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The ease of submitting claims is great. Lemonade is very fair in reviewing claims. Some are approved in seconds. I have recommended Lemonade to friends, family, even my physician! Emergencies happen, I would take them to emergency vet regardless, but its comforting to know my dogs are covered
Recently we went through the horrible experience of living our beloved Doberman, Captain. Lemonade’s ability to process claims in a timely manner helped us endure this tough time. I highly recommend using Lemonade.
I use lemonade for rental insurance . My property manager told me this would be a good company to use for cheaper rental insurance considering we needed to have it prior to moving in. Well unfortunately the apt unit under me caught fire the next day I moved in. NOT even 24 hours of moving in I had to move out ..it was a very stressful situation moving in and moving right out . ofcourse I was a bit relieved because I had lemonade to make sure i at least could file a claim and be repaid on all the things that had gotten damaged. This happened 11/22/2024. It is now 12/28/2024 and I have not heard back from the claims department outside of the first week of the fire. They stopped responding to my emails and when I try to get them on the phone they hang up on me . I see all the reviews about the claims department being top tier, unfortunately they aren’t . I wouldn’t recommend this insurance company
We had a robbery just before Christmas. They required pictures of you with stolen items; receipts for stolen items; and serial numbers of any stolen items. They didn't inform us in advance that we needed to record any item of value in order for them to reimburse.
Pretty much a useless service, only worth having if your lease requires insurance.
Written by the company
Insurance that works... faster
With Lemonade, you can cover your stuff, home, pets, family, and car super fast, all in one app. We've replaced paper work with instant service powered by technology so you can actually understand and manage your own insurance with confidence. Plus, we're a Certified B-Corp!
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Why Lemonade for Insurance?
5 Crosby St, 10013, New York City, United States
The ease of submitting claims is great. Lemonade is very fair in reviewing claims. Some are approved in seconds. I have recommended Lemonade to friends, family, even my physician! Emergencies happen, I would take them to emergency vet regardless, but its comforting to know my dogs are covered
Date of experience: 29 December 2024
Fantastic experience. Quick and easy. Quick reimbursement .
Date of experience: 21 December 2024
Recently we went through the horrible experience of living our beloved Doberman, Captain. Lemonade’s ability to process claims in a timely manner helped us endure this tough time. I highly recommend using Lemonade.
Date of experience: 21 December 2024
Reply from Lemonade
We're deeply sorry for your loss of Captain and we're honored to have provided support when you needed it most. Your kind words mean a lot to us, and we're grateful for your recommendation.
It is very simple to file a claim, and the decision about the claim is made quickly.
Date of experience: 23 December 2024
Reply from Lemonade
Thanks for sharing your experience!
I use lemonade for rental insurance . My property manager told me this would be a good company to use for cheaper rental insurance considering we needed to have it prior to moving in. Well unfortunately the apt unit under me caught fire the next day I moved in. NOT even 24 hours of moving in I had to move out ..it was a very stressful situation moving in and moving right out . ofcourse I was a bit relieved because I had lemonade to make sure i at least could file a claim and be repaid on all the things that had gotten damaged. This happened 11/22/2024. It is now 12/28/2024 and I have not heard back from the claims department outside of the first week of the fire. They stopped responding to my emails and when I try to get them on the phone they hang up on me . I see all the reviews about the claims department being top tier, unfortunately they aren’t . I wouldn’t recommend this insurance company
Date of experience: 28 December 2024
Reply from Lemonade
We’re so sorry to hear about this situation and for not hearing back from your advocate! We know this is an urgent matter, so please email fixthis@lemonade.com we’ll have someone look into this.
Date of experience: 27 December 2024
Reply from Lemonade
We'd love to look into this! Please email our support team at fixthis@lemonade.com so we can help.
Reply from Lemonade
If you need anything else, feel free to reach out. We're here to help! 😊
Great service and an easy-to-use interface.
Date of experience: 13 December 2024
Reply from Lemonade
We’re so glad you like it – thank you!
Cheapest and BEST insurance option!! So easy to file a claim!! Overall AMAZING!!!
Date of experience: 26 December 2024
Reply from Lemonade
Thank you for being part of the Lemonade fam!!! ♥️
Dealing with Lemonade Renters Insurance has been one of the worst experiences of my life. Their website claims to "understand" that not everyone keeps receipts, yet I provided receipts for every single stolen item and still had to send them multiple times—four, to be exact—because they deemed them “insufficient.” No explanation, no clarity, just repeated requests that felt more like a stalling tactic than genuine assistance.
Their promise of “fast claim payouts” is nothing short of misleading. The website states they need only a police report and a list of stolen items with values. In reality, I was bombarded with demands for unnecessary and irrelevant documents: my rental agreement, property manager's email, photos of damages, receipts for lock replacements, an inventory spreadsheet (which I had to revise multiple times), and even a breakdown of my podcast's business plan. I still cannot understand what any of this has to do with a renters insurance claim.
