They are fine overall, although the digitalization of everything makes things ten times more complicated.
My other dog, whom I adopted, is giving me all kinds of problems, but my first dog, who has had coverage since he was a puppy, has never had any problems. I have two bills that I need to get checked out by the veterinarian one that has everything covered and the other that has something I know they will not pay for. It also interferes with my monthly budgeting as I am unable to pay a bill early. I have inquired repeatedly with no success. Esurance offers early payment options and is entirely digital, so you can choose not to accept them. I genuinely believe there is a lot of disinformation since you will never be able to call anyone. It has led to the denial of claims that would have been paid for otherwise. Processing claims has been taking one to three months, unless you have your vet break out the invoices.
Although the firm is not bad, these past three months have been exhausting for me. I do suggest the preventive coverage, which I use to its fullest each year, and I am considering getting dental work done. Dental add-ons will not cover previous dental neglect, which makes reasonable, but I’m thinking about whether the benefits will outweigh the cost. For the record, I cover 90% of the cost for both dogs. The older/adopted one has a $500 deductible, while the younger one has a $250 one. For the younger child, I had APSCA at first, and because there was overlap in coverage, all difficulties were covered. However, I think they no longer do it. Although ASPCA overcharged, they provided excellent service with fast turnaround times. Compared to the ASPCA, I now pay less for preventative coverage.
It was ten times easier to acquire answers to my questions after I located their phone number surprising. It should be noted that if your dog is older than two years, they will not cover microchips.
Thank you for sharing your experience. It appears that Lemonade works well for claims that are very clear-cut and do not involve any prior problems or the requirement for human assistance. But handling them in any other way might be really annoying. When I was looking for a policy back in March, I tried really hard to speak with a human and I had some questions for them. For days, perhaps. never managed to contact someone. This was undoubtedly one of the reasons I did not choose them, among other reasons. You are not eligible for assistance if your claim or query does not fall within a tidy chat bot category. It really irritates me. Call me outdated, but there are moments when I want to talk to a real person rather than a mindless chatbot. The fact that they require you to split the invoices is also somewhat absurd. And a hassle for the veterinarian too. Since Lemonade was the one who initially created the exclusions, they ought to be able to resolve the issue quickly months rather than years. Oh no. I apologize for all they’ve been making you go through. I hope your pets recover quickly.
As a young millennial, I prefer to complete most tasks online, but there are situations when a phone call is necessary. They say it is all about “ease,” yet it has really made things more difficult. My veterinarian has always been wonderful and cooperative. Thus far, my GSD has not had any problems with claims; however, they are aware of my Aussie’s past, including her abandonment and thousands of medical mistreatment. It irritates me that Lemonade believed all new problems were related to the pre-existing condition even though I never intended the insurance to cover the pre-existing. Having two bills has made it easier for them to inform the insurance company, “Yes, this is all new.” She also has a two-year-old policy. If you intend to retain it permanently, then that’s just fine, but there are better companies. I will admit that I now get why they are less expensive. After all of this, I most definitely won’t be adding a car or homeowner to my package lol. Hopefully, someone will see this and be discouraged, or at the very least, approach it fully informed.
I am so happy your veterinarian is so kind and supportive! And thank you for hosting the Australian; wow, that was difficult. When I see folks switching companies even though they are aware of their pre-existing exclusions I absolutely become scared. Are you prepared for the upcoming administrative burden? Since I have heard of others needing to place items on different invoices, which is exactly what you are doing. It implies that you, the owner, are responsible for remembering everything, whether it exists or not. Alternatively, patients are scheduling two appointments back-to-back and splitting them up so that the notes don’t even address a pre-existing condition. What a pain in the head. You can still receive vexing denials like the one you are experiencing even if you follow all the correct procedures, as they essentially attribute every issue to the previous one. Oh no. Bravo, it sounds like you were able to locate their phone number. It shouldn’t be so difficult, lol!
In the same way, myself too. Pet insurance is something I am thinking about getting, but I always give customer service a call before signing anything. I want to check rates and determine whether or not I want to self-insure.