TERRIBLE! I'm so endlessly disappointed.

We paid ~$60/mo for nearly two years for our young, healthy dog with no claims. When we finally had our first minor incident - exactly what our policy was supposed to cover - Lemonade found enough loopholes in the fine print of the contract to avoid paying nearly anything for the claim. They tried to argue that the emergency evaluation was an "office visit" which wasn't covered in our policy. Using this interpretation, we'd be on the hook for $250 on every vet visit before any coverage kicked in - which is effectively a $250 deductible PER CLAIM on top of the $500 yearly deductible we already pay. In the end, they covered less than 20% of our emergency bill, on a 90% coverage policy. When we tried to appeal, they were slow to respond and unhelpful. This company is dishonest, greedy, and not worth choosing in a sea of competitors.

I just received an explanation of benefits for a claim I submitted to Fetch Pet Insurance. My policy has a 70% reimbursement rate and $500 deductible. Rather than counting the entire amount I spent for a recent veterinary visit toward my deductible (which is how my own health insurance works), Fetch decided to only apply 70% of the visit cost toward the deductible. So--now rather than having a $500 deductible, it seems I have a deductible of $500 x 0.7 = $714. I've had my Fetch policy for several years and do not recall the company applying this approach to calculating a deductible. Something is not right here. I've also experienced astronomical increases in my monthly premium (now $325, or about $4000 per year) for a limited amount of coverage (capped at $15,000).

Claims are processed and paid pretty quick. Customer service is good. Three stars is because they raise the premiums greatly annually at policy renewal. Like 100% increase. The only way to lower it is to reduce benefits. Eventually, it just won't be worth having.

they used to be good and covered all the advertised. Now they nickle and dime and are advising g a 35% rate increase. I plan to cancel soon.

While I appreciate the idea of insurance...I have struggled to understand what is and is NOT covered. I thought that an injury/illness would be covered up to the % we selected - not subject to the deductible - which seems to be applied to our wellness plan. It is somewhat confusing.

The cost of my dogs insurance is now more than my own. You people are ridiculous. $200 a month from what used to be originally around $60 a month. Constantly hiking up the costs. You called it an increase due to the cost in the area but the costs have not changed AT ALL at my vet. This is directly tied to the fact that I now have hit his lifetime deductible for his skin issues and now you actually have to start paying something towards his care so you're balancing that by jacking up the rate. Congratulations on making pet care as shitty as human healthcare. Well done. I'm sure your shareholders will applaud.

I've been trying to sign up through work for weeks, but your site has been giving me errors every time I tried. Now, that I'm signed up, it's fine, but trying to navigate your site's bugs has been frustrating.

The doctor was pleasant, the appointment went great. The prescription process is a nightmare. Very unclear instructions. Was told to order from an outside pharmacy and now I’m waiting for the prescription to be authorized. So it’s not helpful if you can’t get the antibiotics in a timely manner, nor does it help if the pharmacy they tell you to use (petmeds) doesn’t carry 1 of the 2 prescriptions prescribed. So then what do you do .. because you don’t have a physical prescription to take to another place. So I’m not recommending Dutch.com

I am already disappointed in a company who I thought values the customer and demonstrates integrity.