Lemonade Pet Insurance Reviews

Lemonade Pet Insurance has exceeded our expectations. From claim submission to fast reimbursement for Coco, the entire process was seamless and transparent. The customer service team responded promptly, provided excellent support, and ensured we had everything we needed. We’re so grateful for the reliable and efficient experience.

Filled in the first claim for my cat. Did all in 5 min on the APP, took a picture of the veterinarian’s invoice and was paid immediately. It was the easiest experience with an insurer that I ever had. I highly recommend Lemonade for pet insurance!

Excellent customer service, user-friendly app and quick payment processing for claims. I use them for both my renters insurance and coverage for our Labradoodle Beau. Never have had an issue their team couldn’t handle.

I absolutely love this pet insurance company. Every time I’ve had to file a claim, they’ve been fast, clear, and honestly so caring. It feels like they genuinely understand how important my pets are to me. The process is simple, the coverage is great, and the peace of mind is priceless. I can’t recommend them enough!

Team members are always very supportive and ensure Cleo receives the care she needs. Each experience is personalized and specific to the situation. Lemonade always does a great job to make sure I am informed and know where we are in the claim process.

Every time I go to file a claim, the app is super helpful and makes filing a claim super easy. Also, if you have any questions, the ability to have those questions answered immediately is really beneficial.

I had my first claim the beginning of last week. It went smooth and I got my refund the next day deposited straight into the checking account I gave them. Very prompt quick service! Thank you Lemonade!

Filing claims with Lemonade is very straightforward- it must be done by mobile app-but all of my claims have been approved with no delay or further explanation needed aside from an invoice. The company pays what it says it will, no fuss or investigations. Claims are usually paid within a few days of filing.

Lemonade makes submitting claims so easy! A few quick questions and an upload, that’s all you need. Never have an issue with the submission, the service is great, and my questions are always answered in a timely manner!

I currently have pet insurance for my cat. The process to purchase was fairly straightforward with a clear explanation of policy details. The true quality of an insurance provider can be judged when you actually put in a claim, and that's were lemonade truly excel. With minimal questions asked, a very transparent claim process and quick turnaround in settling, they have won me over. I have got 2 claims settled so far, without any concerns. Thanks for a great service!!

This was my second time filing and insurance request for my cat with Lemonade. The entire process was fast and straightforward. It took me 10 min to upload everything and answer all the questions. The request was immediately approved and the money was in my account the next day. I love Lemonade’s user friendly platform. They made the experience simple, almost fun.

They completely denied my dog coverage simply because of her breed. Asked if she’s ever bitten someone, after I answered truthfully no to that question they still denied her. This company is against Pitbull breeds. Shame on you.

So far everything has been smooth for me with this insurance company. Their customer service is pretty good. I had good experience submitting claims. When I asked a question, they answered promptly. I will renew my pet’s policy.

I was very disappointed with my experience with Lemonade pet insurance. When my dog Trixi was just over a year old, she vomited once after we changed her food. I mentioned it to our vet during her annual checkup, and it was simply noted in her file. Nearly a year later, Trixi developed a severe case of gastritis with bloody vomiting that required multiple vet visits and diagnostic tests.

I purchased Lemonade Pet Insurance for peace of mind and support in case my cat ever needed urgent care. Unfortunately, when my cat, Mercy, recently developed an upper respiratory infection (URI), my claim was denied. Lemonade classified the condition as pre-existing because Mercy had similar symptoms about 10 months ago. Even though upper respiratory infections in cats are typically acute, not chronic, and can occur multiple times in their lifetime (similar to the flu in humans), Lemonade decided that any recurrence within 12 months is not covered.

I did plenty of research and shop around. I'm so happy I went with Lemonade. Claims for wellness and sick visits are a breeze. I literally get home from the visits, upload the receipt from my phone using their chatbot. Wellness reimbursements are immediately approved and sick visits within 3 days. Cash quickly in account.

Wonderful experience with Lemonade. I’ve needed to use for multiple claims regarding my puppies ongoing GI issues. They are quick to review and approve claims. Highly recommend lemonade for pet insurance.

The experience I've had with Lemonade has been so great. It's been a joyous and challenging road navigating new dog ownership with a 2 month old puppy but my insurance with Lemonade has been the least of my worries thankfully. Would highly recommend!

Lemonade is amazing. Simply put, they are the most efficient and least complicated insurance I have ever dealt with. I have the pet insurance for my dog. I care about her more than anything in the world and have never had a problem with Lemonade insurance when filing a claim. The claim process is simple, straightforward, and fast. I could not possibly recommend this insurance more!

Lemonade Pet Insurance is great. Very fast on paying your claims. Would recommend this pet insurance to everybody. My money was in my bank account the next day. Thank you Lemonade for taking such good care of me and my pups.

Amazing experience! I’ve had Lemonade for my dog for at least 2 years now. From signing up to submitting a claim all processes are such a smooth process, it really takes the stress out of a stressful situation.

Lemonade is soooo easy (It's a very streamlined experience!) and they are very personable and friendly. I'm able to chat through any questions I have when I have them and I always get helpful answers. It never feels like I’m dealing with a faceless company or being sent through endless phone menus. (I've never had to call them - yay!) It actually feels like there are real, kind people on the other end who care about helping me.

I signed up for pet insurance through Lemonade after Nationwide cancelled the plan I had had with them for 7 years (Whole Wellness Pet Insurance was cancelled for all insured in 2025 because it wasn't profitable). I chose Lemonade for its coverage, as it was similar to what I had, that is, the 90% coverage and low deductible.

Filing a claim with Lemonade is such a quick and smooth process. I know having any kind of insurance can feel cumbersome, but it’s nearly effortless with Lemonade. They guide you through filing a claim and make it so easy.

My dog was sick recently requiring several vet visits and hospitalization. Thankfully I have Lemonade insurance. They were very helpful both on the phone and in the app with filing a claim. Their response time was extremely fast and I was reimbursed for a good portion of the expenses I incurred. I highly recommend Lemonade and am so grateful that I have this pet insurance.

