Scam! They tell you they reimburse a certain way, but when you file a claim, they don't cover anything you are paying premiums for. I pay for a 90% policy, but that is not how they processed our claims. High premiums compared to reimbursement.

Shame you can’t adjust your annual. Only way you can is canceling and rewriting a new policy, but then anything during the past is considered pre-existing.

Your IT issues have became unbearable to me as the consumer

This company is horrible with processing times (18 days instead of 2-3 as they say when you enroll) plus they are very picky on what they cover. They would consider something that could repeat on your pet (like a dermatitis) that happened a year before as a pre-existing condition

I truly wish I could leave negative stars. My sweet little dog is in advanced heart disease and has multiple ER visits a year, along with tons of vet appointments and medications. After raising the cost astronomically every year for the past 7 years, they are now canceling his insurance and giving me insurance that barely covers anything. Late-stage capitalism wins again. I'm so sick of this country and if I didn't love my niece and nephews so much, I'd be gone. I have no choice but to accept their terrible replacement insurance because he is 12 with preexisting conditions. I'll be cancelling ALL of my other Nationwide policies. Not that there is such thing as ethical, user-prioritized insurance of any kind in this god-forsaken country, but at least it will be satisfying to cancel my auto, home, and renters!

I now understand why it’s called “Lemonade” — because this whole process has been SOUR.

Coverage was horrible for the price paid. The prorated premium was not returned. Hey, Embrace, what will you guys be using my unused premiums for? Hope you have fun at your employee party! You guys are thieves!!

Originally I loved lemonade and used them for home and pet insurance.

I started with them when my dog was 6 months old. At that time, I was paying about $50 per month. Now, he is 8 years old, and I pay $193/month.

We were Trupanion customers for 8 years and paid thousands of dollars without ever making a claim. However, when our credit card expired (as they do, after 8 years!!) and we missed a few payments they cancelled our $155 monthly plan and wanted 2.5x more ($380/mo) to reactivate it! To their credit, they did a good job trying to reach out before the cancellation, but unfortunately the email on file was also outdated. When I contacted customer service their "hands were tied" and the reps had no ability to customize my new quote to match my old payment. I would have been okay with a small rise in payment as I didn't catch the lack of payment fast enough, but a 250% increase is just insane.