My dog had an ear infection, and this was his first time ever having this condition.
This was also my first time filing a claim with Lemonade Pet Insurance, and honestly, the experience has been exhausting and frustrating.
I followed all instructions and sent the medical records to the email provided by the claim representative. Later, the claims department (Courtney) told me she never received the records and declined my claim.
However, my vet confirmed that they sent the records to Lemonade early in the month. There were two Vetco clinics involved, and both of them sent medical records. Despite this, my claim was eventually closed, with Lemonade stating they still “did not have records.”
So even though two veterinary clinics sent documentation, my claim was denied for “missing documents.”
This feels like poor communication or lack of attention on Lemonade’s end, not a failure to submit records. I paid for coverage, did everything that was requested, and still had my claim denied.
What makes this even more frustrating is that there is no phone number to call. The only way to communicate is through email or the app, which means long wait times and no real-time clarification.
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