I have been a customer of Lemonade since adopting my pet, and have had such stellar experiences with the app, and its services since we've been using them. It's incredibly easy and intuitive to submit claims, and we receive our payment back really quickly - the whole thing is very hassle-free. It's very black and white as to what is and is not included within our plan, which makes me feel more confident about what I'm spending and being reimbursed for. I've enjoyed using Lemonade so much so, that I also began subscribing to their rental insurance for my apartment as well.

Fast and easy claims! And that's all that matters when purchasing insurance. They really helped me out when my beloved cat Nina got sick; I could've lost her if I had not gotten this insurance. I would highly recommend Lemondade to friends and family.

This was my first time submitting a claim and it was so much easier than I expected. I am happy to get reimbursed for preventative as well as acute issues. Great job, Lemonade!! I am happy to have chosen this co.

We love Lemonade, pet insurance. I was hesitant at first to pick up pet insurance but now that we have it for our Boy biscuit I couldn’t be more excited and have been referring lemonade Pet Insurance all my friends coworkers who have a pet. I love their service. Their app is very user-friendly. Paragraph. Thank you for all of your support.

I signed up for Lemonade Pet Insurance one year ago for my 5-year-old maltipoo dog with a $500 deductible, 90% reimbursement, and $20,000 annual limit. The cost was $347 for the first year. This year, I received a renewal notice with an increased price of $601.27/yr. This is a 73% increase in a single year!!! When I called, I was told the price increases as a pet ages and takes into account inflation. My pup is completely healthy, and there have been no claims. I asked how the decision to increase it 73% was made and if it could be reviewed. I was flatly told "no." I asked if it would increase another 73% next year, and I was told "there is no way of knowing that." DO NOT GET SUCKERED IN BY THE LOW INITIAL QUOTE if you are planning to keep your pet insured long-term.

I’ve had the best experience with Lemonade for both home insurance and pet insurance. Applying was super easy and my claim for one of the pups was processed in literally minutes. I highly recommend Lemonade to all my friends now—they’re great!

So easy to get in touch with, app is incredibly convenient to manage your policy, ask questions, and submit a claim. We have both homeowners and pet policies with Lemonade, and it has been a great experience! Honestly, every interaction with a team member over the years has been a delight—definitely a refreshing customer service experience!

Excellent customer service and claims process. App works great. Monthly premiums are fair. Website has so much detailed and helpful information. I will recommend Lemonade Pet Insurance to all my pet sitting clients.

Love Lemonade insurance, super responsive and very reliable, they approved my claim within a second, fastest service I’ve ever witnessed, and will definitely be sticking with them. I would highly recommend.

I’m incredibly impressed with how quickly and smoothly my claim was processed! Their communication was clear, the approval came faster than I expected, and the reimbursement was prompt. Highly recommend to any pet owner looking for peace of mind and excellent service!

I took my cat Sammy to the vet for a wellness check. When we were done I got copies of all the receipts for my records. By the time we got back home, I sent a photo of the receipt and checked what they did and got a refund for the money I spent within 3 business days. It was an extremely easy process! Highly recommend!

Almost a year ago I lost my first cat Prince. He was year old and out of nowhere became really sick. I found out he had cancer and wasn’t going to make it due to extreme anima. After months of grieving I realized I should’ve had health insurance for my baby and I didn’t. I started to see many ads for Lemonade and gave it a shot for Prince's big sister Ella! Recently I had to take Ella to the vet three times Oct 3rd Oct 5th and Oct 7th each time I was worried how I was going to pay for all of her medical expenses. Would lemonade cover most of the costs? They sure did and knowing that brings me peace of mind, knowing that lemonade has our backs! In total lemonade saved us 1000 of out of pocket cost after meeting our $250 deductible. THANK YOU!

Lemonade makes it extremely easy to navigate their app and send in claims. They assign a claim adjuster right away who contacted us within the hour and our claim adjuster paid our claim the following day. Very positive experience!

My dog had an accident Monday. Needed surgery. I submitted the claim Tuesday. I had the reimbursement by Thursday. The turnaround is so quick & submitting the claim was so easy. I do wish more was covered under the “emergency & accident” plan that I have, but I’m super happy with my experience. Definitely worth it!

This is a really easy to use and understand pet insurance. I have three dogs and two cats, I insured the two youngest dogs after a cost/benefit analysis. My vet sent in the records after they requested them so they could establish a baseline. Later, I submitted the bill and was sent my reimbursement about 30 seconds later. Way easier than I thought.

Lemonade has been a god send for us. They are so responsive! Using the app is extremely simple and the reimbursements from the claims hit our account very fast. Within 3 days. All of our claims have been approved after providing appropriate documentation and caring for our cat Catherine has never been easier. Thank you Lemonade for helping our family.

Every time I've had to file a claim or ask a question, the process has been quick, easy and pleasant. The app is super easy to use. I'm very happy with Lemonade as my pet insurance provider for my four babies!

I have had animals my whole life and never had insurance. We got a rare breed puppy and it was recommended we get insurance. Lemonade is amazing! I wish I would have had insurance on all of my cats and dogs! Going forward they will with Lemonade!

Very smooth and easy website to work with from finding the right plan to getting reimbursement really quickly! The monthly plan is reasonable and can be modified immediately. I have been a proud member for a few years now.

STAY AWAY, this is a TERRIBLE company. They use bots disguised has humans to respond to emails, and don’t honor requests to cancel. I requested cancellation of my policy within a week of signing up due to poor customer service communication. A month later my request had not been honored so I repeated it to a rep named Jeff. By the end of September I noticed Lemonade had still been collecting payments from me. I notified them I had cancelled, requested a refund for the entirety of my payments and they refused.

Having a Lemonade policy for Duncan has been the BEST decision. Submitting the claims is so easy and payment is FAST. It was totally worth it, it's nice to not have to make health decisions with so much financial concern.

