Lemonade Pet Insurance Reviews

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.

If you took your pet to the vet for any reason before getting insurance don’t bother. They will deny your claim if you take them back years later with symptoms even slightly similar and call it pre existing on set even if they never had a diagnoses. Because I took my cat in for accidents outside the litter box they seemingly won’t cover any urinary issues in the end. They’ll use any vague prior symptoms to deny your claim.

I signed up for the most expensive plan to ensure my pet is covered $1600 a year plan. Chookie is a 7-month-old kitten. Once I submitted the first claim (blood test, check up) Lemonade dragged me back and forth, continuously asking for documents which were all the same but they wanted them in different versions. And of course said to us through email that we are not eligible for coverage (refund)! Lemonade is a fraud. Do not buy this insurance! I simply will not claim anything anymore since it simply isn't worth the headache.

Reading the many negative reviews will verify my experience. Notices for claims that are denied are received immediately. Claims that are being reviewed take much longer. My opinion is that Lemonade is scanning for any way to pay as little as possible. If not at all.

The only way to file a claim is with their completely AI and bot-driven app. There is no other secure method offered to submit a claim. There is also no human to contact, just more bots. The app forces you to record your voice and/or video. Lemonade offers no security to ensure your voice or face is used without your permission; this is how identities are stolen. Due to these security concerns, and no other options available, I cancelled the claim. Complete waste of your time and money.

Coverage policy states items covered but they have denied every claim stating it is not covered. Takes a long time to hear from anyone. Get multiple people working on a claim. One says they need stuff, the other says they have it.

Stay away from this company. They find every reason not to pay claims. I had a dog go in for dental cleaning and they found 4 teeth that had to be removed. I had dental insurance and they would not cover the cost. They said it was a preexisting condition since my dog needed to have his teeth cleaned.

I have had Lemonade for two years now. I have been very impressed with the response from customer service and the ease of submitting a claim. I love how customizable the plans are and can fit any price point.

I have used Lemonade 3 times. My puppy is only 8 months. My 3rd vet visit was a sick visit, very simple, no blood tests, x-rays. Just an injection. I laid out quite a bit of money. Lemonade said they needed some more information from the vet and as of today, the 4th business day they still have failed to contact my vets office or reimburse me. I asked to speak to a manager and escalate this, however there is nobody to speak with. It will take another 24-48 hours to hear from someone. It’s been very frustrating.

The approval process was incredibly fast, which really impressed me. Everything went smoothly from start to finish, and the entire experience felt simple, efficient, and stress-free. I’m genuinely satisfied with how easy it was.

Could not have been easier to submit claims for my two pups after their regular checkups. The drop-down menus were spot on and lined up (near) exact to the invoice for services rendered -- making the claim submission process a less than 3-minute endeavor. Oh, also -- the turnaround time on processing and paying the claim pursuant to the policy was lightning fast. Thrilled, I decided to get my pups insured WITH Lemonade. A+++

All three times I've submitted a claim after my cat's preventative care visits, they've been approved within seconds and the money is deposited into my account within a few days. All they need is the itemized receipt +/- proof of payment. I haven't had any major health issues or emergency visits, but I'm hoping that it'll be that seamless if my cat ever needs it.

I just made my first claim after getting insurance for my fur baby a few months ago. It was super easy to follow the form and I only ended up having to pay around $40 out of pocket for my vet visit after my reimbursement!