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
Easy to use and payments are fast.
“Easy to use and fast to pay”
Reporting claims was very easy and payments arrived quickly.
“Very easy to report a claims and a quick turn around on payment.”
Filing pet insurance claims was smooth and reimbursements were timely.
“went very smoothly and quickly.”
Reviewer praises Lemonade's ease of use and coverage.
“ease of use and coverage”
Claim submission was easy with a very quick turnaround.
“Very quick turnaround and ease of submitting my claim”
They demanded five years of medical records or would close the claim.
“They will do everything they can to get away from paying you”
After giving personal information, Lemonade refused to insure my car.
“Gave them all my personal information.”
They report lower house insurance price compared to Aviva.
“price is very competitive.”
Claims process asked intrusive questions and transferred my claim.
“Don't bother !”
The app is user-friendly and claims are processed fast.
“The app is easy and user-friendly.”
Submitting a claim was quick and easy.
“Really quick and easy to submit a claim!”
They had renter's insurance for years with quick processes and great rates.
“My pet insurance claim was filed in seconds, and we got our money back fast!”
First claim processed quickly with clear communication.
“My first claim was processed quickly and communication was clear.”
The app is simple and helps understand and build policy coverages.
“The app is simple to use”
Vet visit claims for new puppy were approved same day.
“every vet visit claim has been approved the same day!”
Filing a claim via app was easy and refund arrived next day.
“got the refund in my bank the next day.”
Renters policy covered stolen valuables and reimbursement was satisfactory.
“I had a great experience getting all of my stolen goods covered.”
App-guided claim was fast and paid out quickly.
“Basically, a frictionless experience.”
Claim process was smooth and agent handled my case professionally.
“The whole process of my claim was easy via the Lemonade app”
Representative collected details and payment arrived the next day.
“1 day later I received payment for my damaged items.”
I have 3 pets insured through lemonade and I can say lemonade was fantastic to work with. When I presented my claim, I thought it would be a headache but I realized that the claim process was all done through the app and very simple and straightforward. The insurance agent I was dealing with was extremely helpful, courteous, and provided fabulous customer service. This made everything so much and the end result I was a very satisfied customer and the payment was super fast. I appreciate your wonderful attitude and patience while helping me with my claim. I truly appreciate it! I highly recommend Lemonade as a company!
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.