First time pet insurance user. I have a new kitten and Lemonade was recommended by my daughter who has it for her golden retriever. I bought the cat insurance and added on the kitten coverage. I’ve used it just once because I’ve only had my new baby for 2 weeks. Lemonade covered his microchipping, rabies vaccine. Testing for Fiv and fecal parasites. All covered and they paid for the kitten's ** prescription. When I went to the app to submit my claim an agent chat came up and walked me through the entire procedure in clear competent instructions then followed up to confirm the claim was accepted and the amt of the bill that was being reimbursed directly to my bank acct. I am so pleased with the coverage and the ease of submitting the claim. I’m so happy the kitten add on was available.

I’ve had a pet coverage policy with Lemonade for 6 months. In that time, I’ve submitted a handful of claims and each time have been reimbursed quickly and seamlessly. The process is straightforward and the ease of interacting with the app is refreshingly simple. I’m very pleased with the experience!

Absolutely a Scam – Stay Away from Lemonade Pet Insurance. I can’t stress this enough: Lemonade Pet Insurance is an absolute scam. I’ve filed three different claims with them, and every single time they’ve found some excuse not to pay. Their favorite tactic? Linking everything to a so-called “pre-existing condition.” In my case, my dog has a chicken allergy. He hasn’t had chicken in over five years, and yet Lemonade still managed to connect his recent ear infection to that allergy. This company is not here to help you or your pet – they’re here to take your money and avoid paying at all costs. I’ve wasted so much money on premiums with nothing to show for it except endless frustration and disappointment. Do yourself and your pet a favor: don’t fall into the trap. Lemonade will happily collect your money, but when you actually need them, they will NOT be there for you.

They are very responsible. My dog Skywalker has allergy problems and needs constant visits to the vet. So far Lemonade has covered a portion of each visit. The claim process is very easy. Happy with the product!

Lemonade has a seamless claims process that took care of Cleo! She was having pain when jumping which required several vet visits. Once I hit my deductible Lemonade deposited reimbursement funds directly into my account the day after I filed my claim!

My cat had a respiratory emergency that required a trip to the expensive emergency vet. Lemonade approved our claim and reimbursed the funds in less than a day. I'm so glad our cat is insured through this company!

Our Sophie had a sudden intestinal problem and the vets immediate response was to see her urgently. The bill was over $700.00. The next day I used my Lemonade App to file the claim. The App led me through all the information needed and scanned the receipt right into the App and I was done. Within 4 hours I received notice of their payment toward that bill. It went into my bank account in just a few days. So very easy.

I have a pet insurance with Lemonade, it's easy to use, no pressure on us while already worried for our paw friends. Have already recommended and would definitely recommend the application to friends.

My agent was helpful. Process was super quick and easy! Would recommend Lemonade to family and friends. Agent was friendly. Do wish they had a chat box for us to comment if we get stuck somewhere but nonetheless easy process!

I adopted my first pet ever a year ago. I love and adore my kitty Snowflake, so I researched various pet insurance companies so she’ll have the best care possible if needed. The record speed claims were mentioned on several websites, and they are accurate. The service is amazing. The app is very convenient, the plan of coverage is emailed to you for explanation of benefits, and they send friendly emails. I’m thankful to have Lemonade for support in the care of my baby. Thank you. 💞

We had the dreaded (suspected) dog grape ingestion and ended up at the emergency vet over the weekend. Super easy to submit a claim, zero hassle, instant settlement, and no surprises. What more could you ask for?

Lemonade Pet Insurance was one of the best purchases I ever made. I have owned many rescue dogs in my life so far and the past 3 years, costs were high as 3 of my non-insured rescues reached the end of their life. Of course I would do anything for them and thousands were spent to figure out issues, treat, and keep comfortable. Even an emergency fund can be wiped out very quickly. I said I would not get another dog but my new puppy was on his way to a shelter so I intervened. He is a large breed and AKC registered even. And large breeds come with large vet bills as they age. I signed up for injury and illness coverage as well as puppy plan for first year.

My cat got super sick very unexpectedly. Submitting a claim on Lemonade was super simple and they had approved my reimbursement within seconds of the submission. I got half of my vet cost reimbursed to me within the next day!

I’ve owned dogs my entire life and have also volunteered for the Humane Society for many years. This is the first time I have ever purchased health insurance for my pet and will never do it again after my experience with Lemonade! Lemonade is by far the most disgraceful insurance company I’ve ever worked with. They will take any tiny little word out of the history of your pet's health and completely turn it against you.

Lemonade makes things so easy and simple. They walk you through each step with ease and explain everything along the way. My claim was approved at the in the same conversation that I started the claim with.

I hate this company with every fiber in my body. I have been unable to reach a live person to resolve my claims issue. They refuse to let me speak with a manager and have requested document after document for my dog, in addition to reaching out to my vet. Heidi, Victoria, Darcy, Danielle...Every single person has been absolute awful to deal with.

I’ve been with Lemonade since 2018 for both renters and pet insurance. The app is super easy to use and truly hassle free, and the claims process is a breeze. Consistently great experience – highly recommend.

Lemonade offers a much better and fairer package (premium plus co-pay, deductible etc) than Nationwide. The claims reimbursement process is literally seven times faster, and much less bureaucratic. I was able to sign up online in under 5 minutes, and get my first reimbursement in under 3 minutes.

We have loved every experience in working with Lemonade's REAL people for our pups' insurance claims. We have only used Lemonade for pet insurance and it will stay that way thanks to their prompt response time and constant communication throughout any claims process. The personal care can be felt.

When my dog needed care, the claim process was straightforward and stress-free. Submitting the claim was easy, communication was clear & concise & reimbursement was processed quickly. It made a tough time much easier & I am so thankful I purchased this coverage through Lemonade. Highly recommend!

