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DONT DO IT!!!!
Had insurance to be safe. My dog was getting sick and took her to my vet and had radiographs and fine needle aspiration done and found out my dog had terminal cancer. LEMONADE denied claim for that visit saying it was pre existing! How in the appointment I first found out my dog had cancer could this be pre existing. Less than a week later she passed and they didn’t cover those services either saying they were preexisting because of cancer. Straight up thieves! BBB has had over 600 reports on them in the last 3 years. If you do get this insurance make sure you have the cash to back it all out of pocket for when LEMONADE denies you
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Insurance coverage covers nothing
My pet recently visited vet because diarrhea and vomiting. I submitted the claim but Lemonade rejected as it is preexisting. This illness is so common to most of dogs and my dog last time visited pet was June 2026. This insurance makes me believe it covers nothing and rejects any claim.
AI, undisclosed fees, mandatory location tracking
Run by AI, customer service SMS gets you nowhere, they charged me a bunch of undisclosed and unexpected‘fees’, and they won’t activate your car policy unless you agree to the lemonade app constantly tracking your precise location
App stuck on setup
Have spent over an hour between AI chat bots and phone help
And cannot complete setting up the app. Frozen at the point where I have to allow background app refresh. App is not usable and stuck at this point.
And cannot complete setting up the app. Frozen at the point where I have to allow background app refresh. App is not usable and stuck at this point.
Exceptional
This app provides everything you could ever want. Affordability, excellent customer service, and easy navigation. Thank you so much for making everything so easy. Shoutout to Lemonade, telling all of my friends as we speak!
Home rental insurance
When we caused the leak for our downstairs neighbors, they took care of everything without any hassle. Number one insurance company in the country! Hands down! Thank you so much Lemonade ❤️❤️
Bug with Tesla
So Lemonade has a bug with Tesla’s login, which may or may not be their default, but they make the customer pay $600 per month ($.15 per mile of 150 miles a day), completely unacceptable!!!
Won’t connect to Tesla
I recently switched from Tesla insurance to Lemonade and my rates will end up being higher simply because the lemonade app won’t connect to my Tesla cars. I’ve tried different browsers, I’ve tried their AI- chat… no solution so far
Great great insurance
This insurance is amazing. I really recommend them. My dog has just been diagnosed with kidney failure and they have covered everything they said they would. And they put the money back in your account the very next day. I just had an ultrasound done on her for 1500$ and they put 1350$ in my account the next day with no questions asked
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Awful
I have a pet policy and have submitted cut and dry claims with all necessary documentation. After a month waiting on several claims, I had to follow up and beg for a status update. For $88 a month for over a year, I’ll be looking elsewhere.
Not recommended for cat insurance
I submitted three invoices after taking my cat to the vet for showing signs of a uti. We did multiple tests which concluded that he has FLUTD. He has shown signs of this three years ago but hasn’t since. Lemonade approved two of my invoices but denied the final, most expensive one for X-rays and antibiotics. Stating that this is now categorized as a preexisting condition. All of this is pertaining to the same issue so it’s bizarre that they’re covering some but not fully.
His X-rays show crystals in his bladder and by lemonade’s logic, should he need surgery for that block, then he will not be covered as he peed outside of his litter box back in 2023 and I didn’t start coverage until 2024. Praying it does not get that far.
It’s certainly a cop out and typical shady insurance loopholes. I have 80% coverage with a $250 deductible so I’m getting less than 10% of his total bills paid. Might as well have saved up what I’ve spent monthly rather than have this service.
I will begin the process of looking for other insurance options for my cat.
His X-rays show crystals in his bladder and by lemonade’s logic, should he need surgery for that block, then he will not be covered as he peed outside of his litter box back in 2023 and I didn’t start coverage until 2024. Praying it does not get that far.
It’s certainly a cop out and typical shady insurance loopholes. I have 80% coverage with a $250 deductible so I’m getting less than 10% of his total bills paid. Might as well have saved up what I’ve spent monthly rather than have this service.
I will begin the process of looking for other insurance options for my cat.
