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 )

I accidentally damaged my monitor, and unfortunately, my claim was denied by the Lemonade agent, who said it wasn’t covered under my policy. While I’ve accepted that and will buy a new monitor myself, it does raise concerns. If something more serious were to happen, would they truly have my back—or would they point to more fine print? This experience has made me question the level of real protection the policy offers

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.

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

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.

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.

I have loved Trupanion and felt it was 5 star for many years but this new landing page and sign-in is very bad. I often have to try multiple times and I do not like the predominance of French on the landing page. FYI, I speak and read French.

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.

Lemonade is dropping my homeowners insurance coverage because of “tree proximity” and “water heater age”. All of this after requiring hours of work to provide photos and documentation to them. Awful experience working with the customer service team. The tech and the app is appealing but they will kick you to the curb as soon as they can.

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