We’re bringing home a puppy soon and I’m trying to pick insurance now before anything becomes “pre-existing.” I’ve been looking at Fetch and Lemonade and I feel like every review is either “amazing, saved me” or “nightmare, denied everything.” Hard to tell what’s real.
My last dog was a dachshund and the expensive part wasn’t just emergencies. It was the constant stuff: ear infections, skin issues, meds, rechecks, then dental later turned into cleanings/extractions/anesthesia. Also the back problems where it always felt like you were one flare away from an ER bill.
If you’ve used Fetch or Lemonade, what was the claims process actually like? Like did they pay without drama or did you have to fight. And if there’s another company you trust more, I’m open. Mostly I just want something that actually helps when the puppy inevitably eats something stupid at 2am.
submitted by /u/Electrical-Bread3517
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