There is absolutely no reason to use this service. They can’t provide and subscribe medications beyond 14 days and there’s conflicting information about whether they can even prescribe them at all. They don’t tell you upfront when you join that if you do want to have a consultation about medication’s for your pet that there’s a $30 fee. They say that they have 24 seven service but when there’s an issue, it takes at least one to two business days to get a response business days meaning so over the weekend it’s gonna be more like 3 to 4 days. You cannot speak to a live person. You’re welcome to speak to a bot. This has been a total waste of time 100% frustrating there is no point in using this company whatsoever. My recommendation is runaway find something that actually is worthwhile

I had an appointment today at 7:50. I was waiting in the zoom room. The vet never came on, and charged me a no-show fee. I was interested in their price matching “promise”. You have to 1. Already have an appointment and PAY for the full price and 2 submit ridiculous amounts of documentation that MAY get them to “refund the difference”. Note that it does NOT say that on the online pharmacy before you pay for a subscription. Such scammers.

Have not been remembered!!!!

Would provide 0 stars if possible. All claims submitted have been denied in full without explanation despite my policy documents stating that visits would be covered, at least in part. Customer service is abysmal. Will not recommend and have had to find and purchase a policy elsewhere in addition to the one I supposedly have here. Run don't walk from this scam. They are happy to take your money, but have provided absolutely no benefits, to my pet or my family. Simply wasted my funds and caused additional stress from the extra time and frustration allocated to trying to contact a person to provide assistance or information at every step, even with simple requests like updating my pets name upon bringing him home from the breeder when first incorporated to our family. Save yourself the frustration and your premium and just find a reputable policy or pay out of pocket to your vet as required.

Horrible experience on final claim after losing our dog to cancer. I have had this insurance for 10 years. Never had a claim until March 2025 when we found out our dog had cancer. I submitted 2 bigger claims, but under $500. Another for medications and a final for euthanasia which $150. Never in the previous larger 4 claims did they ever ask for a full 10 year medical record of our dog until the final claim. Seems if a full medical record was necessary it should have been required on first claim, not after losing our dog and on the final claim. This company is unethical and I cannot help but wonder if this about getting yet another payment while they jerk us around.

Every year, Fetch will raise your premium, increase your deductible and reduce the reimbursement rate. STAY AWAY!!!!

I've been with Lemonade five years. One claim in 2021 and one within the past month. Premium doubled in 2024 due to cats age. Claim this month was approved and applied to my deductible. I needed a reimbursement since funds are tight. Called them on 5/7 to see if claim funds could be applied to monthly payment - was told I would be contacted by escalation team within 1-2 business days. Have not heard back and monthly charge was deducted today. Buyers beware of their process - can work for some, but see no value in this company anymore.

I had a conversation through email regarding my claims. They explained why i was not getting paid with one of the items I sent, however, I asked them what about the rest of the claims which were not pre existing condition? I haven’t gotten any answer.

Their ESA letter does not hold up to scrutiny. The therapist who writes it has a legit license but has a voice mail greeting that says she doesn’t speak to landlords and any requests must be done through “your portal”

I have a Healthy 5 year old Mini Schnauzer I put and fetch insurance last year las month my dog ate somethin that made him very sick took he would not eat and through up a green substance I took him to the emergency vet A bill of 1300 I put the claim and was denied because the dog did not see the vet for a year . this was not explained a healthy dog . The took 15 day to denied . Don't get it they never answer phone for your question .