that is how medicine works.
Yet when Lemonade reviewed my claims, all of that uncertainty seemed to disappear.
Instead, everything was treated as though this had always been one obvious, uninterrupted condition from the very beginning.
After Theodore’s surgery, I obtained additional records from the veterinarian who actually performed the cystotomy. She documented that she was more confident there was not a bladder stone at Theodore’s prior recheck and that the bladder stone removed during surgery had developed over the following several weeks. I submitted those records believing they would meaningfully contribute to the review of my claim.
Instead, I received another denial that largely repeated the same explanation as the first. I was never given a meaningful explanation addressing my veterinarian’s documented medical opinion or explaining why Lemonade reached a different conclusion.
Trying to save my cat’s life while simultaneously fighting with the company I had faithfully been paying every month for exactly this kind of emergency was one of the most stressful experiences I’ve ever been through.
As a recent college graduate navigating one of the toughest job markets in years, I don’t have thousands of dollars sitting around for unexpected emergency surgeries. Pet insurance was supposed to provide peace of mind during one of the worst moments of my life.
Instead, I found myself spending countless hours gathering medical records, writing appeals, contacting veterinarians, and trying to understand why the additional evidence I submitted didn’t appear to change anything.
I’ve now requested formal reconsideration of both claims, and if Lemonade continues to deny them without substantively addressing the additional veterinary evidence, I intend to pursue review through the California Department of Insurance.
I truly hope my experience isn’t the norm.
But based on what I’ve experienced, I cannot recommend Lemonade Pet Insurance.
If you’re considering pet insurance, don’t just compare monthly premiums. Ask yourself how confident you’ll feel if your pet experiences the worst day of their life and you need your insurance company to thoroughly evaluate your claim. Unfortunately, that wasn’t my experience with Lemonade.
If anyone has had a genuinely positive experience with another pet insurance company, I’d sincerely appreciate your recommendation.
I purchased Lemonade Pet Insurance because I believed that if my cat ever experienced a true medical emergency, I wouldn’t have to choose between saving his life and financially destroying my own.
That day came much sooner than I ever imagined.
Earlier this year, my two-year-old cat, Theodore, began having urinary symptoms.
From the very beginning, nothing about his medical care was ever certain.
Initial imaging raised concern that there might be a bladder stone, but no one could say with certainty whether what they were seeing actually represented a bladder stone or another finding. We were told additional evaluation would be necessary and that surgery would only be appropriate if a bladder stone was ultimately confirmed.
We followed every recommendation we were given.
Theodore was placed on a prescription urinary diet and monitored closely. At his follow-up appointment with our primary veterinarian, we were told there was no evidence of a bladder stone, and his symptoms were believed to be most likely stress-induced Feline Idiopathic Cystitis (FIC).
Like any pet owner, I trusted the medical professionals caring for him.
I genuinely believed we had turned a corner.
Then, without warning, everything changed.
Theodore suddenly became violently ill. He was vomiting, screaming in pain, straining constantly, and when I looked at him, a large amount of tissue from his rectum was literally protruding from his body. It was so severe that I couldn’t even see his bottom anymore. I had never seen anything like it in my life and genuinely thought he was dying.
I completely panicked.
I spent hours calling what felt like every emergency veterinary hospital throughout Marin County and San Francisco trying to find someone who could help him. Many couldn’t take him, others had incredibly long waits, and some quoted surgical costs that were simply impossible for me to afford as a recent college graduate trying to find full-time work.
Eventually, one emergency hospital was able to take Theodore immediately. They diagnosed him with a severe rectal prolapse that required emergency treatment and explained that if they couldn’t successfully reduce it, he could require even more invasive surgery.
During Theodore’s emergency evaluation, they also identified findings concerning for a possible bladder stone. Even then, there were still questions. A few days later, my primary veterinarian performed additional imaging, confirmed Theodore did in fact have a bladder stone, and performed a cystotomy to surgically remove it.
Between both emergencies, my veterinary bills exceeded $5,000.
I simply couldn’t afford that.
My partner stepped in and covered those costs because there wasn’t another option. Without his help, I honestly don’t know how I would have gotten Theodore the emergency treatment he desperately needed. I fully intend to pay him back, but that doesn’t change the reality that I purchased pet insurance so I wouldn’t have to face situations like this alone.
This is exactly why I purchased pet insurance.
Instead, Lemonade denied both of my claims as pre-existing.
I completely understand that pet insurance policies exclude pre-existing conditions. That is not what frustrates me.
What frustrates me is that Theodore’s entire medical journey was filled with uncertainty. Every step depended on new information, additional testing, and the medical judgment of the veterinarians treating him. His diagnosis evolved over time because that is how medicine works.
Yet when Lemonade reviewed my claims, all of that uncertainty seemed to disappear.
Instead, everything was treated as though this had always been one obvious, uninterrupted condition from the very beginning.
After Theodore’s surgery, I obtained additional records from the veterinarian who actually performed the cystotomy. She documented that she was more confident there was not a bladder stone at Theodore’s prior recheck and that the bladder stone removed during surgery had developed over the following several weeks. I submitted those records believing they would meaningfully contribute to the review of my claim.
Instead, I received another denial that largely repeated the same explanation as the first. I was never given a meaningful explanation addressing my veterinarian’s documented medical opinion or explaining why Lemonade reached a different conclusion.
