Olivia G.
4 reviews · 🇺🇸 US
Filmed a short video in the app explaining what happened, uploaded the police report number, and the payout was approved before I'd put my phone down. Money arrived the next day. My old insurer would have wanted forms and a phone call. Genuinely impressed.
Date of experience: Aug 12, 2026
Sarah M.
2 reviews · 🇺🇸 US
Two years of premiums for my cat and the first real illness was denied as pre-existing, even though my vet wrote a letter saying it was new. Disputed with records and waited three weeks for a reply. The app is pretty; the claims team is not on your side.
Date of experience: Jul 8, 2026
Reply from Lemonade
Hi Sarah, we're sorry this has been so frustrating. Pre-existing decisions rely on the medical history we receive, and we'd like a second look at yours. A member of our claims team has reached out directly.
Jake T.
7 reviews · 🇺🇸 US
Landlord needed proof of insurance the same day. Answered the chatbot's questions, paid about $12 a month, and had a PDF certificate in my inbox in five minutes. Adding my partner later was two taps. Haven't needed to claim, but the setup was faultless.
Date of experience: Jul 10, 2026
Daniel B.
5 reviews · 🇺🇸 US
Home policy went up almost 30% this year with no claims and no explanation beyond 'market conditions'. When I asked, a human replied within a day and was helpful, which counts for something. Still cheaper than the quotes I gathered elsewhere, so I stayed.
Date of experience: Jun 5, 2026
Priya K.
1 review · 🇺🇸 US
Pipe burst in the flat above. Lemonade kept asking my building management for cause-of-loss details they never sent, and the claim just sat there. I provided photos, videos and an inspection report. Four months later, still 'under review'. Small claims are instant; big ones are a different story.
Date of experience: Jan 14, 2026
Reply from Lemonade
Hi Priya, we understand how stressful a long-running claim is. We do need to establish whether a loss was sudden to confirm coverage, but we should have moved faster with what you'd already sent. Your adjuster has been asked to prioritise this.
Emma W.
3 reviews · 🇺🇸 US
Our spaniel swallowed a sock and needed surgery. Uploaded the invoice from the vet's car park, got a question about the deductible the next morning, and 80% was back in my account two days later. The rep even asked how he was recovering.
Date of experience: Mar 14, 2026
Lukas H.
6 reviews · 🇩🇪 DE
Everything is chatbot first. That's fine for buying a policy, less fine when a billing amount changed and I wanted an itemised breakdown. Took several emails and a new ticket each time. Got there in the end, but it felt like talking to a wall for a week.
Date of experience: Jan 22, 2026
Noah C.
2 reviews · 🇺🇸 US
Chose a local animal shelter when I signed up and got an email a year later saying what my policy's leftover premium had funded. Coverage itself has been straightforward and cheaper than my previous renters plan. Recommended it to my flatmates.
Date of experience: Nov 2, 2025
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