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I waited over 30 days for Lemonade to conclude two claims and only received auto-generated generic emails. They are quick to respond if you try to cancel, though, which makes me think their priorities are backwards when it comes to customer service and claim processing.
I switched to Petsbest insurance after Lemonade denied my first claim of $150, claiming my kitten had pre-existing health problems. Then, for another claim involving nasal congestion and constipation, they took ten days to deny it, first saying it was pre-existing and then citing a waiting period. They seem to find any reason not to pay.
I’ve had Lemonade for about two years for my dog, and they reimbursed me within 48 hours for a $2000 vet bill for a stomach issue. Later, they also quickly reimbursed me for my dog’s cancer removal, which was even more expensive. My premium hasn’t even gone up significantly, so my experience has been positive.
After having Lemonade for my puppy for a year, my premiums almost doubled, and they started denying my claims with weak excuses. My vet even sent them a message explaining that the new issue wasn’t related to the old one, but Lemonade still wouldn’t budge.
I had a terrible experience where Lemonade rejected my cat’s ear infection claim because he had one before, calling it a “pre-existing condition” even though it was months apart. This is frustrating because it feels like they’ll use any prior issue to avoid paying, even for common illnesses.
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