Trying to save my cat’s life while simultaneously fighting with the company I had faithfully been paying every month for exactly this kind of emergency was one of the most stressful experiences I’ve ever been through.
As a recent college graduate navigating one of the toughest job markets in years, I don’t have thousands of dollars sitting around for unexpected emergency surgeries. Pet insurance was supposed to provide peace of mind during one of the worst moments of my life.
Instead, I found myself spending countless hours gathering medical records, writing appeals, contacting veterinarians, and trying to understand why the additional evidence I submitted didn’t appear to change anything.
I’ve now requested formal reconsideration of both claims, and if Lemonade continues to deny them without substantively addressing the additional veterinary evidence, I intend to pursue review through the California Department of Insurance.
I truly hope my experience isn’t the norm.
But based on what I’ve experienced, I cannot recommend Lemonade Pet Insurance.
If you’re considering pet insurance, don’t just compare monthly premiums. Ask yourself how confident you’ll feel if your pet experiences the worst day of their life and you need your insurance company to thoroughly evaluate your claim. Unfortunately, that wasn’t my experience with Lemonade.
If anyone has had a genuinely positive experience with another pet insurance company, I’d sincerely appreciate your recommendation.
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Great Company
These guys make everything very easy and simple to get all kinds of coverage. If you have questions or problems they are right there to help. I highly recommend you check out this fine company!
STAY AWAY FROM THIS COMPANY
AI scam! They are not the friendly company they portray to be
Rip off
Don’t get their car insurance. They tell you one thing and you get billed another. I wouldn’t recommend them to anyone. Except for renters insurance
lol
Whoever designed the onboarding UX needs to be fired cuz I could create something better in 2 hours
Poor connection
Unable to connect while perfect WiFi! Unable once connected to find my policies!!
Waste of time and money
Had them for about six months and then tried to make a claim and spent another six months trying to justify something that should’ve been easily covered on insurance. Best to just save your money and pay for the bills themselves.
The best insurance!
I use their rental insurance policy, and it is fantastic. It’s well priced, and when my car was broken into, they covered it with no tricks or gotchas.
AI powered scam
The entire app is run by AI including the claims and customer support. I don’t think they will actually pay out for anything, they just collect your money and deny your claim. This is one of the few companies that most places will not accept for renter’s insurance (hmmmm I wonder why). I wasted hundreds of dollars for the months I was “covered” and the claims submission AI was such a nightmare. Doubt I’ll ever see any of that money again, thanks for nothing !
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Happy path only and loses files
Inflexible process, didn’t recognize sent email even though I received reply back acknowledging email receipt. Would not accept link to invoice from vet. Would not accept screenshots of the bill. First they gave me wrong bill print out. You had no option to go back one step then let me submit the correct print out. Painful and inflexible process. Not good UX, appears happy path development only.
I sent these people photos of the vet bill. Now a week later they are telling me they cannot process because they don’t have the file I already gave them. TERRIBLE. Is this just a stall tactic to try to get out of paying what they owe? You can’t reach an actual human to question how they lost the files.
I sent these people photos of the vet bill. Now a week later they are telling me they cannot process because they don’t have the file I already gave them. TERRIBLE. Is this just a stall tactic to try to get out of paying what they owe? You can’t reach an actual human to question how they lost the files.
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Find alternatives
They may be good rates but they have shady business practices. They charge you even after you’ve moved without any notification, keep talking in circles asking for documentation, and just seem to be playing games.
I’m so glad I never had to file a claim I can’t even imagine what that would be like if they won’t even give back money they charged in a very old school shady business way.
Check other options I implore you.
I’m so glad I never had to file a claim I can’t even imagine what that would be like if they won’t even give back money they charged in a very old school shady business way.
Check other options I implore you.
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Outrageous prices
Don’t waste your time, they use the excuse of giving you a fixed rate for how many miles you drive but leave out the part that they will still charge you an outrageous amount for just leaving your car on the lot. Go with someone else don’t waste you tile with this joke of a company.
Buyer beware
Just be prepared, they will do everything they can to connect every treatment and procedure to pre existing conditions. And good luck talking to a real person - everything is handled by genetic bits and general responses, if you get a response at all. I had a claim denied so fast I know a real person didn’t review it, and no one would listen to my concerns or statements. Waste of time and money. Just remember it’s insurance, and they are out to make money on you so they will cover as little as possible. I had a much better experience with MetLife pet.
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But fix
I been using the app for a few months now recently it’s just been making it hard to log in it will sign me out if I let the screen sit for too long and it no longer saves my inquiries
What
What the heck happened to this app? It ALWAYS disconnects and has an error for basic basic questions like “when is my bill date” and when I try to contact customer service it’s “oops the app went sour” like Fix the F app there is a million insurance companies and you’re failing
Worst experience ever with renters insurance
I stopped my coverage several months ago and out of nowhere I received collections emails and threats saying they are going to report the none payment that I didn’t owe to my credit report! How can a company charge for renters insurance I didn’t have? Also they even publicly stated that they cannot retroactively charge for insurance that I didn’t receive. Please notice this action and don’t ever take a chance with this company they are definitely the worst most shady renters insurance company out there!
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Pet insurance
The pet insurance was a waste of my money and the app is completely useless. Can’t even edit information about my cat, can’t navigate anything through the app, the chat bot doesn’t even let me type when submitting a claim you can only select from a drop down menu. Worthless. Should have taken the time to do more research.
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