AI he🏒🏒
Forget them. “Cute” branding leads to App that has zero ability to get assistance which you definitely will need as AI bots have no ability beyond a basic script in the APP. Deleted account and app.
Great until it’s NOT
I had this policy for only three months. At first it was great. Coverage was excellent, but customer service isn’t. I submitted two claims during this time, one for an appointment and another for testing. The same day or the day after my submission for a claim, my card I used to pay for the policy and accept reimbursements got stolen. I reached out to customer service SEVERAL times asking for help. I called on multiple occasions and emailed. They gave me the run around, saying they’d help, saying it could be fix and that they’d escalate my case so it could be resolved quickly. Never happened. Today they told me they wouldn’t help me even though it clearly shows my complaint and reimbursement was never paid. So yup, i cancelled the policy. Be careful when dealing with them.
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Not worth it.
This is the first time I’ve EVER left a review for an app/insurance. Can safely assure those who plan on insuring with them that it genuinely isn’t worth it. Not only do they not really respond back, but they’ll only respond on certain subjects that they want. Waste of money, and horrible experience and I hope this saves anyone’s time and money. I would’ve left a zero star if I could.
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Accolades
Never never pay their claims but send lots of nice information information on how they’re being reviewed
Access to the app
Every time I got to the app, it opens the chat first and it’s hard to bypass it to access my account. Doesn’t make sense. I need I quick access to the app because it’s very important as I just activated my car insurance with you guys as well! Do what you have to do with this as I don’t have time to respond to that chat Every. Single. Time. Or I’ll just have to cancel my policies and go somewhere else
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Policy
My experience with Lemonade has been extremely frustrating.
I filed a renters insurance claim after my apartment experienced significant flooding and I had to move out. What should have been a straightforward process turned into months of waiting, delays, and trying to get answers.
The most frustrating part is that my claim still has not been resolved to this day. I have been waiting for this situation to be handled while dealing with the consequences of losing my housing and having to relocate.
I understand that insurance claims can take time and that information may need to be collected from multiple parties. However, there comes a point where the amount of time this has taken becomes unacceptable. As a customer who has been paying for renters insurance, I expected Lemonade to actually be there when I needed to use my policy.
Dealing with a major loss is stressful enough without having to spend months waiting for your insurance company to resolve your claim. The lack of resolution has been extremely disappointing, and based on my experience, I would think twice before relying on Lemonade for renters insurance.
I filed a renters insurance claim after my apartment experienced significant flooding and I had to move out. What should have been a straightforward process turned into months of waiting, delays, and trying to get answers.
The most frustrating part is that my claim still has not been resolved to this day. I have been waiting for this situation to be handled while dealing with the consequences of losing my housing and having to relocate.
I understand that insurance claims can take time and that information may need to be collected from multiple parties. However, there comes a point where the amount of time this has taken becomes unacceptable. As a customer who has been paying for renters insurance, I expected Lemonade to actually be there when I needed to use my policy.
Dealing with a major loss is stressful enough without having to spend months waiting for your insurance company to resolve your claim. The lack of resolution has been extremely disappointing, and based on my experience, I would think twice before relying on Lemonade for renters insurance.
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I did the math. Feels like a scam.
There just simply is not enough value in the product to justify paying for it.
As other reviewers have stated, I am baffled by all these good reviews. They pay a great deal for marketing and trendy social media advertisements. Don’t fall for it.
I paid thousands of dollars in premiums over several years and never received a single reimbursement. The value proposition simply is not there. It just honestly does not make sense as a financial decision to buy pet insurance through this company. In my experience, they will do everything they can to connect your claim to a pre-existing condition and avoid covering it. Their policy language is incredibly broad, allowing them to exclude far more than I ever expected.
Listen to the other one-star reviews. I wish I had. I pay over $1,000 a year for coverage that has legitimately never paid me a dime, and the entire experience feels heavily automated and AI-driven.