I can’t say enough good things about Lemonade Pet Insurance! A few years ago, I decided to get coverage for my husky, Bowie, as a Christmas gift to her (and honestly, to myself for peace of mind). It has truly paid for itself many times over. Recently, Bowie developed a urinary tract infection, and Lemonade covered a huge portion of the expenses without any hassle. The process was simple, the claim was processed quickly, and the reimbursement made a stressful situation so much easier. I’m so grateful to have this coverage and would recommend Lemonade to any pet parent who wants reliable, transparent, and compassionate insurance. Bowie and I are definitely lifelong customers!

Lemonade has been our pet insurance for about 6 months now and they came in clutch last week when our dog needed stitches. They say they give up to an 80% reimbursement and we got a 70% reimbursement.

I purchased Lemonade insurance for my puggle when we just got him 10 weeks old. They have been a blessing to us. Very easy to file claims. Speedy process to pay you back the percentage allowed. I have been more than satisfied and very very happy with the lemonade experience so much so that I purchased renter's insurance with them. Also they are proficient and responsive and the most commutative and transparent insurance company I've ever had in my lifetime. I am 64 years of age. Thank you so much lemonade so happy.. CJT

I have a new puppy and have been taking him to the vet a lot. I am so happy with this insurance company because I submitted each receipt and was reimbursed within hours. No problems at all. Having a pet can be stressful but Lemonade takes that stress away knowing that my baby is covered.

My maltipoo Stan fell ill and we took him to a nearby urgent care. I submitted my bill the next day to Lemonade on their app. Despite it being a holiday, my claim for reimbursement was approved an hour later and the funds were directly deposited into my account by the next day. The whole process was easy and quick! Thank you, Lemonade! And my Stan has recovered.

This is my first time getting pet insurance and so far, so good. I filed my first claim for my two doggos last month and it was seamless! I just inputted what was requested from our friend Jim and it was processed in minutes! Direct deposit then happened in a few business days. Highly recommend!

Researched a LOT of pet insurances after adopting our 7yr old kitty, and Lemonade had the most comprehensive plan at a reasonable rate. Unfortunately, our sweet girl has been to the vet on several occasions with digestive issues, getting x-rays, an ultrasound, meds, etc., so I'm extremely glad to have the insurance. The Lemonade app is so easy to use! To submit a claim I open the app, answer a few simple questions about my pet's symptoms, the vet visit, even how my pet is doing currently. The app allows you to take a photo of the itemized vet bill, and that's it! I've never had a claim denied, and usually receive payment within a couple days!

Lemonade is a modern, super fast, affordable and simply delightful insurance provider. Handled a few claims like a charm with 0 human interaction (it was possible but not necessary). Everything is done through the app effortlessly.

Love Lemonade! After losing my lab and getting a new puppy I decided to get pet insurance for the first time in my 15 years of pet ownership. It was the best choice I've made. The process is simply and straightforward and I always have peace of mind.

Lemonade is the way to go for quality insurance for your pet family They have and quick, friendly and affordable service. I took my cat in for her wellness visit, vaccines and testing. I submitted my claim on a Friday and reimbursed by Monday. The submissions process was fast and easy. Love Lemonade!

Never trust a company that does not let you leave reviews on their website. They boast a 4.9 star review with over 62,000 reviews, yet you are unable to leave a review? Fake. All of them are fake reviews. And all I did was try to get a quote and they have mail bombed me with advertisements.

From the signing up process, all the way to getting reimbursed for covered expenses, this has been the easiest insurance I have ever dealt with. Using the app to submit claims is fast, efficient, and reimbursement came within days! If there are related visits to a prior covered visit, the reimbursement comes immediately after submission. I am very impressed and highly recommend Lemonade for pet insurance.

I submitted my claim the day of my vet visit. I sent my invoice by email and I was reimbursed the next day. I was worried that it was going to be a difficult process, but it was so easy. I truly love having Lemonade Pet Insurance.

I love Lemonade for my pup. Everything has been paid back just as out contract outlines. I even forgot to pay once and they were so kind and accommodating. I recommend them to everyone who had a pet they love.

To be honest I wasn’t too sure what to expect or how easy/difficult pet insurance would be to use. The process was super simple and they got me my reimbursement pretty quick! I would say I’m pleased so far in the company.

It is an easy process from setting up the insurance plan to looking at what the plan consists of. The plan is tailored to what you are needing for your pet. It is very affordable. The claim filing is super easy and definitely not a hassle to go through with.

Team Lemonade, thanks so very much for taking care of our furry boy's coverage needs. Your attention to details, timely response and ease of use of the portal makes it very easy. Our recent claim was processed immediately with no complicated questionnaire not time-consuming process. Thanks again. Continue your good work.

Super easy and quick!! I got my second dog’s insurance in less than 5 minutes and I even got a small discount since I have two pet policies. These insurance policies for pets is in joke, my dog's routine vaccinations are covered and paid back almost immediately.

So far so good! Their processes are super fast and communication has been great. I recently submitted a new claim and used their chat feature to go through the steps. Within a day I had my claim reviewed and money on the way.

Had to submit claims twice during the past year and both times it was a pleasure dealing with Lemonade. Submitting a claim via the app was quick and easy. The coverage is document well and is clear and simple. Claims were processed as per coverage and payment was made instantly. I will be renewing my pet insurance with Lemonade this coming month.

I’ve been extremely impressed with how easy it is to submit claims with this company. The process is straightforward, the communication is clear, and I always know exactly where things stand. Even better, payments are processed quickly—much faster than I expected—which gives me peace of mind knowing I can focus on my pet’s care instead of worrying about the bills. Highly recommend!

Fast and easy. The claim is submitted via a text style submission. The approval was almost immediate. I got the money within a few days! If your vet isn't on the list adding them is super easy! I will be sticking with Lemonade for a long time!

Lemonade Insurance is staffed by a great group of people who are caring, concerned about the pets they insure and help clients get good value from the policies they offer. I and my friends who have dogs all feel the same way. I recommend Lemonade to all of you out there who are looking for a quality pet insurance you can count on for efficient, quick service and timely claim reimbursements. Thank you Lemonade employees for easing the burden of understanding the dog health system.

