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I signed up for Lemonade pet insurance for my puppy a year ago because their prices seemed great and their AI claim process sounded super efficient. For the first year, things were smooth, and my claims got resolved quickly. However, once we passed the 12-month mark, they suddenly almost doubled my premiums and started denying every legitimate claim with ridiculous excuses. Now I’m wondering if anyone else has experienced this bait-and-switch with Lemonade, where they seem good at first but then turn into a nightmare when you actually need them?
After having Lemonade for my puppy and having a claim denied six weeks later for something they wrongly claimed was within the pre-existing condition period, I immediately switched companies. Their communication was terrible, even after I provided the requested vet notes. I’d advise others to “run, don’t just walk away from them”.
I had Lemonade for almost a year, and they refused to cover anything, always finding a way to link it to a “pre-existing condition”. They even said my dog’s current issues were related to diarrhea he had a year before I even signed up with them. It felt like a complete waste of money.
My premiums with Lemonade just skyrocketed from around $300 to $1000 per year per dog, and we haven’t even filed a single claim in the past year. It feels like they arbitrarily increase rates, and I’m definitely looking to move my home insurance away from them too because of this.
Lemonade tried to claim my cat’s recent ear infection was pre-existing because she had one many months ago. This seems ridiculous, like human insurance denying a doctor’s visit for a new cold because you had one last year. They classify any past condition, even if resolved, as pre-existing, making it seem like they’ll “reject truly anything”.
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