Lemonade Cat Insurance Review

[@raptureready3015]

I personally have ASPCA pet insurance for my cat. She has megacolon and is on a special diet with that expensive food and everything. Lemme tell ya, if I didn't have that pet insurance, I would be broke as a joke. They pay 80% of every single bill. They pay within 3 business days of submitting a claim and it's been the best decision I've made concerning insurance for my cat. I pay$17 dollars a month and it's honestly saved me thousands.$250 is my annual deductible.

[@ellie-bee]

I think this is the one I'm going to get. I think my cat has feline asthma. I just adopted her in January.

[@mitchellregenbogen7173]

My friend has ASPCA insurance. Her dog has serious digestive issues. She hit their $6,000 cap for one "illness" and now she's left out in the cold.

[@raptureready3015]

@@mitchellregenbogen7173 yeah, there is a cap.

[@ellie-bee]

@@mitchellregenbogen7173 Its so hard to figure out which one to pick

[@raptureready3015]

@@ellie-bee they all have caps... Good luck and I'm sure you'll pick the right one!

[@incog99skd11]

My cat, Nehemiah, somehow broke his leg badly while outside when he was little. It cost more than 5 thousand dollars for surgery, pins, screws and hospital visits before it was fixed. I am ordering insurance for routine visits annually and for these unexpected things that happen. Nehemiah is now a housecat. He no longer wanders freely outside unless supervised by us.

[@localchumb]

I hope your kitty was able to make a full recovery

[@0rangecat]

We have lemonade for our two cats and tbh we're in the market for new insurance. They have been pretty unhelpful throughout every claim we've made. Every little piece of communication has been really inefficient, they always lie and say they contacted the clinic or that they hadn't received documents, when at VCA they emailed the documents and CCd us, right in front of us. Watch out ppl. Their app looks great, their coverage not so much!

[@justthinking526]

I recently got Lemonade renter's insurance. Really happy you're reviewing the pet insurance aspect.

[@Vivalanicky]

I’ve had lemonade for a little over a year now for both my cats, they’re pretty great.

[@matticusminot8086]

So you wasted money for nothing, because you think your nice?

[@1800llamas]

@@matticusminot8086you’re

[@vegitalian285]

I have Lemonade for my BSH kitten Milo and I'm happy so far. I did get quotes from a couple of others and this was the biggest bang for the buck. I opted for the preventative care add-on and got reimbursed for a good chunk of my first wellness visit with Milo. So far so good, and glad to get validation I made a good choice (based on your review).

[@luckyluna62]

The claim for vaccines and general exam was very quick and I only did the text thing and receipt, but that's the minimum and my cat is 1 year old lol so I just got it and I really hope it stays smooth in the future

[@tanyab78]

Ive never heard of lemonade, but we have embrace and I love it!

[@ajanthaworld]

AH yes, I was looking into Embrace and was about to ask if anyone has this insurance. Have you filed any claims as yet?

[@tanyab78]

@@ajanthaworld yes! 3 or 4. Never had any issues 🤞🏻🤞🏻🤞🏻

[@ajanthaworld]

@@tanyab78 Thank you so much, because I have been comparing for weeks, but keep coming back to Embrace. Will get the policy today. Thank you!

[@deborahmcclain8134]

Recent research - Lemonade premium starts low, but adding dental care + vet exams pushes into higher tier (w/ plans that already include some of that). Nice to have choices, tho'!

[@thescotsmantechnologyrevie2138]

Another very good video! I live next to a race track called Mallory park. Not sure why I’m telling you that

[@soshio_]

Thinking about changing my pet insurance. I have HealthyPaws and luckily only had to file a claim once. I didn't like the way HealthyPaws responded to the claim. The wait was long and instead of telling me the claim amount was applied to my deductible they told me it was denied bc of missing documents. I had to email them a few times to get the correct reason(I admit that I forgot I have a deductible). But, every time I tried researching pet insurance I always ended up concluding that most pet insurance is a scam and the ones that are not are so expensive that it's hard to afford when you have multiple cats.