Lemonade Insurance far exceeded my expectations for how a pet insurance company should work. It was super easy to file a claim, and I was paid out almost immediately. Lemonade is how insurance should work! Fast claims processing, intuitive interface, excellent customer service- do I really need to say more? Get Lemonade. Now.

This was my first claim using my insurance for my miniature poodle annual wellness exam and vaccinations. When I tell you that EVERYTHING went smoothly is an understatement. The online customer service I received on the app was AMAZING, the correspondence after I filed, my claim was exceptional, and how fast I receive payment just blows my mind! I will tell everyone about your insurance and my experience. It was beyond a five star experience! Thank you so much. A valued customer and a happy poodle..

Filed my first claim with them and it was incredibly easy. This was for routine flea medication and they covered what my policy said it would no problems. I look forward to seeing how bigger claims are handled, but so far it has been incredibly easy.

I’m so glad we chose Lemonade for our precious doggy. We’ve filed two claims & they make it so simple in the app. The second claim was for a minor accident which resulted in a broken toe nail. The claim was approved instantly… Literally took about 5 minutes from the start of the claim to approval & we received the funds a few days later. They really have the best customer service!

The person who handled my case was fantastic! They processed my claim at high speed, getting my dog’s vet bill reimbursed in just a few days, which was such a relief during a stressful time. They were incredibly professional, explained the process clearly. Their friendly approach made the entire experience seamless and stress-free. Highly recommend their efficient and top-notch service!

I was referred to Lemonade from a family member. After careful research, I enrolled two of my dogs. Last week, I filed a claim and the process was quick and simple. Their rates are very competitive. I am happy with Lemonade!

Lemonade Pet Insurance has been a major disappointment. I insured my 5 year old pup, Ollie, with Nationwide Pet Insurance for years and never had an issue, claims were processed within 2–3 business days. With Lemonade, my recent claim sat for over a month before being denied due to a so called “pre-existing condition”. Their reasoning? That my dog had diarrhea before. Honestly, what dog hasn’t had diarrhea at some point? The only reason I switched to Lemonade was to save some money, but in the long run, it’s cost me more in time, stress, and uncovered expenses. I will gladly pay more and switch back to Nationwide.

Lemonade Pet Insurance is incredibly easy to use, and any reimbursement funds are deposited into our account same day, often within the hour. Well worth every penny! We love our little Siamese kitty cat, she's well cared for [and perhaps a bit pampered] but, thanks to Lemonade Pet Insurance, the 'pet care purse' balance gets occasional reprieves. Thank you Lemonade Pet Insurance!!

I have Lemonade as pet insurance for my dog. I. The first year they have paid out over $10,000 worth in claims alone - most in less than 10seconds and without a human reviewing it. They’re awesome!! The app is easy to use, the coverages are written in plain English (as is the entire policy so it’s easy to understand and not trying to trap you) and it’s very easy to customize coverages to get the pricing needed. Their support for customers is top notch - though unavailable on weekends. I’ve never had a problem getting a quick question answered by the AI Maya, or getting in contact with a person quickly for more complicated questions or pre-approvals!

Very disappointed with Lemonade Pet Insurance. I feel they are very misleading. I turned in an $800 vet bill after almost 30 days. I only got $150 back. It was not a complicated claim at all. Very simple claim. I even opted for all of the add-ons and the most expensive policy they offered. My suggestion if you’re looking for pet insurance to save money and still be able to get your pet the care they deserve look elsewhere. Lemonade will not do either of those things.

I filed a claim for my dogs annual check up. This included her blood work, heartworm test, vaccines, & office visit. I was reimbursed within 24 hrs. It was easier to file this claim than it is to file an insurance claim for people. I will be absolutely renewing our pet insurance with Lemonade.

I couldn’t believe how simple and seamless the process was with Lemonade Insurance! From getting a quote to signing up, everything was fast, intuitive, and completely hassle-free. The app is beautifully designed and incredibly user-friendly—even filing a claim feels effortless. I really appreciate how transparent Lemonade is with pricing and coverage, and the fact that I could manage everything from my phone in just minutes made it a no-brainer. It’s refreshing to find an insurance company that actually feels modern and customer-focused. Highly recommend for anyone who wants great coverage without the usual stress. This is how insurance should be!

Lemonade proudly markets itself as “Insurance That Actually Helps” and “Insurance That Doesn’t Suck” — but my experience has been exactly the opposite. I purchased pet insurance to protect my dog, Ellie, and instead was met with a series of frustrating, borderline absurd claim denials that make it clear this company is far more committed to avoiding payouts than supporting pet owners.

I would stay as far away from this insurance company as you can get as they don’t pay the claims. I bought a wellness policy from them for a kitten I purchased. My contract with the breeder required that my veterinarian do a wellness exam on the kitten within 72 hours of him coming home. I made sure my insurance was in place before I took my kitten to my vet for his wellness exam. The purpose for the exam was to get a baseline health indication for the kitten so we would know if there were any pre-existing conditions going forward. The kitten pass with flying colors. Included in the wellness exam was a booster shot, and a deworming, which is common in all kittens and it’s normally required two or three times.

If I could rate this company negative stars I would. This company Lemonade pet insurance is greedy, nasty, and disgusting. For a backstory my husband and I found a beagle that was injured, starving, and in pain and took him in off the street to be cared for because he was going to die if someone didn’t help him. We’ve named him Ranger and he is doing much better now but to absolutely no thanks to this disgusting insurance company. They made me jump through hoops for weeks knowing every little detail about my claim from the very first day. They knew they were going to deny it from day 1 and still had me so stressed out trying to get them all the paperwork they needed. They covered approximately $0 from the $1100 claim. They wasted my time, money and energy. I was trying to help a poor innocent animal who has seen only the worst of humanity and they decided instead of helping they would add to it.

