Lemonade denied CCL claim after 3 years of no claims…
My dog tore her CCL about 3 years ago and we did not have any pet insurance and paid out of pocket.
Soon after, we signed up with Lemonade and have been insured with them since without any claims.
Recently, she tore her other CCL and got surgery onto that leg. I submitted a claim to Lemonade and was denied due to a “Pre-existing Bilateral Condition”.
But that leg was always fine and never gave her trouble for 6 years until she tore her CCL and meniscus (1st year was only meniscus on her other leg).
Any advice for filing an appeal? Do I have a leg to stand on?