Lemonade | Pet Insurance Review

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.

I've been paying for the insurance for 9 months and only just now filed a claim. I filed after an emergency visit on May 2 2026. Today May 14 it's still pending. My vet sent records a week ago. But that wasn't good enough. Without the vet knowing Lemonade emailed them back asking the policy number be added. Only after I got frustrated and called around did my vet discover this. Now Lemonade has everything but still haven't finished reviewing my claim. They lie when they say most claims handled same day and within 48 hours. I have cancelled my policy because I don't want to pay $56 a month for nothing but headaches and stall tactics.

All they do is deny, deny, deny claims and collect, collect, collect your money. DON'T BOTHER WITH THEM