Lemonade | Pet Insurance Review

I just renewed my policy with Lemonade after one year of coverage. I started my policy before my dog was diagnosed with a genetic condition that causes him to have highly recurrent bladder stones. In 2025, he had two emergency procedures from being blocked and unable to urinate. Lemonade covered both procedures, hospital stays, and medications. It is super easy to submit a claim and I have found that they are easy to get in touch with either by email or over the phone. Highly recommend!

I had filed a claim for the extraction of 4 teeth for my dog. I have the dental coverage add on and it says it covers extractions. They said they would not cover it because it was preexisting even though the vet did not find this until a teeth cleaning. Also terrible claim process.

Today is business day 4 waiting to be reimbursed from Lemonade for a simple office visit. They continue to give me the run around and when I called there was not a supervisor to speak to. Instead, they take your information and say someone will call you back within 24-48 hours. This is on top of the 4 days thus far. Very frustrating. I will be ending my policy once I get reimbursed.

I purchased Lemonade just for one cat to try it out. Well after the 15 day waiting period, with no claims filed, he had an exam and nothing was found. I didn't file a claim until the following month. The vet recommended an echo to rule out heart or lung issues. I filed a claim for this visit. Nothing was found wrong with my cat, so the vets were thinking behavioral or allergies. My claim was denied by AI, I have to assume, as it was literally denied within a few minutes. I didn't know what to claim exactly, there is a list and you have to pick something. Since he isn't diagnosed with anything, I put his issue as behavioral because nothing physical found to be an issue. Lemonade states without follow up medication or some other treatment, they won't cover it. I didn't see anything to explain what this insurance covers or doesn't cover, but I don't think this company is fair. They are the cheapest but there's no point in insurance if nothing is covered or what is covered is very difficult to determine.

DO NOT get your dog or cat Lemonade Pet Insurance. It is cheap for a reason and you truly get what you pay for. I have been with Lemonade since 2019 and have had to fight them repeatedly for payouts over the years. What happened this week with one of my cats was the last straw. I filed a formal complaint with the California Department of Insurance and submitted all of my documentation for review. Lemonade Pet Insurance has started another medical history review for this cat even though they already completed one five months ago and already have his full records. This time they contacted twelve different veterinary offices. Many of these clinics are for my other cats or for my dog who sees multiple specialists. Some clinics are closed. Some have never treated this cat. None of them have any records that relate to this claim. I am now receiving calls from confused veterinarians who are asking why Lemonade Pet Insurance is reaching out to them, and several expressed concern once I explained what was happening. This pattern of delays, unnecessary requests, and improper handling is exactly why I filed a complaint. Pet parents, please research carefully before choosing Lemonade Pet Insurance. They make an already stressful situation even harder.