Lemonade Pet Insurance Reviews

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.