Hi, I just wanted to share my experience with Lemonade after having gone through cancer with my recently passed kitty, Tortilla, who was 6 years old both when we bought her plan and at the time of her passing. She had large cell GI lymphoma that suddenly appeared in early May. I got her plan (premium preventative care package, 100k spending limit, 90% reimbursement with $250 deductible, end of life coverage, dental disease coverage, vet visit fees). We had over 7K in vet bills, but lemonade actually covered around at least 6K I believe. I actually only got her a plan because one I somehow had a horrible feeling something terrible would happen to her (I hate and am grateful that I planned for that but I wish I had for no reason) and two because we had adopted a dog (her name is Lexie) who we bought insurance for too late and she had a million pre-existing conditions that basically rendered nothing covered for her. We wound up going the palliative care route, and unfortunately we didnt get much time I believe not even a month passed before she left us after her diagnosis. But, the bright side of this horrible experience was we were not saddled with thousands in debt since my family and I are not doing so well financially this year. They covered 6K of the treatment and diagnosis bills, and completely covered end of life fees and memorial items. I am so grateful I decided to buy her plan. Now, the negatives. Tortilla worked out great since she didn’t have a history of illness till the cancer and only had preventative vet visits in that history with no illnesses popping up. I will say, though, the approval waiting period was insanely long. Took like more than 2 weeks for reimbursement, but they did approve us for a crazy amount (at least to me). So if that’s important to anyone, keep in mind the bigger value claims take a longer time to get approved. With my dog Lexie, however, this did not work out as well… As a first time dog owner, I did not realize how many health issues a dog could have. My cat Tortilla came first, I’d had her for nearly 4 years (adopted her in Sept. 2020) at the time of getting my dog (April 2024). Tortilla was always healthy and vibrant, and while I wish I would have been more proactive with vet visits, I can’t change anything now. So, my mom and I decided to hold off on getting pet insurance for the first few months. Horrible mistake. My dog happened to have basically a weak weak stomach and everlasting GI issues causing behavioral issues (from pain) that are still unresolved to this day. She’s been in and out of 6 vets with over 13 visits since last year. I was only 19 during this and had no idea what to do and neither the idea to get pet insurance since I was so overwhelmed, and most of it fell on me since my family wanted to keep Lexie and I also didn’t have the heart to give her back to her rescue. So, I fought hard to get her diagnosed and treated, which I’m still fighting to today. But, now my mom and I have spent probably over 5K on her vet bills too (on top of Tortilla’s). I might as well have lit the money on fire that’s how helpful everything has been. So finally we got her insurance in early September, only after having her behavioral issues diagnosed. This was a horrible mistake on my end because now nothing was covered. So, long story short Lexie saw a million different vets (including a vet behaviorist) and absolutely everything I filed for was pre-existing and none of that 5K is covered. I don’t think this is all Lemonade’s fault or anything of the sort, it’s just an unfortunate situation because I was misguided and overwhelmed back then by both Lexie being a young puppy with behavioral issues and GI issues. Overall, I honestly would recommend Lemonade for anyone signing up a new, young pet or even an older pet with no pre-existing conditions. I’m not sure if I would recommend it over others, like PetsBest or Trupanion (although I have been seeing some pretty insane price spikes for others from Trupanion). I’m still weary but since they were so helpful with Tortilla (even if it took a bit) I decided to stick with them and signed up my two new kittens we adopted before she passed and made sure to sign them up early (3 weeks after adoption). I also would say a positive was how easy it was to file claims and speak with your claim rep. I don’t really like talking over the phone, so it was nice just talking via email, text, and the support center. It was also a very smooth process to file the claims, since everything is just in the app and you can customize the types of procedures and costs you’re inputting (there’s options to put general diseases already in their database while filing a claim but you can add custom text which I found helpful). So yeah. I honestly don’t know if the grass is greener for other companies, but I feel like most insurance companies are not exactly looking out for the pet or even human as their priority, and I feel Lemonade isn’t too too much like that. Hope this was helpful for anyone that read through all of it, thank you!! TLDR: Lemonade was very helpful for my cat with no illness history that contracted sudden cancer (reimbursed over 5K-6K). Not so helpful for my dog as she had pre-existing conditions so nothing was covered, but if anything new pops up it should be OK (she’s still a young dog). App is very navigable and easy to use, claim support staff is helpful and friendly, larger bill claims can take awhile to process though (took 2-3 weeks for Tortilla’s bills). Can’t really do phone calls, but I did prefer the email and text system (personally).

Hello! I have a 4 year old dog and I am looking to change my policy from healthy paws. I think they're great but I hate that I have to pay for yearly vaccinations/checkups and dont get re imbursed. Any recommendations for a good insurance that has a low deductible and will reimburse annual exams which include vaccinations, possible dental care and flea meds? Thanks in advance!