[@kylofish7321]

I’ve had Lemonade now for about a year, but didn’t realize I hadn’t added the vet visit fee rider. Beware, if you want to add this when you renew, Lemonade will not allow you to if you’ve made any claim towards your current policy. Also, claims were very breezy and easy for me, up until I hit my deductible. Then, the first claim after that, I got stalled and over a month later, that claim still is pending. They emailed me talking about obtaining documents from the vet, but I’ve provided them with everything. Very frustrating because I can’t just talk to someone.

[@jessenceq3250]

Did you ever reach a resolution? Or did you find a better insurance company to do business with?

[@kylofish7321]

@@jessenceq3250 I went with another company. I finally did get this issue resolved, but ran into another issue when I requested to add vet visit to my policy upon renewal. They would not allow me to because I had made a claim at some point during the previous policy year.

[@jessenceq3250]

@@kylofish7321 That's absurd. I'm sorry. Which company did you choose and why?

[@kylofish7321]

@@jessenceq3250 manypets. Can say one way or another yet on it. Have a claim in with them now, so crossing fingers it’s not a headache.

[@illslaptfouttaya]

​@kylofish7321 should iadd that visit fee ?

[@whiteknightcat]

There are a couple of items not made clear in the video: - as a pet ages, do the premiums go up annually or are they grandfathered in based on the age at initial coverage; - once a pet reaches the age of non-coverage, does coverage simply end or does the age limit only apply for initial coverage

[@Katjaneway]

I've been trying to get an answer about the 2nd question for the last couple of days. I'm adopting an 11 year old cat and considering lemonade v. Figo. But if lemonade is going to kick her off once she reaches 13 that is going to cause a problem

[@Katjaneway]

I just got a response from Lemonade. (Downside, it took 2-4 days). As long as the cat is younger than 13 when signing up they can remain on the policy as they age as long as the policy remains active. They did not specify if premiums would skyrocket, however. But for the plan I chose, which is for an 11 year old domestic Longhair female with the most expensive wellness package because it includes dental, it would be $65 a month. 250 deductible, 5k limit I believe, but also 90% payout.

[@TheCatButler]

@@Katjaneway Hey most pet insurance companies raise prices as a pet ages and if your cost of living goes up in the area you live in . Hope that helps!

[@khabibpogosyan2587]

I have renters insurance from Lemonade, but since they do not cover dental services, I would choose another pet insurance for my kitten.

[@lynnbui371]

I’ve been looking into pet insurance, this was amazing! I’d love a video on cooling and warming beds/pads and your thoughts/the best ones!

[@sharonl4821]

Thank you - a great video for someone doing research. I ended up going with Healthy Paws last year. I did lots of research.

[@loveandlavender11]

What do you think of Healthy Paws? I’m leaning towards using them as well, but I’m wondering about primium increases, which is my main concern. I had Trupanion for my previous two kitties and, while they were good with accepting claims, my premiums SKYROCKETED. My girls lived to be 15 and 20 and the premiums at the end of their lives were over four times as much as when they were young. I’m so thankful I had it as it saved me so much money, but am looking for a company with more reasonable increases.

[@sharonl4821]

@@loveandlavender11 I have had them for just under a year and haven't seen a premium change yet. My cat is going on 2 years old. I did have a claim for a hernia surgery, I had to follow up and send the bills a few times before they processed the payment. As long as premiums don't jump significantly I will stay with them.

[@loveandlavender11]

Thanks for responding! They seem like a well respected company.

[@sharonl4821]

@@loveandlavender11 Hi - I just got my one year renewal notification, the premium is increasing $1.20 per month.

[@Resist4]

Having a pet sure has gotten expensive. But it's sad that there's no coverage for older pets, because that's when the need it the most and some would just put them down than pay to save them.

