Lemonade Pet Insurance Reviews

We thought it was a good idea to have pet insurance until they rejected EVERY claim.

When I signed up it said no waiting period for illness, only pre-existing conditions and now they're telling me they can't process a claim since there was a waiting period which was the only reason I went with them. Found cheaper coverage elsewhere.

My puppy went through her first heat cycle at 7 months. I had plans to spay her afterwards in 3 months. At 9 1/2 months she developed pyometra. Full Blown pyometra. Extremely rare in a puppy. She is a small dog, weighs 9.5 pounds. She had the surgery and now post op she is having some issues that I hope will clear up. Lemonade has been great. Approved all my claims within a day, often within an hour. I am so thankful for this company and the way we have been treated.

I am currently paying for the top tier pet insurance for my two dogs. I went with Lemonade because it was regularly recommended online, and in my vet's office. And, for the wellness visits my reimbursement was seamless. However, when I had to take one of the dogs in for an ear infection, and then a couple weeks later a GI bug I have had nothing but delays and deflection. I immediately submitted both the receipt for the visit and the vet's notes and continue to get emails stating that my "Claim is under review". I could understand a week to review and pay out a claim, but it's getting close to 6 weeks. It's starting to feel like all this company is good for is taking my monthly payment with no intention of covering any of the issues I'm paying for.

Unfortunately, I cannot recommend Lemonade Pet Insurance. They said my dog’s claim was pre-existing in which I provided clear evidence that it was not. They then had a review team to look it over again, and it was taking forever. I gave up and dropped the policy. Most of the correspondence seemed much like AI. Basically giving you the runaround.

This is the worst pet insurance I have ever seen. They claim to cover but when it comes down to actual coverage they always have some excuses of why that visit can't be covered or this medication or procedure. So you never get coverage or reimbursed the 80% that is promised. They make you sign a honesty form but they are the most dishonest company. Do not use them to insure your pet. It's a waste of money and you will be paying 100% every visit anyway. I work for a human doctors office and I deal with insurance all day and I don't think pet insurance is that much different from human insurance and this company is a scam. The only word they know is denied.

This company is a scam. I purchased insurance for my dog, but when it came to putting in the claims, they never helped me with them. They literally laughed at me and said they weren’t gonna help me cover any of it. So when I canceled my policy, they still took money out of my account and then when I asked him for a refund because they shouldn’t be taking money out of my account they only gave me a partial refund and they kept the rest of my money.

This company is the biggest scam! Do yourself a favor and avoid at all costs. Got pet insurance through them after being recommended by a friend, worst decision ever. Shortly afterwards my dog started experiencing GI illness symptoms and was later diagnosed with IBD after a several month process and work up period. They refused to cover anything, claiming it was “preexisting” since was documented he has a history of soft stools. Yes?! What dog doesn’t have a history of diarrhea at some point in the past, and regardless it was completely different GI symptoms he was having (constipation/abdominal pain). All the vets I saw for this agreed it was not preexisting and should be covered, they ever wrote appeal letters to that effect. Company completely disregarded them.

We started our Lemonade policy in May 2026 due to getting a new puppy. We already had a 6-year-old dog and Lemonade seemed to have the best deals when you bundle. Little did we know, we would tragically lose our 6-year-old dog due to ITP at the beginning of July 2026. Since then, Lemonade has been nothing but absolutely terrible. They never canceled the policy of our dog who passed away; they "accidentally" canceled our puppy's policy as well, and then the premium went up when it was reinstated. They are still processing the claims of her passing with no estimated time of when it will be done. Their communication is horrendous. It takes forever to talk to a real human and not a bot. I wouldn't recommend Lemonade to anyone. As we are grieving the sudden death of our 6-year-old dog, they have managed to make things 1000% worse. Please, do not go with Lemonade if it is the last thing you do.

Do not waste your money with this pet insurance company. They’re all about pressing the customer to submit honest, trustworthy insurance claims, but they do not practice what they preach. They actively look for ways to say “no”, invoking the “pre-existing condition clause” liberally. I’m extremely disappointed with them and I will never recommend this company to other pet owners. See less.

Be really careful if you choose to move forward with this insurance company. It took them 3 months to process a claim (and deny), while I continued to pay monthly payments. Also, do not do the exam fee upgrade, they will not pay for it and use any excuse and loophole to get out of it. Extremely disappointed, I have never had such a poor experience with a pet insurance company before. I canceled obviously and will be looking elsewhere. Out $300 for the monthly payments that got me nothing though. Steer clear.

I work in the world of insurance, I am a lawyer and I am Israeli and know this company well (founded by Israelis). They have attempted to create an insurtech model but in actuality, and possibly by design, have created a model that, in my opinion, is not user friendly (at best) and is creates technical/technology obstacles that make the process complicated and can lead to unfair and possibly bad faith outcomes. This has been my personal experience and is my opinion based on said experiences. I can only hope they will do better and listen to their insureds.

They email me at least twice a day. I have unsubscribed roughly 10 times. Yet, they continue to send their junk emails. A very sleazy company. I would not use them for any type of insurance. I filled a complaint with the BBB.

Pet owners beware!!!! My dog had an accident a couple of months back. She had to have surgery recently, I sent in a preliminary Invoice of the estimated cost beforehand. When I turned in the actual bill, after the surgery, which was $6000, they refused to pay it. This is, after I have been with them for about 6 months, and they have had every opportunity to look at every visit I've ever had with my dog. They said, looking back in October when she had gone in, they noticed she was limping on her left leg and the doctor noted he thought it was soft tissue, but did not do x-rays so they were not exactly sure what it was.

I would not recommend Lemonade pet insurance. I filed claims for both of my cats for an upper respiratory infection and diarrhea, and Lemonade denied the claims as “pre-existing conditions.” Their reasoning was that when my cats were kittens, they had diarrhea and colds once before. Because of that, Lemonade claimed that unless they went 12 months without any related symptoms, anything involving diarrhea or respiratory issues would be considered pre-existing and not covered. That feels ridiculous to me. Kittens get colds and upset stomachs sometimes, and now Lemonade is using that to deny coverage later. This is exactly the kind of situation people buy pet insurance for, and when I needed it, they found a way not to pay. Very disappointing experience. Buyer beware.

I purchase pet insurance with Lemonade Pet Insurance. Took my dog to the vet. When trying to submit my bill they ask me for my social security number so I decide not to use lemonade again. When my policy expired they kept trying to take my money out of my credit card and I had put a hold on the fund because I didn't want to use lemonade again. They bill me for $200 and I never told them to withdraw my money from my account. STAY AWAY FROM THIS INSURANCE. DO YOURSELF A FAVOR.

I am cancelling my policy with Lemonade. I have coverage for my 4 year old chihuahua mix adopted from a shelter. Her medical records consisted only of the immunizations they provided. I recently took her in for a wellness visit and immunization update. A month later I have no payment - yet they advertised RAPID payment. The app did not allow me to submit claims for immunizations with a Wellness visit - it submitted the information with only the visit charge. I did have to resubmit the invoice due to my error. They contacted me for information ONLY when I contacted them for a status update. My claim is still "In review" nearly a month after the visit. Lemonade is WORTHLESS - I am contacting another company for coverage.

Lemonade pet insurance is a scam. It is a terrible company. Do not give them your money to ensure your pet. They're being sued by everybody so they are going to try to rip everybody off for prices and scams.

I am extremely disappointed with my experience with Lemonade Pet Insurance. I purchased coverage expecting support when my dog actually needed care, but instead I was met with claim denials and frustrating policy interpretations. It feels like the company looks for reasons to deny claims rather than help pet owners. What’s especially frustrating is that they continue collecting premiums, but when it’s time to use the coverage, the fine print suddenly becomes the focus. A 1-year-old dog will naturally have occasional symptoms while growing and figuring out food sensitivities. Denying coverage based on that feels unfair and misleading. I expected protection for my pet, not excuses

I just signed up my two year old female and nine year old Sheltie. After getting the quote for the basic insurance, I was offered the add ons. However, nothing was disclosed in the app while signing up in regards to the length of waiting periods nor was it disclosed when I added on preventive care and dental that Lemonade only paid $75 a year for preventive flea & ticks meds and the dental benefit was limited to $150 per year!!! No pre existing conditions are ever covered, this coverage only really helps if you have expensive unanticipated illnesses or accidents.

If you reach out you will be responded to by AI. When you do get a person, they are not pleasant or customer driven. They constantly rejected straightforward vet visits that should have been covered. Now they are charging me for the service ands associated late fees after I cancel.

STOP sending me email SPAM every single day, you losers!!! I've never even visited your site or clicked on a link. Don't tell me to unsubscribe either, since I never subscribed and all that does is cause more spam. You seem like desperate scammers with this kind of approach. Knock it off and stop spamming everyone!!

Lemonade has been a nightmare thus far. I had quite a few vet. visits for one paw injury on one dog. I submitted all the bills, which should be covered under their policy minus the $250. deductible. That same day I also spoke with an actual person off and on of 90 min. regarding the bills, etc. She said they would get back to me within the week. 17 days later, Lemonade has never gotten back to me. I've spoken with someone several times and am always cut off. They now tell me they have lost my records. It goes on and on. Truly, this is very poorly run and appears to be a big rip off.

I signed up after reading positive reviews about Lemonade Insurance. However, I paid $86.00 a month for 4 months, submitted 2 claims..and both were rejected. Everything I had to pay for out of pocket, nothing went towards his deductible. I absolutely do NOT recommend Lemonade. If you've had a good experience with them, then you're one of the lucky ones.

We bought Lemonade for our Westie when she was about 18 months old. We were her second family. My partner thought it was a waste of money, despite the low monthly premium, but I disagreed and bought it. We didn’t use Lemonade until she was diagnosed in September 2025 with a trigeminal nerve sheath tumor next to her brain stem. The diagnosis was devastating - she was 5.5 years old and other than the complete loss of muscle on the right side of her head, was symptom free. The veterinary neurologist told us we might have as much as a year without treatment. The only treatment was radiation and that shrinks the tumor but doesn’t kill it, delaying the inevitable by 1 -3 years. My partner went through chemotherapy in early 25, so we are well aware of how cancer treatments can destroy quality of life. We chose to enjoy life with her for as long as we had.

Worked in 3 different tech companies over the past 25 years. Lemonade is for the tech-savvy consumer and they condescendingly let you know that is an expectation regarding consumers of their product/service. They support IOS and Google platforms whilst using their app, but do not allow interaction via PC/windows. Not a deal breaker, but if you like to keep records via PC consideration.

Would have given zero stars. A waste of our money. They would not pay us back after our cat got sick, because they determined it was related to a previous sickness, 6 months before we started his coverage. Thought they would at least cover his medication or diagnostic tests or even the office visit. Nothing!!!

Updated on 06/08/2026: UPDATE: I wrote a terrible review of my experience with Lemonade pet insurance to which they responded below. Lemonade did absolutely nothing besides send an automated response to my appeal, despite responding on two platforms. Again, please do not use Lemonade for pet coverage. They are fraudulent.

Hello everyone, I’ve been dealing with this company for almost a month now. Worst decision I’ve made in a long time. I have two dogs Gizmo and Cosmo. Both of them are on my plan. This has been so difficult to get my claim approved. They’ve been asking the same question over and over again. “Can you please provide me with the medical records” My veterinarian has cc every email that was sent over and they still can’t figure out that these documents have been sent over. My previous or reoccurring issues that have happened with my dog so there’s no reason why I shouldn’t have received a refund already. Lizzie a manager that is taking care of my case supposedly will not return my phone calls and the emails that they sent out you cannot respond to. I’ve asked for supervisor several times no one calls back. No one does their job properly. I am so angry and frustrated. Please do not use this company. Please cancel ASAP and go with healthy paws.

WARNING TO PET OWNERS: Think carefully before choosing Lemonade Pet Insurance. I insured my senior cat in early 2026. Within weeks of the policy taking effect, my cat became seriously ill — not eating, losing weight. I sought care at my regular vet and then a specialist for an ultrasound and full evaluation. Total bills exceeded $2,500. Lemonade denied every single claim. Here is what happened:

I purchased their insurance February 3, 2026 for a kitten that I had gotten three weeks prior. On January 26, 2026, I took my kitten to the vet because I suspected he had an upper respiratory infection that required antibiotics. At a follow up appointment a week later, his symptoms had not completely cleared up and my vet added another antibiotic to the mix. At that time, she mentioned that nasal polyps are a POSSIBILITY in cats but she DID NOT diagnose the presence of any nasal polyps.

It appears that Lemonade insurance is a scam. Was reading a bunch of reviews and forums and it looks like people have the same issue we have had. They just deny claims and never pay. I've put through multiple claims all of which have been denied. The most recent was a CCL tear which the reason we got insurance was to cover big issues if they happen. This was a big issue and all they say is it was a pre-existing condition so it's denied. Apparently there is a weird by-law that nobody would ever figure out that would allow them to deny it. I saw some other comments where people had the same issue of them just saying it's pre-existing condition so they can just deny the claim.

Horrible customer service, cannot speak to a live person. Refusing to pay my claim saying they need more information that has been submitted already

Have used Lemonade for our pup for a while etc. 5 days ago submitted a claim, If a payment approved would ONLY be applied to my deductible, Either way, I submitted all docs required through their app. Get an email asking for same docs again and then said calling my vet. It was a simple claim, no questions of past history etc. Basically implying were not going to approve, This was a $241 which I knew would apply to my deductible, I am very unhappy with the delay, asking for more docs I already submitted, Even left a voicemail in their app explaing why the vist they suggested I do when filing the claim. 5 days ago, I have no time to mess with all this.They were looking for any way not to approved, I cancelled claim, cancelled BOTH my policies with them, I will find a better pet ins, Policy.

I was very unhappy with my experience with Lemonade pet insurance. I purchased it for my new puppy and the first time I attempted to use it for an illness where my dog threw twice one night and I took him into the vet the next morning, Lemonade denied my claim stating it was, "a pre-existing condition" simply because he had had worms when he was a newborn, (as many puppies do), which had been treated and cleared at the time. He had no worms (verified) when he came to me and when he vomited. The vet tested him and he was clear for worms, none. In the end it was undetermined as to why he vomited but possibly due to new heartworm medication on an empty stomach. It took Lemonade about a month to decide that they would not pay because it was "a pre-existing condition" which it clearly was not. I switched to Spot Pet Insurance who my daughter has had great experiences with.

The absolute worst pet insurance, would avoid them at all costs, my dog had an accident where he had his leg caught and couldn’t get it out which resulted in a torn ACL, they refused to pay one cent of the cost, saying it was a pre-existing condition, he literally had an ACCIDENT that had his leg caught and that resulted in an injury but they refused payment!!! Didn’t even cover the xray

Lemonade pet insurance is extremely expensive when you consider you are dealing with an AI agent 90% of the time. My dog was recently diagnosed with Cushings disease after several years of testing for Cushings disease and having normal test results however Lemonade is still considering the Cushings a “pre-existing condition” in spite of him having years worth of blood tests showing normal results while covered by their policy. Their reasoning? His ALP liver levels have been rising over the last 5-6 years (which happens often in older dogs with no disease or illness, according to my vet). So in reality, they’ve denied my dogs new illness because they’ve decided he must have had it before (in spite of several tests proving otherwise during his coverage period). Do yourself a favor and get a pet insurance company that actually pays humans to review claims and doesn’t just run things through AI.

New customer. Submitted 3 claims. Still no approval, days/weeks. Very disappointing. Will contact insurance commissioner.

Lemonade finds any reason NOT to cover a claim. My dog had ACL surgery on her right leg in August, we then got pet insurance because we didn't want anything like that to happen again. In March she tore her left ACL so now they won't cover it because they consider it a pre existing illness, lol. That's like telling me because you have something wrong with your right arm then your left arm is going to go out too. 🤣🤣 What a SCAM!! DO not get pet insurance from them, save your money.

My experience with their claims department was terrible service, they requested records never ordered them I had to. I wrote to them three times. No response other than to tell me they received my email and they are reviewing my dogs claim. As of this writing I still have not heard a word on my claim, been about 2 plus weeks. If you buy pet insurance buy it for major illness or accident only, not everyday services. That is a rip off. They will add pre-existing conditions whenever they can and they limit your benefits payable as much as they can.