UNREAL. I put in a claim for my tv. They sent someone to do a diagnostic on the tv where he confirmed there was an issue with it. He also word of mouth said the tv was visibly in perfect condition. They called me just now to say the tv had visible signs of impact. The tv LOOOKS BRAND NEW WITH ZERO DAMAGE NOT EVEN A SCRATCH ON IT. They literally paid someone to come do a fraudulent survey on my tv so they wouldn’t pay me out for the claim. I have not put in a complaint in 6 years of having this company. This is unbelievable. They demanded a diagnostic as part of the claim and I thought it was strange since the contract said nowhere that was a requirement. DO NOT get a renters insurance policy with lemonade. I’m filing a formal complaint. Claudia was very nasty on the phone too.

Submitted my claim for my pet on 7/2/25. The site keeps saying pending medical review. It's been 25 days and still no answer. Sent an email message inquiring why this is taking so long to make a decision on my claim-----NO ANSWER!!!! Totally unacceptable.

Took a month to settle claim and still getting emails that says they need more information after claims have been settled.

Terrible company. The vet was average. I signed up because they said they had weekend appointments and then couldn’t get an appointment until Wednesday. I could’ve gotten an appointment with my regular vet by that time. My dog had an eye infection and the online vet just prescribed something

They raised my rates by something like $75 after being with them for only two years. I was already paying 180 something a month and I'm already using a high deductible with a low percent return (70%) to keep the costs down. Yes I've had claims, but nobody raises anybody's insurance by that much. I've never even had my car insurance go up by more than about $30 and this is simply pet insurance. They're not paying out thousands and thousands of dollars for every incident like a car insurance company and yet they have rates equivalent to car insurance which is insane. They are just like any other insurance company -- out to rip you off. They did a terrible job with our medical history so that something idiotic like "occasionally eats a dead animal" is somehow a pre-existing condition even though I explained to them it only happened once when she was an infant. That's the most ridiculous pre-existing condition I've ever heard of. And then after they had made a full assessment of pre-existing conditions from her medical records, her first claim was denied because they went back AGAIN and searched even harder to find a reason to deny it. All of a sudden now her arthritis isn't covered even though she didn't develop it until after I started working with these morons. They are cheats and they are liars and they have terrible customer service.

Adding pre-existing conditions that don't exist, even though multiple emails, notes, and vet notes CLEARLY never said it's pre-existing. Also, the condition is not even currently existing.

Every time I called, I got an update where the claim sits. Communication was great. They paid out as indicated when we signed up for insurance.

It is impossible to reach anybody on the phone for any reason whatsoever. This is not useful. Whether they are any good as an insurance company or not, which I don't think they are, they at least have to pick up the freaking phone. They give you these long long long long long speeches when you press an option as if you're a flaming idiot who doesn't know how to read an explanation of Benefits and they're obviously trying to prevent you from reaching a human being and I never found out how to reach a human being. I just kept pressing zero forever until somehow it turned into hold music. Then I was on hold for about 20 minutes and I said never mind and I gave up because I don't have this kind of time. I really think these guys suck personally

The representative was so knowledgeable and helpful thank you. I forgot his name

My experience with Kanguro has been fantastic. They act quickly on claims and compensation for covered services shows up just as fast. I'd highly recommend them to anyone with a pet.