[@christinagonzalez7125]

This video very help can you do a video on fetch pet insurance I saw on the news liked it up this veterinarian calls out into the community of homeless and low income I think pet owners that can’t afford vet visits I believe every donation goes out to the homeless with pet owners something like that and it seems like practically everything almost everything is covered not sure about their deductibles it works if you can do a video on it I agree, appreciate it thanks

[@arlenewitt248]

We purchased a policy from lemonade based on your recommendation almost a year ago. The policy is on a five year old cat that showed up on our deck starving, so we took her in. We took her to the local Humane Society for her shots and a healthy cat check up. She passed. When we got the lemonade policy, they said they needed to see copies of our reports from the treatments she received, but they never provide us with an avenue for uploading the reports. Not impressed at all! Bottom line: We’ve never even been able to use the policy. It’s ridiculous. Fortunately, our cat has been healthy. Would I recommend the cat insurance to others? No! Not unless you’re found of chucking your money down a hole. Oh yes, we left a message and they never returned our calls. Guess our messages went down the same hole.

[@arrangray4954]

You email them photos of the documents?

[@jessenceq3250]

Yes, did you try email?

[@lolaloliepop]

same experience. They drag things out and lie a lot to make it seem like you never sent the documents even if you did until it's past the 180 day mark and then they say we can't cover it because you didn't send us anything (despite a world of documentation otherwise). Then they never pay out for what they're supposed to cover anyway. Useless.

[@Sp-xsalina]

I'm wondering if you looked into spot pet insurance? Looking for one in 2023, wondering what you still recommend.

[@Opalescence_Artlife]

Love this! Could you do one for Healthy Paws pet insurance? We have a new kitten and look around.

[@loveandlavender11]

I appreciate this video as I’m trying to decide on insurance currently. Do you know of any way to find out how the premiums are likely to change over time? Aside from using a good, reputable company, that’s my main concern. I got a Trupanion policy when my previous kitties were each ten and by the time they were 15, the premiums were over four times the original cost. I was told the cost would never increase based on claims, but rather on average vet costs in my area. I would like to find a company with more reasonable increases.

[@ocgwife2274]

I'm pretty sure all pet insurance companies are doing this as the older they get the more likely they will have issues. I was lucky I bothered to sign up one of my kitties as she ended up with asthma and needs an inhaler which is $300 every 2 months. I won't be able to get a different pet insurance on her as it'll be pre-existing to any other company and won't be covered, but I've not had any issues with Figo so far, when she's 15 I might be paying $100/month but she'll still need the inhaler so that's just something I'll need to make sure I think of in the future. I like Figo because I have multiple ways of getting in contact with a person, they use facebook messenger, SMS, and you can call them as well and they also have a chat with a vet 24/7 feature so you can ask questions to make sure you make the right decision for your pet. One of the major things I think you have to make sure of is that the insurance company will be around 20+ years from now, if your pet gets a cronic illness at 5 and the insurance company goes under when they are 10, then you can't cover that illness by signing them up for someone else.

[@loveandlavender11]

Yes, I agree with you. Thanks for weighing in! I’ll check out Figo also.

[@ocgwife2274]

@@Lisa-cn2uu I do the unlimited plan at 90% back, she's 4 now and it's $21.88 monthly. That includes the $2 fee per month, if I paid annually it would be the one time $2 fee per year. My 3 year old is $22.20, not sure why the difference, but that's how their adjusters made it.

[@ocgwife2274]

@@Lisa-cn2uu they had never been on insurance before, so if I had wanted to add them right now it would be at least $100 monthly and they would only get 50% reimbursement. I should be locked into the 90% with the younger ones from what I understand, but the premium will rise each year. I'm not sure that it will be $100 though, as that would have been for a never been signed up 13 year old.

[@8ofhrts]

I've recently gotten my first cat, and I'm shopping around for different insurances. For me, the inability to easily speak with a insurance agent about my policy is kind of a deal breaker. :/

[@8ofhrts]

@@ohyahitserika oh okay, that's solid. Thanks!

[@ethicscannie5716]

What countries does this company operate in? Do they cover Canadian cats?

[@pinkpotatoes9849]

Can you do a video on the best way to make sure your cat stays well when we go on holidays, please?

[@joniangelsrreal6262]

Always an informative video…🐈‍⬛🐈‍⬛🐾🐾🐾🐾

[@meyou8033]

Pet insurance in Australia is a massive rip off. Even my vet says you are better off banking the premiums instead of paying a company to end up deciding that your claim is denied. We had a claim denied after our cat inhaled a grass seed which ended up having part of a lung being removed. The vet even wrote a note stating this was the result of an “accident” as the cat did not deliberately inhale the seed. Claim refused. All five cats insurance terminated the next day. We put $50 a week away now and have a fund over $7000 for any incident. Yes, that may not be enough, but it helps us divert other funds if needed. A good base and not having to rely on some pencil pusher to decide if my cat lives or dies.