I’m canceling my pet insurance and moving my renters insurance elsewhere. This product feels like a scam. Truly, I feel embarrassed that I paid for it for as long as I did.
At this point, the only value I can see in pet insurance like this is catastrophic coverage and you can find better rates and a better customer experience for that elsewhere. Look into Pets Best.
As other reviewers have stated, I am baffled by all these good reviews. They pay a great deal for marketing and trendy social media advertisements. Don’t fall for it.
I paid thousands of dollars in premiums over several years and never received a single reimbursement. The value proposition simply is not there. It just honestly does not make sense as a financial decision to buy pet insurance through this company. In my experience, they will do everything they can to connect your claim to a pre-existing condition and avoid covering it. Their policy language is incredibly broad, allowing them to exclude far more than I ever expected.
Listen to the other one-star reviews. I wish I had. I pay over $1,000 a year for coverage that has legitimately never paid me a dime, and the entire experience feels heavily automated and AI-driven.
I’m canceling my pet insurance and moving my renters insurance elsewhere. This product feels like a scam. Truly, I feel embarrassed that I paid for it for as long as I did.
At this point, the only value I can see in pet insurance like this is catastrophic coverage and you can find better rates and a better customer experience for that elsewhere. Look into Pets Best.
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Policy cancelled
Totally unaware my new policy was cancelled after just 2 months of being active. I moved and previous policy should have been cancelled and not this one.
Getting claims paid is difficult
In the two years since I filed a claim, things have gone downhill. The claims process is vastly more difficult. Then they place it in review but don't pay.
Horrible App
I joined in February of 2026 and I put all my information in and now it is all GONE! It also doesn’t show all seven days of the week on their calendar when it wants you to add a date like I gotcha date it doesn’t show Saturdays whatsoever! I think I need to change insurance cause the freaking app does how bad the Insurance is! My dog has seen two vets since I have adopted him and neither Vet or in their data base! I guess they don’t have a database do they? I guess they only use their existing customers database. I’m beginning to wonder if I made a huge mistake with this Insurance.
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Your support team can do better
The moment you have to make changes to your policy this is the worst company to work with. Never working with them again.
Worst insurance ever
Worst insurance ever. The whole time you’re gonna be talking to an AI it’s impossible to talk to a real person. Very very frustrating. Save your time and energy.
Well done app, easy to cancel, too
I must say I thought the experience would be way more difficult, as is to be expected with most insurance companies. Everything went smoothly and was easy even when I eventually had to cancel my pet insurance. They really seem to care about what they are providing, which is rare to see from insurance these days!
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Awful
Honestly baffled by the good ratings here given my experience.
My car is driven by other members of my household who are covered by a different insurance provider. I assumed the location tracking in the app was to make it such that only miles driven by me would be logged, which one would think would be the obvious implementation for a pay per mile system. Instead, my plan was logging miles while I was on the other side of the country.
When I brought this up with customer support, they proceeded to make up some fake dates/numbers and pretend the trips I referenced didn’t exist, or something to that end, which they corrected once I called them out. Whatever the case is, it was clear incompetence either from the customer representative or whatever internal tracking system they were reading off of.
I was going to consider using lemonade for my pet insurance as well but that’s definitely not happening anymore.
Leaving and not coming back
My car is driven by other members of my household who are covered by a different insurance provider. I assumed the location tracking in the app was to make it such that only miles driven by me would be logged, which one would think would be the obvious implementation for a pay per mile system. Instead, my plan was logging miles while I was on the other side of the country.
When I brought this up with customer support, they proceeded to make up some fake dates/numbers and pretend the trips I referenced didn’t exist, or something to that end, which they corrected once I called them out. Whatever the case is, it was clear incompetence either from the customer representative or whatever internal tracking system they were reading off of.
I was going to consider using lemonade for my pet insurance as well but that’s definitely not happening anymore.
