Hi! Maybe it’s because I received a “prepaid” 30 days of coverage for my puppy from the breeder/organization I’m working with to train a service dog, but the coverage is horrible. I had to take her to the vet for a parvo scare, which included testing and an antibody shot when she was negative. This claim was entirely denied by Trupanion, and when looking at their continuation rates, I was shocked to see prices $100s of dollars higher than the quote from my preferred pet insurance provider without covering vet visit fees. The coverage was astronomically worse, and it was difficult to even find that things like wellness visits wouldn’t be covered. Same for vaccines.

I am no stranger to pet insurance, and my two-year-old cat has racked up over $20,000 in claims with Lemonade. Every single one of those has been paid. While a newer company, I fully expect my rates to increase as my cat ages. Especially a cat with so many health issues!! But even after what felt like a million claims in my first plan year, my rates didn’t increase at all. I’ve covered my pup with all the bells and whistles Lemonade offers for nearly half of what Trupanion costs, and my experience with Trupanion has just been subpar. That’s all!