Lemonade Pet Insurance Reviews

This company is a scam and the worst pet insurance company I’ve ever dealt with. I brought my pet into the ER vet with respiratory distress. I paid over $850, and thought it would be okay because I had passed my waiting period for coverage. This company is computer generated in its questions and if you put the incorrect dates or answer honestly about your pets health (which should be covered based on all the add ons I pay for in my monthly premium and has never been an issue in previous insurance companies), the claim was denied. I waited a long time for this claim to be denied, and after escalating it to hopefully human, review, they took over a week to review it, and still denied it. They claimed because my pet experienced the same symptoms during the waiting period, before the insurance officially that they denied the claim because it was considered a pre-existing condition.

You got the worst service. I never got an answer about reimbursement. My dog has a teeth-cleaning service; the cost was over $ 600.00. I never got an answer from you. I will definitely not recommend you guys for the lack of serious customer service. If somebody reads my review, do not spend your money here. I am disappointed with the poor service. I will look for another pet insurance absolutely, and I will not recommend you to all my friends and family.

Took my dog for a test for Cushings disease but the claim was denied before I even got the results. The only reason he was taken is for "testing" because the Dr. said that I should get him checked but they determined that it was pre-existing, even though there is no diagnosis??? I guess if he starts itching, they'll tell me it's because he has long hair. Please don't answer back giving me an answer like "we are sorry that this was the results that you were not looking for....etc". However, I gave you 2 stars because you were fairly quick on screwing me over.

Avoid this company at all costs. It is largely AI and chatbot-driven. I have previously had good experience with this company but most recently that has changed as a result of one of my cats battling some ongoing issues over the last 4-5 months which has generated monthly vet visits since May/June to address his symptoms and manage his care. I have just submitted a claim for our most recent vet visit last month and have hit a wall of excuses about why I have not yet seen a reimbursement, all of which align with every single review I have read here where customers have had similar experiences with refusal to resolve and pay out in a reasonable amount of time.

Lemonade is a scam. Avoid at all costs. My dog had new onset Cushing's disease symptoms this year, 2 months after her policy started. Not only did Lemonade take months to process each related claim (up to 5 months), they also denied all of them. They cited one lab value from a year ago, which my vet assured me was normal for my dog's age at the time. I even had my vet write a letter which they clearly disregarded. After appealing and not hearing a single thing for another month, I called and they stated that they were missing vet records. Why did it take me calling for them to inform me that they were missing records. Isn't it their job to get them, especially for a claim that has been in process for 5 MONTHS? It wasn't until I called them and got all the vet records MYSELF and sent them over that they sent a denial for my appeal. So not only did I do their job for them, they also screwed me over for it.

In the last week in July we had our Female French Bulldog, Bella, with us while we were visiting Branson Mo. One evening she got too excited by another dog and she began to experience severe breathing problems. We couldn't calm her or help her breathing so we rushed her to an emergency vet clinic. They had to put her on oxygen, steroids, tranquilizer and IV to get her stable. The vet told us she could have died. When we got home at the end of July we submitted the claim. They kept putting us off on the claim, making up excuses, delaying or refusing to answer emails asking about the status. They had all the information including the vet's report. Finally at the end of September they denied the claim with no reason. This is a company whose customer service is terrible and who merely want to collect your money and never pay claims. Definitely avoid Lemonade.

I am stuck with them because of the pre-existing conditions rider but I wouldn't recommend them. Every single time I have a claim they say they need to get each cat's medical records from 12 months prior, and they said that three months ago each time! They also say that about kittens who are 3 or 4 months old. Then they take two to three weeks just to ask the vet for the records (which they always want SOAP notes which is kind of ridiculous when you think about it as the receipt has everything they need on it). I am glad everyone else on here seems to do well with them, but this has been my experience, and I wouldn't want anyone else to go through this.

Do Not Use This Company - They don't care about you or your pet!! I signed up and included a preventative benefit on 8.15.25; I entered my vet information and was told that Lemonade would get the medical records - they never did. I did not have a claim until my dogs annual visit on 07.10.26 - when I tried to enter the claim on 07.10.26 via the APP - it would not let me because it did not have the medical records which they said they would get almost a year prior - so I had to enter the claim via an email address - after a week I checked the status on the APP and it showed I never submitted a claim; I sent an email to Lemonade on 7.18.26 inquiring as to the claim status and never heard back;

I would Not recommend Lemonade Pet Insurance. Over priced and under delivered on the very first claim..

My grandma purchased a pure bred dachshund from a breeder. Lemonade looked pretty good for the price. We signed up. At first we were supposed to scan in our vet visit bills (detailed bills) and would be reimbursed for what was covered. That changed to either fax them in or read them to an associate of the company over the phone. Even though some of the parts of different bills the associate assured us were covered under our plan... Never received reimbursement (which was supposed to come in the form of a check).

Lemonade is a thief and a scam. Do not get this policy. Lemonade confirmed almost a month ago that they had received all the required documents from both me and the veterinary clinic. They have had everything they needed for almost a month, yet they still have not processed the claim. And this was not a complicated claim. It was from a simple checkup. The clinic sent Lemonade everything they requested. I provided everything they requested, and Lemonade confirmed receipt of all of it. Still, almost a month later, the claim has not been processed.

I had a problem with customer service once they do your claim and if you have questions. You are not important even if you call several times and leave an urgent message and wait 2 days... Hey they got your money so good luck on a callback explaining why you were denied even if you felt it was an error!! I do not recommend this company to my family or friends. Look at ConsumerAffairs reviews also!

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.