Hello! I was rear ended, and the other party was liable. I submitted my vehicle for repairs at the shop of my choice. The car has been in the shop for way longer than the estimate stated due to shortage of parts. (Estimate was approved for 20 days, and its been almost 5 months lol) Adjuster stated they wont be covering the rental because it was excessive. I know that some shops are not truthful, but I confirmed with Acura. The parts were genuinely on back order the entire time. I told the adjuster that its not my fault that Acura is backed up, and that I wouldnt be in this predicament if their insured hadnt hit my car. He insisted that they wouldnt reimburse me for the rental. Side note: Originally the adjuster estimated approx $9K in damages, and the shop was in the ball park of $21K in damages. When the supplement was issued, the allotted time to repair still stayed at 20 days, is that normal? My thought process is that if there was more damage, then it would take longer to repair lol. What do I do? If I seek legal assistance are the odds in my favor? Im in Illinois if that helps.PLEASE HELP

I was in a minor fender bender in a parking lot. Other driver was turning into main drive. I was passing a car that was stopped so I was hard to see. I had minor scrape to left front bumper and other driver had minor scrape to left front. Probably about $1,000 damage to each car. Exchanged info, he's an attorney who does work for state farm. I had camera in car, but actual collision was on side so actual impact not shown. Sent my info and video to State Farm. Got an answer in one day. Was told it was inconclusive, and no one was at fault. So, we both pay our deductibles. It seemed like State Farm looked at the option that would cost the company the least, especially with the speed the determination took place.

On March 11th, 2024, I had an outpatient surgery procedure done. Flash forward to today, April 8th, 2025 and I just received a bill for over $3000 for this surgery. The bill states that the surgery cost overall was $20,000 and my insurance at the time paid for ~$16,000. I was covered under United healthcare and this coverage ended about 5 months ago. Here are my questions: 1. Why am I just getting this bill now? Is this even legal? (I live in WI) 2. What would be the first step to getting this figured out?

I faxed in a request to cancel and cash out an unneeded long-term care policy. I noticed I was billed again, about a month later. I received in the mail that same day a letter denying my request because the signature doesn't match what they have on file. I called Allstate and they told me all I can do is resubmit and ensure the signature matches, but it'll be declined again if it still doesn't. I was told I'd lose the accrued value if I disputed the charge or stopped the payments. I'm at a loss. My signature hasn't changed. Any suggestions?

I was just notified by Amica they will be dropping me in June due to having 2 previous claims in 2022 and 2023. Both were from individual pipe bursts Amica fixed. I’ve resolved further issues by paying out of pocket to repipe the entire house in 2024. Amica was aware of the re-piping but was still not interested in keeping me on. I do not live in a fire zone. I’ve been told no by several insurance companies stating because i’ve had water damage claims, I’m ineligible for their coverage, even though I’ve completely repiped my home last year. I have tried working with two different independent insurance brokers, both haven’t had success. One found a home policy for $18,000/year. Not including auto and umbrella. I was paying $4500 all in. Anyone have any luck getting coverage in a similar situation as me, with previous claims? I’d love to avoid CFP and DIC if possible. Thanks

I wasted hours giving them information, more personal than any other company asked for, all the while them promising me several times that they are writing policies for my area. When it finally came to the moment of truth they admitted they could give me a quote from Bamboo and the Fair Plan!!! I could've gotten those quotes myself in ten minutes, but instead spent probably 2.5 hours registering family members and giving them SS numbers, confirming phone numbers, etc. I swear they are in the business of compiling personal information rather than providing insurance.

I’m 23, no accident or tickets at all currently driving a 2021 Mazda3 hatchback, no loan on the car. Currently paying 362 a month for full coverage with USAA and live in Florida. Should I look elsewhere for insurance? I’ve been with USAA 5 years now and I’m starting to think I’m over paying.

Hi, first time reddit poster, hoping for some advice. I got a new, much better paying job in Oct. Of 2023 and no longer needed food stamps or medi-cal. I updated my information in both systems (so I thought). California food stamps was difficult because it wouldnt update for some reason so I finally called them and told them to take me off the program. Now, flash forward to 2025 - I've received a letter in the mail saying I got renewed for medi-cal. I did not get this letter last year. And I haven't used medi-cal since I got my job. I checked the website and it still has my old jobs. I've had state medical insurance in Illinois and never ran into this kind of issue. What would be the best course of action to fix this? What kind of penalties could I face? Any suggestions would be greatly appreciated. I haven't updated the application on the website yet, I'm waiting to give them a call on Monday.