Although I had been reasonably happy with Lemonade Pet Insurance but not anymore. Buyer beware. I had submitted a claim and expected that I would need to pay the deductible before any payout occurred. My deductible was $500 (pet insurance does NOT work like human health insurance). I had to update my address because I moved while my part was in treatment and although I had claims more than $300 in claims that were applied against my deductible. With the change of address they started my plan over with a new carrier they acquired and my deductible started over. They are a ripoff but I’m stuck with them because now my dog has a pre-existing condition and no other carrier will cover it. Unlike human health insurance, pre-existing issues are covered if you have had continuous coverage prior to changing. The pet insurance industry needs regulation. I DO NOT RECOMMEND THIS COMPANY!

If I could give it 0 stars I would. This is the biggest scam in the world for pet insurance. 1) They calculate coinsurance before applying what you paid to your deductible - so basically, you'll never reach it. 2) They take forever to process claims. 3) They refused to support reimbursement for neuter or spay. 4) They refused to cover exam fees, so the second you walk into the vet, assume you're covering 50% of the visit rather than just your coinsurance and deductible. 5) You can't file a claim on their website. It HAS to be through the app. I could go on and on. Don't bother with this company for pet insurance.

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.

Lemonade is a shell company with no actual employees. It can take weeks to hear from a human being, and when you do, they will do ANYTHING to deny a claim. Even if it makes no sense, and even when you have all your supporting documents for them. The said employees only speak from a script and are useless to help.

Lemonade is a great service. Affordable (especially if you bundle) and easy to use. Their directions, coverage and breakdowns are very clear and their plans are flexible. Out of all the coverages I looked into for my fur baby, this one was the most practical. Their apartment coverage is also very affordable and is very practical as well. All around, I’d highly recommend using this Insurance.

Lemonade took care of me and my cat Abbie, they are fast, efficient and informative. They stay true to the policies details. Therefore it is important to know what will be covered or not. They are not a scam or fake. They deliver for their customers/Clients. I recommend them.

I had an outrageous experience with Lemonade Pet Insurance. I have 4 pets covered, never had a claim and then my dog got hookworm, which should be covered. It was an endless back-and-forth with difficulty speaking to a live person. In the end they denied the claim which feels like fraud. I've canceled all 4 policies.

I switched over to Lemonade for my pet insurance and am very happy I did. Not only are they less expensive than the other policy I had for years, their claims submission process is easy and their payments are quick. I think they are using AI and it allows them to keep their prices down. They have paid every claim I have submitted so far. I'm glad I made the switch. You do need to know how to use a smart phone, as claims are made using your phone, not a computer. But that shouldn't be a problem for most people. The process is easy, but it's all done through their app.

I love Lemonade!!! My pets have had this insurance for over a year and unfortunately one of my dogs got sick so I had to use them a couple times. Claims were processed super fast and I never had a problem with them!! Would 100% recommend.

I 100% recommended pet insurance for anyone, but especially those with a puppy. We have already had to submit multiple claims to Lemonade, so it's already paying off having pet insurance. Lemonade makes it so easy to submit claims and they actually keep you updated as they process the claim. They are also very quick at responding if you reach out with any questions. Ultimately, we are super satisfied that we went with Lemonade!

Honestly been a great company! I wish they covered a few more things, but I’m just happy that an insurance company keeps their word at all about what they cover anymore lol. Their app is easy to use. :) Highly recommend.

I am so thankful that I started using Lemonade years ago! It feels so great that I can focus on getting my cat the care she needs and not worry about the cost! Lemonade is super reliable, quick, and easy to use!

Lemonade has been an absolute lifesaver for me on multiple occasions for my cats. I researched to find the best pet insurance a few years back and know that without a doubt, Lemonade is the best. It’s easy to set up a policy, and ask questions. It’s easy to submit a claim and claims are paid out extremely quickly. I tried 2 other insurances before Lemonade and will never change again. I would recommend Lemonade to anyone looking for a straightforward and comprehensive experience!

I have Lemonade’s pet insurance and my pup had an accident. I was able to file my claim, very easily. In a few days my claim was approved. It was painless. Having lemonade helped ease the cost of our pup’s hospital stay and gave us peace of mind that she was getting the care she needed.

I have Lemonade for three years now and unfortunately I had to submit a claim for the first time. The submission of the claim was by far the most straightforward submission that I have done to an insurance company and the reimbursement was issued in 1 day.

Really easy reimbursement process and very fair policies. Great customer service and very hands off from the user perspective which is awesome. They have connections to multiple vets which makes the reimbursement process seamless.

The easiest insurance out there!! It’s so easy to do anything with Lemonade! Filing a claim is hassle-free and a matter of minutes. It’s been so easy having Lemonade. We have pet insurance through Lemonade and our dog recently went through a lot of issues. It was at least good to know we wouldn’t have to stress about insurance. 10/10 would recommend.

Excellent customer service! They respond quickly and make the whole claim process easy. Luckily, I have only had to file two claims, but they made both experiences so easy! Even got a message from them hoping she was doing better. I highly recommend if you are looking for a fair, easy, fast stress free pet insurance!

I am having a terrible experience with Lemonade Insurance. We have a pet insurance for our Cat who had to go in for an emergency operation. It has been over a month, and the claim still has not been paid. I would not recommend this pet insurance to anyone. I see that on their website, they claim that they process all claims within 48 hours, that is a complete lie. Very unhappy with the claims process.

Benji's annual visit went great this year. Lemonade came through, even better than I had expected. I was pleasantly surprised at the items that were covered on my insurance. The entire process was extremely quick and painless. So glad I have Lemonade Insurance for Benji.

I always loved Lemonade's user interface. But after I had my first claim processed, fascinated by the design of the app and appreciate all the efforts. Would surely recommend within my circle. Kudos to the Lemonade team.

If your puppy has ever eaten something that didn't agree with him and threw it up, then he has a pre-existing condition and they will deny anything that has to do with throwing up, diarrhea or stomach issues of any kind. Since we couldn't do business, I requested my money back and was denied. That is how they make their money. They won't get any more of my money, but hopefully they won't get yours. My vet advised me that there are some decent pet insurance companies, but this is not one of them.

