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I had a positive experience with Lemonade for my Bernese Mountain Dog who was hospitalized twice for pneumonia. We’ve been reimbursed over $10,000 so far, and the longest it took to get the money was three days. This is the third pet insurance company I’ve used, and Lemonade has been the easiest to work with. So, it seems some people do have good outcomes with them.
I signed up with Lemonade because their quote for 90% reimbursement with a $20,000 annual limit was only $21.48 a month for my 18-month-old Yorkie. This seemed much better than other options like Trupanion, which was much more expensive. However, after reading all these negative experiences, I’m now worried if this price is truly sustainable or if they’ll find ways to deny claims later on.
Even though my appeals with Lemonade for pre-existing allergy claim denials were eventually successful, it took over a month each time. Despite being one of their “cheapest” options, I’m definitely looking to switch next year because of the hassle and the risk of future denials. It’s not worth the stress, even if the premiums are lower initially.
I’m currently on day 34 waiting for Lemonade to process a claim for my dog’s abscessed cyst. The wait times are insanely frustrating. I’ve heard from others that it can take over a month just for the appeals process, and even longer for larger claims to be reviewed. This makes me really worried about what would happen in a real emergency.
My experience with Lemonade went downhill after a year too. They denied my puppy’s allergy-related claim by saying a previous yeast ear infection during the waiting period was a pre-existing condition, even though my vet clearly stated the ear infection wasn’t allergy-related and there were no allergy mentions in his records. Despite an appeal with a vet’s note, they upheld their denial after a month of waiting. It felt like they were looking for any reason not to pay.
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