What are the pros and cons of Lemonade pet insurance? Has anyone had experience with Lemonade pet insurance and had to file a claim? How was your experience with the process? It’s been almost two months, and I haven’t received any updates from them
Was this your first claim with Lemonade? The first claim usually takes longer because they dig through all the records, but two months seems excessive. Have you reached out to them for an update
From what I know, Lemonade wouldn’t insure my house because of the wildfire zone risk, but no other insurer has mentioned this issue. Yet they keep sending me offers to insure pets at the same address. Makes you think about it
Lemonade has a policy of not insuring homes with a wildfire risk index score of 3 or higher out of 20. This score is lower than what other insurers might use, but it makes sense since they’re trying to stabilize their homeowners insurance loss ratio. Wildfire losses tend to be total losses, which can be significant
I see your point about insuring pets at the same address. If there was a wildfire, you’d hopefully grab your pet and leave. So, it makes sense that you could still get a car policy for the same address, since those aren’t fixed assets