Lemonade | Pet Insurance Review

When I got the pet insurance through Lemonade, they were fast to settle claims and I had no problems. Now it seems that they through the claim around to multiple agents and are always looking into the claim. Its been over a month and they are still looking into a claim for a regular vet visit. I hate to think what would happen in an emergency visit. I pay out the highest policy a month and expected to have the covered amounts paid out without hassle. I am wondering about the liquidly of the company if they aren't paying out what is covered in a timely manner . I can keep my payments in my pocket and find another company or just cover the services myself and not have to worry if they will ever pay. They came highly recommended and I recommended them to others. Now I will tell you to stay away from them as they have branched out and are publicly traded and have seem to lost their way. It seems like this happens to all companies today.

This insurance has helped me to the point where I now have two pets insured by them.

This review is for the insurance, the vet has been awesome. I guess this is the wave of the future. They are proud of their AI service. Did I say Service? I am joking of course. I would rather "come back later when we are open". But they don't even mention that as an option. When you go online on a computer, they tell you to go on via your cell phone only. They won't help you on a computer. Everyone knows it's easier to download invoices and fill out forms via your cell phone. I can appreciate having it for an option but ONLY?. Oh and you can't put their app on your computer. I guess that makes sense since you can only interface with them via the phone anyway. Everything is designed to manage you so you do the work of filing. There is no one there to help. When you pick why you went to the vet, it has to match their preset names for why you went, and no free hand. So if you go in and your particular service was called something different or it was under a different filter - they won't accept it. They won't even evaluate it because the bot isn't "trained" to really help. and if you can't match up, you can't enter anything and they don't have anyone on line who can help. If you don't want to talk to someone, you're in the right place. I think I am going to find another insurance that's cheaper - so if I get bad service from a bot, I can at least feel better about how much it didn't cost me - for nothing.

I have not filed a claim yet, but their customer service when signing up is really thorough. I felt I fully understood the policy before payment, unlike other providers. I then got a really clear document emailed to me that explains the policy. I asked one follow up question and got an immediate email answer. So far very happy, and the price is very reasonable.