Even after fulfilling every ridiculous request, I was treated as though I was lying about my loss. My claim, which involved nearly $83,000 in brand-new stolen property, was met with unprofessional and often outright rude behavior. I spent days without responses, spoke to multiple representatives who couldn’t give me straight answers, and endured a grueling 30-minute phone statement despite having already provided detailed written statements and a police report.
After two months of stress, disrespect, and hoops to jump through, I received a payout of less than $20,000—without any explanation. This is beyond insulting. Why am I paying for renters insurance if I can't rely on it during a crisis? Instead of support, Lemonade made me feel like a criminal, questioning how I acquired my belongings as though it was their business.
Lemonade is an unprofessional, untrustworthy, and misleading company. Their claims process is deliberately confusing and designed to avoid fair payouts. Save yourself the frustration and look elsewhere for renters insurance. This company does not deserve your trust—or your business. I'm upset there isn't an option for zero stars.
Date of experience: 26 December 2024
Reply from Lemonade
Hey Darrin - really disappointed to hear about your claim experience. Please email us at fixthis@lemonade.com so we can address any concerns with your claim. Thank you for bringing this to our attention. 🙏
Reply from Lemonade
We got you ♥
Very easy to file claim. I had an issue with my form of payment and they quickly resolved it.
Date of experience: 23 December 2024
Reply from Lemonade
We're pleased to hear that filing a claim was easy and that our team quickly resolved your payment issue. If you have any further questions or need assistance, we're here to help!
Reply from Lemonade
Thanks for the kind words! We're here whenever you need us! 😊
Lemonade takes forever to approve claims and looks at medical records to try and find a "pre-existing condition" just so they do not have to cover the costs. My dog was a rescue who had a very short medical record and it still took the claims department almost a month to review because they didn't want to cover her prescription meds for anxiety and were looking for any "pre- existing conditions".
Date of experience: 01 December 2024
Reply from Lemonade
We are sorry to hear about your experience. We would love to learn more about what happened and how we can make things right. Please email us at fixthis@lemonade.com with your case details so we can look into this for you!
Needs to improve on making a claim easier to file. To much repeating what’s on the Vet
bill.
Date of experience: 15 December 2024
Reply from Lemonade
Thanks for the feedback. We’re always looking to improve the claims process and make it smoother for our users. We'll take your comments into consideration as we work on updates. If you have more suggestions or need help with something else, feel free to let us know!
It is not made clear that you have to get someone to value your valuable items and upload it as evidence- I don’t have time and won’t be posting the cost of getting a valuation for jewelry, watches and bikes - this must be a US thing as UK insurers don’t ask you to do that - so cancelled and took out policy with a UK insurer
Date of experience: 20 November 2024
Reply from Lemonade
We're sorry for any inconvenience you experienced. For high-value items, we ask for documentation to ensure accurate coverage. If there's anything more we can do or clarify, feel free to let us know at fixthis@lemonade.com. Thank you for your feedback.
We had a robbery just before Christmas. They required pictures of you with stolen items; receipts for stolen items; and serial numbers of any stolen items. They didn't inform us in advance that we needed to record any item of value in order for them to reimburse.
Pretty much a useless service, only worth having if your lease requires insurance.
Date of experience: 22 December 2024
Reply from Lemonade
We’re so sorry to hear about this situation. Documentation helps settle claims more quickly, but we’d love to learn more about your case and see how we can make things right. Please email fixthis@lemonade.com with your claim info, and we’ll look into it for you.
Best pet insurance I've ever had! Love lemonade.
Date of experience: 21 December 2024
Reply from Lemonade
We're so glad you think so! Thanks for the love ♥️
Always Excellent Customer Service and a good experience.
Date of experience: 16 December 2024
Reply from Lemonade
Amazing! Thanks for being a part of the Lemonade family. ☺
I cannot recommend Lemonade Pet Insurance more highly. We had a pet parent's worst nightmare; one of our furbabies got out of the house & was missing for several hours...later found after being hit by a car. We rushed him to the emergency vet at our vet's recommendation. After 3 days in the emergency vet ICU, he was discharged home unable to move around on his own and needed time to rest and get stronger at home before he could be ready to have surgery for his dislocated hip from the accident. The staggering cost of the emergency vet would have left us scrambling to pay for the upcoming surgery. I filed the accident claim on Friday night for the 3 days in ICU and 3 follow-up appointments with our regular vet. 5 days later, I received an email that the claim had been approved, and the money was transferred into my account the same day. I chose a plan with $250 deductable, which then covers 80% of the claim up to $50,000. I was floored how quickly and efficiently this process was. I filed everything through their app and sent my documentation via email. I have told EVERYONE I work with about Lemonade Pet Insurance and urged them to get coverage. This literally has helped my pet's life!
Date of experience: 20 December 2024
Reply from Lemonade
Your peace of mind and your pet's well-being mean the world to us. We're here for you both!♥️
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