r/petinsurancereviews

I've had Lemonade for a year for my dog, a healthy smedium mix. I was drawn to the comparatively affordable rates and ease of using the app to file claims. For the past year, they've been decent enough to keep—until I saw the renewal rate increase of 25%.

When I asked them about it, they gave me some vague and generic response about inflation, age, and breed. Nothing has changed about my situation except my dog turning seven. I even called a couple vet clinics around to ask if they've increased their prices from 2025 to 2026. Most did, between 4-6%.

I am seriously considering canceling and switching. I feel as though they reeled me in with an affordable introductory rate and are now hitting me with price hikes because they know the ramifications can be significant if I pause coverage or switch companies.

I'm curious to know if this is a universal reality among all pet insurance companies or if some are more egregious about it than others.

Did you have a rate increase at renewal? If so, how much? For those who have had pet insurance for multiple years, is this something that happens every year?

Howdy! I am trying to swallow the pill of Trupanion being $200 a month from the jump - I honestly would rather have a policy that increases with her age as my income increases year by year. I am aware that Trupanion does not increase with age - just the cost of care and inflation.

I have seen posts that Lemonade has big jumps around age 7 or 8. What have you experienced? How high did you monthly cost get and at what age?

For reference, I have a 5-year-old Shih Tzu. I am keeping her existing Spot $4k a year policy (yes I was naive when I adopted her) to cover her chronic allergy stuff and luxating patella (the vet "looking" at her luxating patella during a vaccination appointment). No, I will not be two-timing claims.

Looking for some advice in case there's an angle I'm not seeing.

Last year, I got pet insurance for my pet cat. I went with Spot, and picked a $2,500 annual limit because that's what I could afford for monthly premiums. Flash forward to now, it's ready to renew. I have maxed it out with a dental surgery and several ER visits. After I maxed it out, she needed ear surgery, was diagnosed with a congenital heart condition, had more ER visits, and needed an MRI + treatment for a brain abcess. Suffice to say, I am exhausted, physically, emotionally, and financially.

I was hoping to increase her policy to the unlimited annual limit Spot offers....but I guess that's only when you sign up. And I can't switch to a new policy because then everything she's been diagnosed with this year will be considered pre-existing. I guess I'll be keeping her current policy so I at least have the $2500...but that goes so quickly (if they even approve those claims) I don't think we'll even make it to 2027 on those numbers.

Is there another route I might be missing?

Thank you

I'm down to my last few days before I have to finalize a policy for my two kitties. Any general thoughts? I'm worried about Trupanion's rising costs, but I want the reliability. The direct vet pay isn't as essential for me with Care Credit. I love Chewy, but their insurance hasn't been around as long and I worry if they or Trupanion drop each other. Metlife mainly seems nice with the wellness.

I signed up for Trupanion, Chewy through Trupanion, and Metlife.

Chewy through Trupanion is the Complete Accident and Wellness. $24 for my 17 mo. and $47 for my 6 yo with $250 deductible for each.

Trupanion has a $50 and $300 deductible respectively. It costs $58 for the 17 mo with a $50 deductible - I can definitely raise this, and raising it to even $150 saved me roughly $11 per month. I pay $74 for my 6 yo. Both have the recovery and complementary care rider.

Metlife is unlimited with a family plan and $500 deductible. I am going to switch this to individual. I pay $157 pet month with the 'standard wellness plan' which I was able to enroll in thanks to my employer and speaking with an agent. Otherwise, Metlife is similar in cost to Trupanion - roughly $110 per month.

Forgot to add - no health problems or previous signs/symptoms at all for the kitten. For my six year old, I mentioned him sneezing 4 times three years ago, mild gingivitis last year, and his albumin was mildly elevated but my vet didn't comment on it in the notes...Just said "healthy boy" and gave him the mild gingivitis diagnosis.

My dog is 6 years old. Got the plan since she was 10 weeks. They were more expensive than other quotes I got initially, but the services have been great, increasing rates every year by a couple of hundreds, but I didn't mind.

Last year, it was $1900. They say next year will be $4400, more than doubled.

At this point, I find it not worth it to renew. Unfortunately we already have existing conditions (skin allergies and luxella patella).

I will post review on every platform now. Stay away from them.

If you have one that you deem decent for a long time (for my future pet, maybe), please recommend!

I'm looking at signing my cat up for insurance with Lemonade and I see the same price going direct versus through Chewy's Care Plus. Is there any advantage of going with one or the other? Does Chewy offer anything extra? My head is spinning from researching insurance,

Hi all - advice much appreciated! Want to compare and figure out which one to get. I guess I am looking at AKC, MetLife, and Pumpkin (recommended by vet).

We got a, new to us, Pomeranian, 1.5 yrs old. So I have been learning what sort of health issues would be typical for them. We took them to their vet to update their shots, and while they had nothing noted on their chart before, this vet noted the following in their visit, which I am not sure what would be considered pre-existing and then would not ever be covered.
- mild dental tartar (but no other denta issues)
- symptoms of luxating patella (but no limping, issues walking, etc)
- reverse sneezing (but no additional symptoms or issues)
- diarrhea incident in July 2025 as a pup (treated)

Now, I am considering the following plans:
10k limit, 1k deductible, 80% reimbursement Pumpkin ($34)
10k limit, 500 deductible, 80% reimbursement Metlife ($51)
unlimited, 1k deductible, 80% reimbursement AKC ($36 with exam + hereditary)

We are in NC.

Any advice? I guess, as I am learning about poms & their needs, I am concerned for the costs associated in the future with legs & dental in this case? We also go camping/hiking/outdoors often, so not sure about the AKC one-per-life foreign object ingestion/parasite/poison (although we try out best to prevent ofc, but idk?).