Many customers describe very fast, app-based claim processing and prompt payouts. Several reviewers say filing is simple and reimbursements arrive quickly. Others report denied claims, canceled policies, and trouble reaching a real person. Reviews split sharply between smooth, fast payments and cases where payments were delayed or refused.
Examples from available reviews (Nov 2021 – Feb 2026).
Claims processed super fast with funds in my bank within two days.
“fund in my bank account within 2 days”
Pet insurance claims were responded to within seconds and app is user-friendly.
“They respond to my claims within seconds”
They couldn't reach a human and were charged after canceling policies.
“You cant ever talk to a human.”
Claim denied as pre-existing, leaving reviewer homeless and unpaid.
“Lemonade has made me homeless.”
Multiple reviews describe quick claim handling and fast payouts for renters, pet, and property claims. Another clear group reports denials, long reviews, and policy cancellations that left claims unsettled. These negative accounts mention extensive document requests and appeals that did not go through.
Several reviewers call the pricing competitive and a good value compared with other insurers. Others point to coverage gaps, added charges, or refunds that were denied, which lowered the value for them. A few specifically cite costs that were not covered, such as hotel or food after a loss.
Many reviewers say the mobile app is simple and makes claim submission fast. A smaller but noticeable group dislikes app-only service and required voice or video steps due to privacy concerns. For some, these objections stop them from submitting a claim.
Many reviewers say claims were paid as expected and that repairs or vet bills were covered. Several others report exclusions, denials tied to pre-existing conditions, or non-renewal due to property age. These coverage complaints show up in both homeowners and pet policies.
Several reviews mention clear, quick updates and helpful claim staff who walked them through payment. Others describe delayed or missing callbacks, automated replies, and trouble getting a human on the line. Difficulty reaching live support comes up repeatedly in negative reviews.
Reviews show a strong split between high ratings for fast service and low ratings for denied or stuck claims. Positive stories often focus on quick, app-based claims with payment in one or two days. Negative stories center on denials, long document requests, and appeals that went nowhere.
For each review, the core experience based on original source reviews.
Sources: Trustpilot (40) · bbb.org (10) · consumeraffairs.com (10) · Collected.reviews (1) · Quotes shortened · As of: February 2026
Lemonade handled a jewelry repair claim quickly, fairly, and paid fully.
“paid for the full cost of repair as requested.”
Pet insurance claims were responded to within seconds and app is user-friendly.
“They respond to my claims within seconds”
Reviewer says claims are often denied and company finds loopholes to avoid payment.
“I feel this company is a complete scam.”
Colin at Lemonade handled my van break-in claim quickly and easily.
“made everything quick and easy”
Lemonade promptly covered my water damage expenses with a responsive agent.
“took care of all of my expenses in just a moment.”
Lemonade handled my flooded apartment claim well and I was satisfied.
“Lemonade really handled my flooded apartment claim very well”
Reviewer reports horrible service and is still waiting for reimbursement.
“Horrible service. Still waiting for reimbursement.”
Filing a claim, approval, and deposit were all quick.
“To file a claim was easy quick response was quick approval was quick deposit was quick”
The process was quick and easy to navigate.
“My experience was that the process was quick and easy to navigate”
App and AI were neat but customer service was slow and unhelpful.
“The customer experience was so poor I switched insurance providers.”
Claim reviewers were fast, courteous, and helpful.
“The people who review your claim are fast, courteous and helpful.”
The process is smooth and simple with great customer service.
“Smooth and simple process, great customer service.”
Lemonade paid my claim as promised.
“Lemonade paid my claim just as promised.”
Claims were easy to submit and reviewed very quickly.
“Claims are easy to submit and they get reviewed very quickly.”
The reviewer reports great customer service from Lemonade.
“Great service”
Reviewer calls Lemonade the best insurance ever.
“The best INSURANCE EVER!!!!”
Service was fast and efficient and reviewer praises the insurance.
“Fast and efficient.”
Claims process was straightforward, communication clear, and reimbursement arrived next day.
“Reimbursement was handled quickly (the next day!)”
Claims processed super fast with funds in my bank within two days.
“fund in my bank account within 2 days”
My homeowners policy was non-renewed for roof age despite repairs and appeals failed.
“No appeals process, no supervisor to complain to, dead end.”
Insurance did not cover hotel stay or food loss after storm.
“insurance doesn't covers for hotel or loss of food.”
The policy didn't cover the car and extra fees were charged after cancellation.
“the insurance didnt cover the car only physical injury.”
Long-term customer praises Lemonade's value, responsiveness, and helpful claims handling.
“we have had nothing but value.”
The claims representative failed to call back for over a month.
“has failed to call me back for over a month”
Reviewer alleges automated responses and extended review times leading to denied claims.
“Frauds, frauds, frauds.”
Claims processing is slow and coverage did not match promises.
“This company is a rip off.”
Reviewer says they take your money and refuse to pay claims.
“Worst insurance company, they take your money and won't pay for you claim”
My claim was repeatedly delayed, documents requested multiple times, and denied as pre-existing.
“Claim denied after months of delay despite full compliance and documentation.”
They couldn't reach a human and were charged after canceling policies.
“You cant ever talk to a human.”
Claims require app-only voice or video recordings, preventing submission due to privacy concerns.
“App is all bot and AI, no human contact at all.”
Customer service resolved my claim quickly and professionally.
“MARCUS is my personal hero”
No resolution from Lemonade, filed complaint with state Department of Insurance.
“It’s January 14th still no resolution.”
Lemonade refused refund for premiums after policy was inactive four years.
“Lemonade effectively profited from an inactive policy with no associated risk.”
Claim denied as pre-existing, leaving reviewer homeless and unpaid.
“Lemonade has made me homeless.”
Tony guided our family compassionately during a devastating tragedy.
“he guided us every step of the way with compassion and dedication.”
App and customer service made insurance easy and personable.
“Lemonade insurance is easy, personable, and amazing to work with.”
They canceled my older cat's policy and were unhelpful to contact.
“Just because my cat is older they don't want to insure her”
Filing a claim was quick and funds arrived promptly.
“Filing a claim was super easy.”
Reviewer says Lemonade is the best at settling claims.
“They are the best”
Customer service quickly resolved a double charge and canceled my old policy.
“Fantastic customer service.”
This page combines submitted experiences with public reviews from platforms such as Google, Trustpilot, etc. Recurring points are summarized without changing the content of reviews.
Lemonade is a licensed digital insurance carrier in the United States offering renters, homeowners, and pet insurance. Customers can get quotes and buy policies through a mobile app and a website. The company uses automated underwriting and digital claim tools, including photo uploads and chat-based claim intake. Lemonade operates in multiple U.S. states and submits regulatory disclosures to state departments of insurance.