Lemonade Pet Insurance completely failed me. I submitted a claim for my dog Max (Claim #LPC180-754-290) with all the required documents and waited patiently for over 4 weeks. After the long wait, they denied the claim without a clear explanation.

You have to pay out of pocket first (full amount) and you’ll only get 1/4 $ back. What’s the point? $840/ year and you’ll be lucky to even get $250 back.

my first experience with your company i was very disappointed…. I had to remind My Litchfield Vet dr to use your insurance… even tho i had been informed by you it was done. With my first bill over $900, you paid only about $50 of the total. And i am paying for insurance ?

Called Trupanion twice to inquire about a surgery my dog needed and was told it would be covered and I am responsible for paying the deductible. Dog had surgery and I submitted the invoices and received a message it was denied. Called and they resubmitted it and was approved minus $267 in taxes. Called again and they didn't know how the adjuster came up with that amount. Taxes were less than $8. Waiting to receive my reimbursement. Wasn't impressed with the process.

For the past three years, I’ve recommended Trupanion to every pet owner I know. Unfortunately, that will no longer be the case.

Submitting claims is very easy. It usually takes them 7-10 days to review and respond to a claim.

The system said they couldn’t insure me because my house has a basement , I don’t know why they made this assumption ( it doesn’t )

First, they only offer an annual subscription and it is IMPOSSIBLE to reach anyone or get any kind of customer assistance. Vet was meh. My dog gets occasionally bouts of loose stool/diarrhea. My past vets would prescribe a 10 day, 2x/day course of pills. Dutch vet prescribed only 3 PILLS. 3. Then I get an email the next day with tracking info - another 10 DAYS until I'd receive the meds. Absolutely USELESS especially since I had to pay addtional $29.50 'Pharmacy Processing Fee'.

I was very transparent in my submission as to my dog's health and pre-existing conditions. Obviously, I realize that none of her pre-existing conditions would fall under allowable coverage, however, there's a lot more to a dog than a pre-existing condition. There are many areas of Health and Wellness that need to be addressed throughout the lifetime of a dog. Yet you declined my application. Not cool! I will never use Nationwide again nor will I refer any friends or family to it. I used Nationwide for a previous dog and I wasn't entirely satisfied with it then either.

The Wellness coverage is disappointing. Other pet insurance companies offer better Wellness program coverage for an equivalent fee.