[@mfdoomify]

Hello Mallory, I know this is off the subject of your video, but I was wondering if we can possibly get a good review of the food brand Nulo! I would really love to hear your side of what you think of that cat food! Thank you!

[@jennifer9047]

Yes! Seconded! I have asked before, but not gotten a review yet...

[@Katjaneway]

I fed nulo to my cat before she passed. There are a couple of other KZbinrs that talk about that brand... What is most important is looking at the first 5 ingredients to see if anything is in them that doesn't fit with a cat's need, like wheat gluten, by-product meal, corn etc. Nulo is good choice when it comes to that

[@shawnsg]

As a few others have mentioned, you're probably better off in the long run setting aside the equivalent monthly premium and deductible.

[@mtg610]

Thanks for all the good info. More importantly, where did you get that pillow!?!?

[@AllAboutCatsYT]

elsasketch.bigcartel.com/product/tuxedo-cat-pillow

[@CatLover-g7j]

Yes..ASPCA is one of the best....

[@tovahjones]

Really? I’m considering but not sure if It’ll cover if my cat has issues because he’s a rescue and I’m not sure what his medical history is 😫

[@bluewave7120]

Will they cover pricey surgery and chemo for cats? 🐈

[@aaron12693]

I was curious, so I looked up how much $2.3 million in donations actually means to them. Their revenue for last year was $128 million, so they gave away a little under 2% of the money they brought in. Honestly, that's more than I had expected, but but less than you might think. I think it's useful to get some context for these things. Thanks for the review! I have a new kitten and have never had insurance for a cat before, so this is super useful.

[@tribulationprepper787]

Aaron, AND... Once these charitable donations are received, how much of that money actually goes toward the advertised cause. Too many charitable institutions have been investigated over the years for fraud for me to ever be comfortable in giving. I would rather give a few bags of cat and dog food to my local animal shelter. That way, I know my donation will be used as I intended it to be used. I just paid the vet $449 for services and tests on my 13 year old cat. That comes out to $2.78 per month... so far. Much less than the $1716 I would have paid out over the thirteen years at $11 per month.

[@arrangray4954]

Keep in mind they are not profitable yet

[@tribulationprepper787]

@@arrangray4954 Yeah, Hard to be profitable when the CEO is receiving multi million dollar bonuses.

[@konpeitosama]

What about Nationwide?

[@tribulationprepper787]

I wonder if some or all of the positive reviews for Lemonade were written by Lemonade's AI bot or the Lemonade staff??? This kind of shenanigan happens all the time in the retail world.

[@lolaloliepop]

I feel like they are. I and everyone else I've come across who's used them has the same horror stories of how shady they are.

[@fanpulse5439]

Hi Mallory, can you do a review on REVEAL CAT FOOD. Thanks in advance

[@AllAboutCatsYT]

Hey there! I'll consider it for a review on the channel, but we did publish a Reveal review on the All About Cats website here: allaboutcats.com/reveal-cat-food-review

[@DarvonBrown]

Hey Mal, great video

[@shawnamcdonald2463]

Hi do they sell insurance in canada

[@Obelisk57]

