Lemonade
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Slimy Pet Insurance
Incredibly misleading with how they define “pre-existing conditions”. My dog has had a yeast infection once before and an ear infection, and Lemonade will now no longer ever cover either of those illnesses because she had them before. Condition would you lead you to believe it refers to long-standing or incurable diseases. Broken bone prior to starting? Sorry not covered. Eye infection one time in 2 years? Sorry not covered. Parasite during puppy age? Sorry not covered. They will do anything they can and will even try to tie prior illnesses into new ones by claiming that they are sometimes related and that is proof enough to deny a claim. Combine this with needing to meet your deductible, which fun fact for you, if your Coinsurance is %80 they only apply %80 of covered costs towards the deductible, as well as cover %80 once you hit the deductible. This means your $500 deductible is really $600. So doing some napkin math I would need to pay OOP $1200 (~$600 premium + deductible) for them to pay a dime…. even taking into consideration a fairly major incident it's just not worth the money. Also if you ever move states they wipe your deductible and make you restart from $0. Instead of wasting your money, save what you would pay each month for their awful coverage (~$55 for a healthy 2 yr old dog) and just have a dedicated fund. This doesn't apply if you are looking to insure a young dog or cat. You are heavily punished for not starting a policy at essentially 12-weeks.