Fraudulent business practices. Charged me 3x for a cancelled policy that I had over 2 years ago for a past due balance. Never let me know I would be charged for that before proceeding to checkout for my cat's new policy. It explicitly stated I would be charged $55 for my cat's new policy. Never received the insurance and they won’t refund my money due to the past due balance. Nowhere on my checkout page did it say I would be charged for the past due balance, only the new policy I was intending to purchase. Didn’t send an email with my confirmation stating the past due balance either. I had to find out from customer service and all they would say was “sorry”. Do yourself a favor and avoid this company and go with one that has morals and legal business practices.

I’m new to Lemonade, and I’m already ready to cancel. My first claim was denied because they determined that my dog’s prior ear infection was a preexisting condition. His vet disagrees. The first time he was seen, he had yeast in his ears (post shelter) and the second time he had an itchy ear due to hair (and mulch?) that he’d gotten in there. There was no yeast or bacteria present in the cytology, and so the vet sent additional information. Denied again. It’s ridiculous.

Really simple process, loved the sign, and the recording describing the situation when file the claim made it much simpler than typing. I appreciated the check-ins along the way. Overall, the process was quick and easy!

Lemonade has been amazing so far to work with! I have pet insurance for my cats. One of my cats recently developed asthma and Lemonade has been incredibly fast processing claims. It's super easy to submit a claim and they're a pleasure to work with. I have peace of mind knowing my cats are covered by Lemonade!

Highly recommend Lemonade Pet Insurance for your fur babies. Excellent customer service and support. Website user friendly. Thank you for giving me peace of mind during the difficult time with my dog.

I signed up with Lemonade Pet Insurance hoping for peace of mind for my young, healthy dog. Unfortunately, my experience has been frustrating and disappointing. They denied a claim for a vet visit when my dog was clearly unwell — she had persistent diarrhea, and I was concerned enough to take her to the vet specifically for evaluation and treatment. Lemonade rejected the claim, stating it was due to a pre-existing condition.

My dog recently suffered a carpal hyperextension injury while playing fetch. Thankfully, Lemonade has made the process of filing a claim incredibly easy so far. Submitting the claims related to this injury for the eligible procedures covered under my policy was simple and straightforward. They were quick to review my claim and deposit the reimbursement directly into my bank account. I haven’t had to file a major claim yet, and I’m really hoping my girl won’t need surgery for this injury. But based on my experience so far, I feel confident that Lemonade will be there if she does.

I purchased kitten insurance for my 0-6 month old kitten. It stated it paid for 80% of vet bills and neutering or spaying was available. I chose the higher premium to help take care of the bill. Shots and blood work. They decided I didn't purchase the insurance for a kitten even though I put the cat's age in. I picked the basic they said - when I did not. I know what I read. Then gave me a breakdown of what they actually pay only up to 60.00 for blood work - that was 150.00. Up this or that price barely making a dent. I would have have to say the wishy washy ways of this company is awful. It ends you pay for insurance and then the vet bill too. Going with a better insurance company.

Lemonade has been so great to our sweet pup, Marty. They are always so quick and thorough. We are so glad we decided to get pet insurance and go with Lemonade! It is so nice to know that we have the insurance if anything were to happen to our boy. One less thing to worry about!

Posting a claim is very quick, easy, and uncomplicated. In most cases, it is resolved in seconds with the refund issued. This has helped so much as our older dog begins to experience new health challenges. I wish we had gotten it when he was a puppy. You just don’t know what you don’t know. Now all 3 of our pets are covered by Lemonade.

I really love Lemonade as my pet insurance! They process claims quickly and give reimbursements right away. The app is super easy to use. Filing a claim takes like 2 minutes. My only wish is that they had larger limits for things like vaccines.

Lemonade has always been super efficient and sensible. I use them for home insurance to pet insurance and I recommend them whole heartedly for their straightforward and efficient turnaround timeline and process!

It took me less than 5 minutes to file my claim, just over an hour for them to review it, they approved it and made deposit payment to my account. Absolutely amazed!!! I could not be more pleased and will be adding our second pupper ASAP!

I would like to share my experience with a recent annual price increase on an annual premium for a pet insurance. My monthly premium went up from 60.72/month to 81.80/month - that is an astounding 34% increase !!!! I didn't notice it until recently and so I called - I was told that they couldn't do anything and so I am pretty much stuck on it. I started with Lemonade about a year ago, and so they clearly got me signed up for a lower price and price gouging with an astounding increase. It is difficult for me to switch insurance as the underwriting would take, they know it and so they are taking pure advantage. I do expect annual increased, but not 34%. This needs to be investigated as this isn't fair business practice at all. I have been very happy with them in general, but this was not something I had expected. Just wanted to make sure that people looking at Lemonade as an insurance options are aware of the potential annual increases.

I appreciate all of my plan details are easy to understand (copay deductible %s etc) and I can submit paperwork/claims super easy on the app. I like that I can connect my bank account to the app so the payments are direct deposited. I appreciate that they spell out what is and is not covered so things are super clear. They can also contact your vet office if they have questions so I am not running around asking a lot of people for help with an insurance claim. It's been a good purchase for me, especially for those emergency vet visits no one can plan for.

Quick and convenient! Super easy to submit the claim and coverage is clear and not confusing. The claim was approved quickly and directly deposited to my account. Much more seamless process than I have had with other companies.

They have been debiting my account and their app shows my policies as being canceled. Their AI driven app is worthless and I can't get them to send me my policy documents. Very disappointing - I had heard so many good things about Lemonade. Huge disappointment.

Cat got sick, we had to bring her to Urgent care, after the deductible Lemonade covered 80% of her bill. The experience to claim was so fast and easy. I feel relieve that we have pet insurance for our cat. Claim was approved fast. Highly recommend for pet owners.

