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Pet parents across the U.S. and Canada have left over 208,464 verified reviews—real stories, real experiences, real insight. Whether you're after the best price, fastest claims, or friendliest service, our reviews make it easy to compare top insurance providers and find the perfect coverage for your pets.
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Very Disappointing Experience — Avoid
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. They denied coverage for this common, treatable condition by labeling it “pre-existing.” Their reasoning? Mercy had a URI more than ten months before the policy start date, and they require a full 12 months without any symptoms to consider a condition “cured.” This interpretation makes routine illnesses practically uninsurable. By their logic, if a cat gets a cold once, they can refuse coverage for any similar illness unless 12 months pass with zero related symptoms. That is simply not realistic for pets — and they know it. When I requested clarification, I received generic policy language instead of genuine review or support. The policy clearly prioritizes the company’s benefit over the animal’s wellbeing and the paying customer. I will not be renewing and do not recommend Lemonade Pet Insurance. Be cautious — their definition of “pre-existing condition” is extremely broad and can easily be used to deny legitimate claims for common, unrelated illnesses. Pets deserve better, and so do responsible pet owners.
Insurer: Lemonade
By: Anna
Honestly couldn't be better
This company is the easiest to file claims and the fastest response time EVER. Honestly, it couldn't get any better.
Insurer: MetLife
By: Cynthia Turner
Recommended
Highly rated, competivite pricing, easy sign-up
Insurer: MetLife
By: Eddie
Terrible always has been always will be…
Terrible always has been always will be one of the worst experiences. I ever have aside from the division of motor vehicles in New Jersey. You have the worst customer service in the business.
Insurer: MetLife
By: Thomas Hess
Easy and effecient!
Easy and effecient!
Insurer: MetLife
By: customerAngela Hernandez
Dawssie
Submitting a claim is fast and easy, and the review time is minimal.
Insurer: MetLife
By: Tracey
The response and the explanation.
The response and the explanation.
Insurer: MetLife
By: customer
Always very polite and helpful
Always very polite and helpful
Insurer: MetLife
By: Melanie