Leaving and not coming back
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Can’t submit claim
Customer for 3+ years with multiple pets and renter’s insurance. Something is wrong after the most recent update. I can’t submit my claim from the app. Very frustrating. I pay you hundreds monthly, this is the only thing your app really needs to be able to do — and of course, there’s no option to submit elsewhere.
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AMAZING
This insurance and app is amazing. They make the process so easy and unlike other insurances, it is so easy to see what’s covered and what’s not. I only have their pet insurance but I wish health insurance was like this!! I think it would solve a ton of problems and confusion. I’ve had their pet insurance for over 5+ years now and I’ve never had an issue. They are super fast to approve claims and reach out if they need additional information. The customer service reps are also super helpful and nice. Very rare to have a company like this in this day and age. HIGHLY RECOMMEND!!
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Use web for quote
The app has some useful features, but the quote process is very buggy. I’m using an iPhone 17 Pro Max on the latest public release of iOS 26.
After completing my first quote and starting a second one, whether home or auto, I’m unable to switch between the two quotes in the app. I had to use the in-app chat feature to get a web link just so I could view both quotes.
The bundling process is also confusing. After completing both a home and auto quote, no bundle discount or price adjustment is displayed. I get the exact same prices whether I quote auto first or home first, and even deleting one of the quotes doesn’t change the price of the other. That makes it impossible to tell whether a multi-policy discount is actually being applied.
The app needs better quote navigation and much clearer information showing when and how bundle discounts are calculated. Right now, the experience feels incomplete and makes it difficult to trust that the quoted prices are accurate.
After completing my first quote and starting a second one, whether home or auto, I’m unable to switch between the two quotes in the app. I had to use the in-app chat feature to get a web link just so I could view both quotes.
The bundling process is also confusing. After completing both a home and auto quote, no bundle discount or price adjustment is displayed. I get the exact same prices whether I quote auto first or home first, and even deleting one of the quotes doesn’t change the price of the other. That makes it impossible to tell whether a multi-policy discount is actually being applied.
The app needs better quote navigation and much clearer information showing when and how bundle discounts are calculated. Right now, the experience feels incomplete and makes it difficult to trust that the quoted prices are accurate.
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Predatory offline fees for seldom driven vehicles
Charged $thousands of dollars in extra fees over the last 8 months for vehicles hardly driven. Multiple devices needed to be sent out, multiple not working, customer service refuses to refund extra charges despite billing and odometer evidence. Final straw was support rep copy and pasting poorly written AI “empathy” slop as a response.
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Do not recommend
I hate leaving negative reviews, but pet owners should know about my experience. Before purchasing, I received answers that contradicted what I was told just 24 hours later. I canceled the policy within 48 hours after representatives failed to answer basic questions, could not or would not transfer me to a supervisor, and even hung up on me.
I also found the advertising misleading and the pre-existing-condition exclusions far more restrictive than expected, even for a young animal with little medical history. I never filed a claim.
I switched to a more expensive company for clearer policies and better customer service. If price is your priority, this may work for you, but research the fine print and get answers in writing before purchasing.
Even the responses to the every negative review on here are directs you to an automated AI system that will run you through a continuous loop. Generally such a frustrating process compared to the company I switched to right after that was so much more clear cut for only $15 more.
I also found the advertising misleading and the pre-existing-condition exclusions far more restrictive than expected, even for a young animal with little medical history. I never filed a claim.
I switched to a more expensive company for clearer policies and better customer service. If price is your priority, this may work for you, but research the fine print and get answers in writing before purchasing.
Even the responses to the every negative review on here are directs you to an automated AI system that will run you through a continuous loop. Generally such a frustrating process compared to the company I switched to right after that was so much more clear cut for only $15 more.
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Abandoned Claim
I have been a multiple policy holder for nearly a decade. I was in an accident, the repairs were approved by Lemonade Metromile, yet proof of payment has yet to be issued. I have been without my car for 8 weeks. No one will call me or the garage back to close out the process.
