Helpful vet chats, but sometimes wait times are long. Still worth it. 4/5.

I submitted my first claim for my dog's sick visit to a clinic which was denied within a matter of days without any phone call to me due to missing vet exam notes. I made multiple calls and emails to Spot confirming the vet had sent the exam notes and the claim would be reopened. The reps confirmed receipt of the notes. When the claim was not reopened as promised after 6 more days, I called again. This final time I called the rep said they never received anything which was a complete contradiction to the previous calls I had made. I cancelled the policy at that point since it was such a massive hassle on the very first claim. Waste of money on premium payments.

I filled out a claim form with all pertinent details but mistakenly used the wrong category for my claim. This shouldn't be an issue because the documents I submitted should prove my pet's conditions. They denied my claim twice without looking into the docs that I sent and I had to go through an appeal process just to get someone to actually READ the claim. Truly disappointed

My home was insured by Lemonade. I am very thankful I never had to make a claim because it is very hard to get in touch with them.

I registered two pets paid two policies and I only got one policy code but you took my money what's really going on

Yes they do cover what they say in your policy but beware! God forbid you make a claim. We had both our dogs covered by these crooks for years until we had to make a claim and then the policy monthly payment jumped by over 50% for the one dog and was ridiculous for the other dog after a claim the monthly jumped to over $250 but only after the claim. Of course they tell you it's because of a whole lot of factors but it sure seems like a really high coincidence that both times we finally made a claim the rates jumped up to the point where after another year that claim they would have their money paid back. Every year the claim would go up, but after a claim it was crazy. Our one dog started at $43 per month, then the next year went to $56, then to $74, then to $105, all with zero claims. Once we had a claim the next policy was going to be $163!!! Stay away!!!! The same thing happened with both dogs after a claim. Kept raising the premium every year and did absolutely nothing. Once they had to cover something it jumped like crazy.

Wish when you added additional pets, they would also be included on the app. That makes it easy to keep all of them together.

We had all claims for our 2 pups denied. It's a tribunal every time your puppy catches a cold and you want to get it covered - nothing like human medical insurance at all. I'd look for another option. This company has a lot of negative reviews, especially in recent years, and I wish that I had done my homework before signing up with them....Responding to their reply, the appointments were not all during the waiting period though their reason for rejecting was always "waiting period" in writing but if you called they gave a different answer. You can't win with this group- try somewhere else.

After reading the unhappy reviews I decided to cancel the policy I applied for 18 days ago. Even though they claim to return your money 100% if you cancel within 30 days they did not. Now I will keep shopping for another company.

I have a renters insurance fire claim with them and I have only ever been able to reach someone on the phone twice. The event happened over a month ago at this point and I still have no real information regarding the liability and personal property loss portion. Would not recommend their insurance. It seems good on paper but if you actually need to use it, good luck getting any sort of resoultion.