Lemonade Pet Insurance Reviews

Lemonade Pet Insurance has been an absolute lifesaver for our family. Our cat was diagnosed with diabetes and required hospitalization for over a week in total, with costs reaching approximately $11,000. Thanks to our past positive experiences with Lemonade—covering preventative care and even surgery for our dog the year prior—I had no hesitation in getting him the care he needed.

I have kept Lemonade’s insurance on my cat, Tanuki, for several years. They have saved her life more than once. They helped me be able to cure her hyperthyroidism with radiation therapy, and most recently, they’ve helped her pull through an emergency surgery for an accident that totaled around $10,000 on her release.

We've been with Lemonade for a while now, starting with two dogs. Sadly, we lost one since we first signed up, but every step of the way—from signing up, to submitting claims, to receiving funds, and even canceling part of our policy when our dog passed—has been incredibly simple. I've never been so impressed with a company.

I have really enjoyed having Lemonade. Prior to that, I was with another big-name pet insurance company for at least 5 years. Not once did anything get approved for reimbursement. Essentially I was paying for nothing. The cost went from $106 to $113, which was reasonable. Then $113 to $148, not great but we can make it work. Finally from $148 to $192 and that was my limit. I couldn't pay close to $200 monthly to a company that never even approved my claims. I searched around and did a lot of comparing and settled on Lemonade. It has the same coverage but is significantly cheaper. I put our first claim in and to my surprise, it was covered! Most recently I put a claim in for $87 (the cost of his medication) and didn't include the other items on the receipt because I didn't think they qualified. To my surprise, they took the time to review the whole receipt and I got $200+ back! The process is so unbelievably easy and I've been loving it.

Why buy pet insurance? Typically, you do that to protect something that has high value. My fur baby is like my child and I wanted the peace of mind knowing that if something should happen, I could help her. A few weeks ago, she had an emergency that required 3 nights in the animal hospital to treat a severe case of pancreatitis. I thought we lost her. The vet/animal hospitals require you to pay upfront and of course you want to save your baby's life, so you say YES!! The bill was a little over $7,500.

Lemonade ended up being one the worse experiences I experienced on top of an emergency vet not catching the actual issue with my dog that I'm about to paid to have a necropsy done to try and see if I can figure out what no one caught. It started off going for a run which I thought exacerbated something like arthritis and then eventually turned into the vet thinking it was a torn meniscus, but as of today, as of 1 am while waiting for Thursday to have a specialist look at him, my sweet precious Remus passed away at home.

I submitted the first claim because I took my cat to emergency hospital. They keep asking for records in other hospitals where my pet has never been. I told them that, I called their customer service and let them know, I forwarded them the email I received from the hospital. They were asking the record, saying very clear they don’t have record of my pet. Surprise! After more than a month dealing with this issue and presenting evidence, they denied the claim anyway. Just like that. Whether this is their MO or the case manager took very personal when I let her know how difficult she was making my effort to not think this is one of the DDD strategy commonly known as part of the insurance company's way of saving money.

They sound great and the app is easy to use but their business model and policy is to deny claims based on their understanding of the claim regardless of whether the doctor told them their interpretation is incorrect. They encourage you to appeal their denial because they want you to continue paying the premium as they delay their response to you. They use agentic AI to respond to your follow-up emails. They are all repeats of the first response email just worded slightly differently. The appeal decision repeats their original decision wording and does not take into account anything the doctor provided to them to correct their inaccurate assumptions.

Lemonade is very expensive for what little they cover. Additionally they raise your rate without providing notification to you. They claim to also track your contacts with you in violation of privacy policies. Regardless of that, the emails they claim to have sent do not indicate a rate increase. This is a disreputable company and I don't recommend them.

Lemonade Pet Insurance completely failed me. I submitted a claim for my dog Max (Claim #**) with all the required documents and waited patiently for over 4 weeks. After the long wait, they denied the claim without a clear explanation. Their service was slow, unprofessional, and totally lacking in transparency. They promote “simple and fair” insurance — but when you actually need them, they find reasons to deny coverage. Very disappointing and feels like a scam. I do not recommend Lemonade to any responsible pet owner. I’m considering reporting this to the insurance commissioner.