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HORRIBLE
i really wanted to love Lemonade. the app is cute, the branding is great, and the concept of affordable pet insurance felt like a no brainer. but when it came time to actually use my policy i ran into a wall.
i filed a claim for skin allergies, completely unrelated to anything musculoskeletal and later tried to add physical therapy coverage at renewal. i was denied because of that prior claim. not because the claim was related. not because my dog had a pre-existing condition. simply because ANY processed claim within 12 months makes you ineligible for ANY new add-on, no matter how unrelated.
i escalated multiple times and was ultimately told by their most senior representative (Jeff W) that the decision stands and i can "revisit next year." no exceptions, no nuance, no acknowledgment that an allergy and physical therapy have nothing to do with each other.
the fine print here is broader than they make it seem when you're signing up. if your pet has had any claim at all you essentially can't grow your coverage. for a pet insurance company that markets itself as modern and customer friendly, this policy feels outdated and frankly unfair.
i'd encourage any pet owner to read every single line before committing, especially if you have an active dog.
i filed a claim for skin allergies, completely unrelated to anything musculoskeletal and later tried to add physical therapy coverage at renewal. i was denied because of that prior claim. not because the claim was related. not because my dog had a pre-existing condition. simply because ANY processed claim within 12 months makes you ineligible for ANY new add-on, no matter how unrelated.
i escalated multiple times and was ultimately told by their most senior representative (Jeff W) that the decision stands and i can "revisit next year." no exceptions, no nuance, no acknowledgment that an allergy and physical therapy have nothing to do with each other.
the fine print here is broader than they make it seem when you're signing up. if your pet has had any claim at all you essentially can't grow your coverage. for a pet insurance company that markets itself as modern and customer friendly, this policy feels outdated and frankly unfair.
i'd encourage any pet owner to read every single line before committing, especially if you have an active dog.
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A terrible experience
★☆☆☆☆
Very disappointing experience with Lemonade car insurance. We purchased a policy covering four vehicles and canceled our previous insurance. Two of the vehicles are registered in my parents’ names, and both my parents and those vehicles were already listed on the Lemonade policy. We were later told that these vehicles did not meet their ownership and registration requirements and that the entire policy would be canceled.
These requirements should have been clearly explained and verified before the policy was issued. Despite multiple emails, we still have not received clear answers about how to keep the remaining vehicles insured or how they will address the additional cost we now face.
The quote to restart our previous insurance is $322 higher for six months. Switching to Lemonade has left us dealing with uncertainty, extra costs, and repetitive responses that do not answer our questions. Based on this experience, I would not recommend this company.
Very disappointing experience with Lemonade car insurance. We purchased a policy covering four vehicles and canceled our previous insurance. Two of the vehicles are registered in my parents’ names, and both my parents and those vehicles were already listed on the Lemonade policy. We were later told that these vehicles did not meet their ownership and registration requirements and that the entire policy would be canceled.
These requirements should have been clearly explained and verified before the policy was issued. Despite multiple emails, we still have not received clear answers about how to keep the remaining vehicles insured or how they will address the additional cost we now face.
The quote to restart our previous insurance is $322 higher for six months. Switching to Lemonade has left us dealing with uncertainty, extra costs, and repetitive responses that do not answer our questions. Based on this experience, I would not recommend this company.
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get actual insurance, not this gimmic
i have both renters and pet insurance through lemonade. pay $62 a month…not too expensive. unfortunately my dog had to have surgery. i submitted a claim over a month ago. i am not even expecting any payback, but i am not getting any response whatsoever. i am so frustrated that i have called the agency (ai answered btw) and have been told my claim would be resolved soon, with the same update as when i was waiting. super disappointed. would not recommend any insurance through lemonade as you claim will sit in the ‘in review’ for over a month. just tell me if my claim is denied. would seriously be better than sitting in limbo.
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Can’t cancel
App will not allow cancellation of policy
A life saver if you have a pet!
I was skeptical of getting pet insurance because we didn’t do that for my pets growing up but Lemonade has been incredible! They are quick to process claims (and payment!) and the app is easy to use, it’s saved me so much money and is totally worth the monthly payment
Auto insurance drive safe is a scam
After a month of getting this, my insurance just raised by over $20 a month. Though my driving score was quite good. They increased my insurance saying I do not avoid traffic roads. Apparently, I'm supposed to either NOT go to work ON TIME to avoid traffic in Dallas or magically invent a new road that takes me to office. Apparently driving safely, maintaining good distance, not using phone are low priority for Lemonade. It's just a big scam
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Buyer beware
I thought I had signed up for Insurance at a price of 165 for my car. What I did not know was that I was also having to pay $.31 a mile per day. If I only went 10 miles each day. That would be $310 in addition to 165 initial fee each month. But I know I drive a lot more than that and sometimes I will do a long trip to my grandsons house and I could drive 150 miles! That one trip alone would be $50. I decided that I drive too much to keep this very expensive insurance. I will be looking for something else.! so like I said buyer beware.
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Surprise Tracking
It’s disappointing to go through all the work of setting up a policy only to be told at the end that one must consent to be constantly tracked by the app to have a car insurance policy with Lemonade. I understand people have different values on privacy, but this should be stated up front.