I have had Lemonade for 4 years for pet insurance and it started off well enough, but boy has it gone downhill. And unfortunately I am stuck with them because if I needed another company, my dogs’ conditions would be considered pre-existing. BEWARE, they try to get out of paying for whatever they can!! Customer service on the phone is a JOKE, and incompetent. I just had a claim for one of my dogs where she was acting moody and strange and not like herself, so I had a blood panel done at the vet to make sure there wasn’t something MEDICALLY wrong. They denied the claim saying that “behavioral” conditions aren’t covered in my policy, and I explained that I wasn’t having a “behavioral” condition claimed, but that I went to the vet to make sure nothing was MEDICALLY wrong.

The claims process was quick and easy. The only problem was determining what on the Vet's bill was covered and what wasn't. For instance I was asked if any blood test were done, and I couldn't tell by reading the invoice. Thus I am not sure of everything that could be covered was covered. I did get an immediate response as to what I submitted was or was not covered. Received payment in my account in less than 4 working days.

My 5 year old PomChi had an emergency and Lemonade processed my claim within 24 hours. I loved the digital intake/upload via chat and I received the decision (real person with a nice note personalizing the claims reviewer) within 24 hours.

We love Lemonade! The app is so easy to file claims and check on my benefits. The reimbursement comes automatically to my bank account super quickly. When having to call, everyone is very friendly and understanding. Overall just a great company for my pet!

We absolutely love this company! From start to finish, our experience with Lemonade has been nothing short of amazing. The cost of the insurance coverage is very reasonable, especially considering the comprehensive protection it offers for accident and illnesses. One of the standout features for us is how seamless the process is when submitting a claim. The platform is user-friendly, and we had no trouble navigating it. The entire experience, from filing the claim to receiving updates, was quick and efficient.

Veterinary care has become extraordinarily expensive which causes so many families with pets so much pain. A pet family must have insurance these days. After reviewing many options, our family gladly and thankfully went with Lemonade. Especially when dealing with the stress of an injury or illness, no one wants to have to deal with hassles around the financial matters to make your pet healthy. Lemonade makes everything around claims extraordinarily simple and painless. Some claims were approved even before we closed the app. With claims that were complex and needed some more time, I got frequent check-ins from Lemonade letting me know where they were in the process. And even in those situations, the process did not take long.

So easy to use, and especially with the app submitting claims is simple. I didn’t know how simple it would be, and then how quickly we’d get approved. Wow, it was so efficient, easy to navigate, and easy to use,

Dealing with Lemonade Insurance for my pets is so easy and fast!! The representatives are always on top of your claims and answer questions immediately. They are friendly and professional and you get results and resolution very quickly!! It is always a great experience with Lemonade!!

I’ve had Lemonade for pet and rental insurance and I love it! Filing claims is always easy and quick. It’s worth the peace of mind especially with my dog who gets into things from time to time. Will probably have it forever!

Me and my dog love Lemonade. My dog is my first as an adult independent pet owner. I went back and forth on insuring him as none of my childhood dogs were insured. Ended up going with lemonade at the recommendation of a friend. Eight months and my boy snatched a pill or something off the street, he needed an emergency room visit and an overnight stay followed by DAYS of Diarrhea, follow up appointments and meds. Thankfully he made a full recovery quickly with the help of our incredible care team but we saved thousands with lemonade. Lemonade processed my claims quickly and I had reimbursements for the visit within two days. The policy has already paid for itself three times over and I will never have an uninsured pet after this experience.

I've only filed two claims with them and both of them were problematic. First claim, they said they never received the SOAP notes from the vet. They did. Second claim filed last week. They claim that I have another pet insurance for my dog, which is blatantly false, yet they refuse to prove this to me or submit any documentation for it. They are asking me to submit information to them that I simply do not have. Furthermore, upon receipt of this claim, they said they would pay when my dog met his $500 deductible. Wrong again. Delay and deny is their game. Yet like clockwork the premium is deducted from my bank account right on cue. I am now in a position where my dog needs to see a specialist and that claim will likely get denied and I cannot switch insurance companies because he will now have a "pre existing" condition. Furious doesn't even begin to cover how mad I am.

Lemonade has been a lifesaver (literally) for my kitty. Earlier in the year of 2024 I decided to get insurance for my cat. Later on that year, she was unfortunately diagnosed with large cell lymphoma. This insurance has been the reason I have been able to continue to pay for her treatments (with the assistance of credit cards) but because I get the money back, I am able to put money back on those cards to continue to pay for her treatments. The app makes the process super easy and I don’t have to stress as much while going through this difficult time with my soul kitty. Smaller transactions are typically reimbursed within seconds, which is extremely convenient. I definitely recommend this insurance.

Fair pricing and good coverage. We’ve been impressed with the caring staff at Lemonade and plan to change over car insurance since they’ve been great for pet insurance. I would recommend this company 100 percent!

I received great service from Lemonade! I just submitted my first claims for my cats' vet bills. It was super easy to submit my claims online and then my reimbursement funds were available by the next day!

Lemonade is the worst. I have been waiting 3 weeks for a claim and sent them everything twice and still nothing. All ever get from them is it's still in review. I already canceled 1 pet and once my claim is denied which I'm pretty sure will be because I saw the reviews afterwards they don't like to payout. I will be canceling my other pet. I almost got renters insurance through them and so glad I didn't. ASCPA has cheaper and better pet insurance so I am switching to them.

I purchased this policy for my 10 week old Labrador Retriever in August 2024. This policy was recommended by my primary veterinarian. In November 2024, my dog was diagnosed with entropion and required surgery. After submitting all of his medical records, none of which mention entropion, Lemonade Pet Insurance denied my claim. Their rationale was because he had watery eyes when he was at his initial vet visit. He had an eye infection in October and was examined by a veterinarian and at no time did this vet mention entropion. Both visits to his primary veterinarian, indicate his eyes were normal. I am now in the appeal process however it does take my representative a significant amount of time to respond to my calls and emails. After doing a little research I have found many other people with similar experiences of “pre existing condition” denials.