I got my cat from the shelter, and the shelter gave me one complimentary checkup at my local vet. The checkup went well. I stupidly and casually mentioned I noticed she had loose stools probably because she was a stray and ate spoil food on the streets, who knows, so the vet sent me home with some meds, and the problem went away. I then purchased Lemonade insurance, who then obtained the record from that vet. 4 months later, my cat had one incident of diarrhea and vomiting so I took her in for a blood and urine test - $350 total. My claim was rejected by Lemonade citing - PRE-EXISTING CONDITION. Either they are playing stupid or just don't know diarrhea is a symptom of many things NOT a disease like cancer or CKD. If my cat got into my trash and ate more rotten meat, can it cause diarrhea? If I switch food too fast, can it also cause diarrhea? They sure can! Lemonade doesn't care, it's happened in 4 months ago, it must be related. All diarrhea(s) are caused by the same underlying condition. The consolation prize Lemonade gave me was - "BTW, good news is if your cat doesn't show any symptoms of diarrhea after a year, it's considered CURED!!!!!" WOW, thank you Lemonade! It only takes a year to cure diarrhea? That's it? How does this insurance company make any money insuring a cat that has DIARRHEA???!!!!!! I reported them to BBB and I am in the process of cancelling the policy. Moral of the story? KEEP YOUR MOUTH SHUT DURING INITIAL VET VISITS. THEY WRITE DOWN EVERYTHING YOU SAY, WHICH THE INSURANCE CAN USE TO WIGGLE THEIR WAY OUT OF REIMBURSTMENT. And I would not use Lemonade ever again.

[@localchumb]

I do love me some lemonade

[@tovahjones]

The thing I hate is lemonade is advertising as plans low at $11 a month but no one get quotes lower than $33

[@bellall123]

Any good recommendations for a cat that may need endoscopy and biopsy? He’s 11 yo

[@blackstep_dad2572]

I have Lemonade home insurance. Never knew they had pet insurance lol

[@trishathomas7588]

It's hard to evaluate an insurance product if you haven't made a claim. You can't submit your claim online. You have to go through the app and use a smart phone. The chat bot walks you through the steps, but you can't ask it a question or get any clarification. I found it to be an overly casual exchange and completely tone deaf, considering it's likely you are dealing with a difficult diagnosis for your best friend. And then you have to film yourself talking about it. You scan and submit the notes and receipt from your vet. Then you get a real person who will e-mail you about your claim. I found my claims person to be very kind and professional. There were more questions and more paperwork, and they said they would reach out to my vet. My claim did get paid, eventually. I was worried that with my cat's new diagnoses my renewal rate would be too high, but I can say it stayed about the same. I have a three-year-old cat.

[@arrangray4954]

How long did this take?

[@kaleenagarza2234]

Has anyone gotten lemonade with the optional dental care add on? Is it worth it for the extra $147 a year?

[@ricoriofrer3706]

🙄 As always, age and health history requirements. Very Insurance thing.... But your right, at 6:02 Lemonade offers the Best!

[@fedstr2025]

Would you say the water fountain video still holds up in 2022?

[@deborahwinkler1554]

I have a question I just came across this and this doesn't pertain to the video you just put out but my cat will be 14 years old in October she's a blonde hair tabby.

[@matthewmcclain1316]

What's the question? Perhaps people in the comments could help.

[@deborahwinkler1554]

Sorry I put a part two up with the question in it

[@Mondrian777]

14 minute video for this info? Just watched a short with same info under 2min.

[@deborahwinkler1554]

And I noticed that she gets older she doesn't eat like to eat or dry food that doesn't find anything wrong with her but comes out perfect urine is perfect she weighs like 8 points 8 lb 1 oz any idea for how to get her to put some weight on and eat more dry food I do feed her wet food tablespoon a day throw the vet

[@lseh]

Not in Canada? :(

[@AllAboutCatsYT]

No, it's not available in Canada. You might appreciate these recommendations for insurance in Canada: 365petinsurance.com/pet-insurance-canada/

[@sarahgreaton1345]

Lemonade isn’t available in Maine apparently?? Really sad it sounded great

[@arrangray4954]

Soon

[@corpshu]

I never knew pet insurance existed 😳

[@Jim-tj5lq]

Great video

[@Tysmd]

she play tower heroes?

[@stationvictormike3415]

I had a lousy cat insurance in the past

[@alexl1652]

I've canceled my Lemonade acc. because they don't cover spaying/neutering procedure which was something I needed

[@mishiiahmad172]

They cover but you have to pay more 😊

[@Janopooh]

When I softly bite my cats ear she like it...is she insane or am I?

[@matticusminot8086]

Are you kidding me pet insurance, when most of you willing to run over rabbits and squirrels. No but your pet is special, it's a animal, all animals need respect. If they die give it to a river or forest. Let nature take it's course. Ya pay money for nothing insurance LOL.