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“Insurance That Doesn’t Suck”? Think Again.
“Insurance That Doesn’t Suck”? Think Again. 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. Ellie needed surgery for a fractured tooth — something explicitly stated in their policy as covered if caused by an injury. Yet Lemonade denied the claim, claiming the fracture was due to periodontal disease, with no definitive evidence to back that up. When I challenged this and offered to provide clarification from my vet, I was told the record “didn’t support” coverage — unless I personally tracked down and resubmitted more proof. So much for help. Separately, Ellie’s eye and ear infections were denied as “pre-existing” based on seasonal allergy notes from months before — even though there's no way to prove these new conditions were caused by the same issue. According to Lemonade, any past symptom means nothing remotely similar will ever be covered again. That’s not reasonable — it’s predatory. Lemonade’s entire process feels engineered to deny coverage through technicalities and generalizations. It’s exhausting, disingenuous, and absolutely does not live up to the promises in their branding. I’ve canceled my policy, and I’ll be warning others: If you're looking for pet insurance that actually helps — Lemonade isn’t it.
A+++++
"I highly recommend pets best insurance for your fur babies. They are highly responsive to you and your fur babies needs. Claims process is fast and efficient with a fast pay out direct to your checking account!"
Insurer: Pets Best
By: Tami
Fast reimbursement
Fast reimbursement, easy claim process, coverage is thorough
Insurer: Pets Best
By: Anita Danio
Easy to sign up
Easy to sign up, reasonably priced, associate was knowledgeable and very efficient.
Insurer: Nationwide
By: Arlene Mack
Insurance Claims for Cat Bile Duct Obstruction
Our cat, Boots, had a bile duct obstruction requiring removal of her gallbladder. Pets Best was phenomenal throughout the entire process. Submitting a claim takes no more than 2 minutes on their app and claims decisions are communicated within usually no more than 2 weeks. For simple claims this communication comes within days. We're thrilled with the service of Pets Best!
Non stop premium increases without corresponding increase in value/services covered
Continued payment increases with excuses that costs have gone up in states, claims paid out exceed revenue brought in, and generally tone deaf customer service. No option to get exams covered either (for illnesses or injuries). Just the actual medication and any procedures. Other insurance companies are cheaper and have good ratings. Last increase was 30% year over year!
Insurer: Healthy Paws
By: Sid Sehgal
Easy to understand coverage and plan…
Easy to understand coverage and plan information. Plan coverages and cost were easy to understand and I appreciated the ability to change coverage levels to meet our needs.
Insurer: Nationwide
By: Ileana
Ya’ll have a good company service
Ya’ll have a good company service
Insurer: Prudent Pet
By: Ashantihalegmail.com
Apparently Embrace does not deal with certain emergency rooms for your pet. I’m finished.
I submitted my first claim after almost 2 years of Embrace Pet Insurance and they told me the emergency hospital. I took my dog to with a $400 bill. They don’t deal with that hospital. What the heck is that all about? I am definitely switching insurances and if you were smart, you’d read the fine print. I’m done.
Insurer: Embrace
By: bosswell