I moved from Nationwide to Lemonade recently. For context, I have five cats, and because I enjoy the Lemonade experience, it made sense to switch from Nationwide, which was charging me over six hundred dollars a month for my cats’ insurance.
We took my maine coon cat to the doctor earlier this year because she was wheezing and sneezing. Despite taking oral antibiotics, she showed no improvement. We returned two weeks later; she had received an injection of antibiotics and recovered 100%. She began to cough and sneeze in August and was wheezing, so we took her back as a matter of course. We performed x-rays and a screening specific to valley fever because the veterinarian suspected she might have “Valley Fever,” which is common in Arizona.
Fortunately, this was not the case, and the veterinarian ruled out allergies and asthma. She only needed to take the anti-inflammatory drug Prednisolone; she is now 100%.
It is evident that when Lemonade made their judgment on my claim after a month and a half of processing it, the claim was rejected since it was based on a pre-existing disease, and any further tests, treatments, or problems related to this condition are not covered.
She has never before had a diagnosis of an allergy, much less asthma, so you can see how angry I am. The asthma my cat has is very different from what Nala maine coon was describing. Furthermore, from what I understood, the diagnosis ought to be covered even if it results in a disease that was previously unknown and undocumented, such as a pre-existing ailment. Or am I hallucinating.
She does not require a formal diagnosis. It’s all about the signs. When I mentioned to Healthy Paws that my dog, who had recently been adopted from the shelter and only need a bath, was scratching himself, they informed me that he would not be covered for allergies. Although it was now thought to be pre-existing, he never had them. It is awful, but it is difficult to change insurance companies because everything done while waiting or with the former provider will be deemed pre-existing. I understand; I had to move from Nationwide because to the expense as well.
I am not sure about the timeline because some material is missing. When did you buy the new Lemonade policy? Yes, this would definitely be preexisting if it happened after her initial visit earlier this year when she started sneezing and coughing. Lemonade is unlikely to include anything at all about allergies, asthma, coughing, or sneezing. Due to the fact that any “sign or symptom” that has ever been documented is now preexisting and will not be covered, this makes switching insurance providers very difficult. Any symptom at all will do; no diagnosis or other information is required. And this can include anything you have ever told the veterinarian or anything they have noted that they have seen.
Between our two meetings, roughly three months ago, I switched to lemonade. In summary, though, is it not covered if any of my cats show symptoms that are comparable to those they have previously had? For example, would it not be covered if one of my cats had respiratory issues in the past and developed new ones.
Yes, it will be rejected as preexisting if any of your cats show up with a condition that is comparable to one they had before their Lemomade policy went into force. And it implies that any indication or symptom may be present; a formal diagnosis is not required. It appears that if a pet has no symptoms and is not receiving treatment, Lemonade may cover a pre-existing condition in several jurisdictions following 365 days of continuous coverage. However, not all places have it, so you willl need to check your policy or inquire. However, in this post, a user claimed that Lemonade had promised to pay for a pre-existing condition provided it complied with certain requirements: