Lemonade Car Insurance Review

I hope that this is the future of insurance - a great example for great customer experience. I def recommend this company

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I’ve been with Lemonade insurance for about 6-8 months, paying a monthly fee for my pet to have insurance! At first I loved it because it was easy, nothing overly complicated and to the point. I signed up up quickly, signed the docs and sent my payment all in a manner of minutes and I had pet insurance! It was great in the beginning I’d send in my claim for my dogs vaccinations or medications, whatever and they’d send me a payment directly to my bank for 80% of the bill! But fast forward after COVID and something crazy took place! All of a sudden I sent in my bill and I’m talking days and weeks to pay the claim, and so much none sense of what I no longer am eligible or my dog is no longer eligible I mean! All of a sudden I’m getting $25 off a $189 bill that’s less than I pay this dumbass company a month for their membership fee! Im so done and they’ve changed all their policies and now apparently there’s this crazy 80% co insurance so basically nothing is really covered and you’re stuck not only with your bill but their monthly payment! Crazy ridiculous! I canceled asap! Scammers all day!

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If I could leave a review with zero stars, I would. I had high hopes for this company. However, with the only claim I have had to file in the year I have had this insurance for my pet has been awful. I called prior to taking my pet to the vet. The customer service rep was polite, however, left out key details that were later used to deny the claim. The first claim rep was very polite, however, took over two months to get back to me and denied the claim. I had try to call multiple times to get her on the phone. I added information that wasn't in the original claim, which was not passed on when the claim was then further reviewed. The claim was submitted for review which took 3 more months with ZERO communication. I reached out over 5 times to get someone to answer me. When the claim was again denied the claim rep refused to pass me onto her supervisor. However, I was told multiple times that when claims are denied it is not done as a way to for them to make money. They donate the extra funds. All in all, my pet would have been better off if I had saved my money to put towards her care since no at Lemonade seems to be interested in actually taking care of the pets they insure.

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In the middle of a pandemic, I receive an email stating they're dropping my renters policy because of "uneven payment history." There were times I paid late but I always paid within the grace period. This company lacks in social graces and is pathetic. I've never had such a disappointing experience with a company and I'll be writing many reviews to let others know of their terrible service. I now have Geico and not only was it cheaper; but you can have a conversation with a real person capable of empathy.

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They do not cover preventative treatments as they say on their site. Also notice there’s no where to review their service. The reviews are curated and fake. It’s all a big scam

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It’s been over four months since we filed a claim for a procedure that is specifically covered in the policy. Communication has been non-existent from Lemonade.

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When trying to file a claim for stolen items, they claimed it did not meet my deductible and would not help me further despite the additional information and police report I tried to provide. They refused to help me and were extremely sarcastic, which was extremely disheartening after having financial information and expensive items stolen. You can give them hundreds to thousands of dollars over time but will not help you when it comes time to make a claim. Beware!!!

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Excellent service, highly recommended! Approval took less than 10 minutes for a $900K policy (I am in good health with limited medical history). The real story here was how quickly they turned around a collateral assignment (needed to provide for my lender). They did this same day - huge kudos to the service team. Use this company for life insurance.

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Luckily, I've not yet had to file a claim with Lemonade. From what others say, their claims performance is really bad, so I'm not looking forward to that. What annoys me the most about Lemonade is that it seems like there are no actual human beings running the company. I got a renter's policy with them because it was quick and easy, but there is no way to contact anyone at the company with questions. For the life of me I can't figure out when my next payment is. It's an annual policy, so yes, I'd assume my next payment would be 365 days after my first one. But is it really? Because there's no way to check. It's not stated in my billing information, and there is no "Contact Us" link anywhere. Their idiotic autobot chat "Maya" makes me want to punch something; it hasn't once properly answered a question. (The trend in autobot customer assistance is rampant and makes me not want to buy anything, anywhere, ever again.) On my list of life improvements for 2022: Find a better insurance company.

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So I thought I would try this as I am currently with Allstate. So I wanted to compare. It was very easy however, I live in a Gulf Coast, Galveston County. Nowhere in your terms of service did it say you do not cover coastal areas. It did recommend to use Allstate for another quote haha that's why I was trying to get a rate from you for! Wth and Smh!

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Lemonade is incredible. I had a horrible fire in my condo complex, and lost everything. I was so stressed thinking about what I would need to provide to insurance, but Lemonade made it so easy. My claims advocate was always incredibly quick to respond and they were so understanding and supportive during a tough time. I’m a Lemonade customer for life.

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This plan is completely affordable and could not be easier to us. I have submitted two claims (for preventative care), and have received reimbursement within a couple of days. I highly recommend so far!!

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I had high hopes for lemonade given how easy the process was to sign up for it. However, once something happens where you need to file a claim, it all goes downhill. I opened a claim for a leak through my 2nd floor bathroom to my kitchen on October 8th. On October 11th, I sent the plumbing invoice. That day, I was told my claims manager was out of office and he'd get back to me as soon as he was back. October 19th, 8 days later, I followed up, no response. On October 22nd I called (probably the 3rd or 4th time I did) and finally got a hold of someone. I sent over the estimate and was told I'd hear back by Monday. It's Tuesday and no response - and also no way to get a hold of my claims manager or backup as they never return my calls/voicemails or emails. I have a $2500 deductible and the total cost is only $5K so it's not like they're covering a huge amount for me. I am seriously considering going with another insurance provider after this mess.

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If you are renting a house or apartment don't use it. I had to replace a broken glass. Surprise! You are not covered. It is not about the money cause it's just a broken glass but I don't trust them.

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If I knew that this was going to be this easy and convenient, I would have done this long ago.

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I opened a claim for my kitchen 2 months ago. They have been asking for more and more things and I haven't been able to get my kitchen back. 2 months without kitchen...

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Wowzer! What an amazing team and insurance! And talk about God watching out for my sweet Siberian and perfect timing. I think I’ll be with Lemonade forever. They’re like a family member that’s always there for you... every step of the way. Emily was very thorough and helpful. Thanks!!

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I called and notified of failure of hvac system, they told me it was unable to confirm if the policy would cover or not and that I should proceed with repair and file a claim afterwards. I proceed with the repair, filed a claim and they then rejected the claim on the grounds that it was required to have filed pre repair. Dishonest.

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We have had two emergencies this year and the Lemonade Team 🍋have been nothing but friendly and fast. The communication have been excellent. Its my first time owning a dog and having to purchase for a dog insurance but has been worthy. They’ve make sure we have a great first time experience.

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Great company, affordable, great customer service. The app is very easy to navigate. Very pleased with thier services

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Needed my Personal info for a quote the said they could not insure.......What a Scam. Beware !!

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My cat has been sick and is currently undergoing a workup. We've had several vet visits in the last few months with different consultants. Each time I submit a claim to Lemonade, the process has been easy and they have turned around the approval for my claim with reimbursement within the week. I have been very happy with my experience with Lemonade and so appreciate their help in covering the expenses for my cat's care.

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This company is NOT to be trusted. They solicit for all types of coverage, then once you apply and surrender personal information, they 'suddenly' determine that they don't offer that coverage. IE "Rental Property Insurance" only to learn that "We don't underwrite his coverage, but thank you for giving us your personal information so we can sell it on the spam market." HIGHLY UNRECOMMENDED.

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I hope the CTO reads this. Creating an App that is a sales funnel ONLY says it all about your company. The application process was smooth, everything else is a living nightmare. Please start developing an App that actually serves your customers when they need to access their Policy documents or see what their coverage is. Maya or whatever you AI is called, is a 1990's Telco auto phone nightmare. CEO - Fire the CTO and get someone to develop a customer app that cares about the experience of existing customers.

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So happy I joined Lemonade!! They are super fast, efficient and friendly!! I recommend their services everywhere I go!! My claims were reviewed within a day, and my payments were direct deposited into my checking account in less than 48hrs!! Awesome company!!

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I love that you do everything through their app and when you submit a claim you record a video of what occurred in your own words. I was always kept up to date within an email that the claims team was working on my claim it was taking a bit longer than expected due to volume at that time. Refund was transfer right to my bank account within a couple days. I had my pups on a previous insurance but they were awful. I have been very happy with Lemonade!

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I’ve had Lemonade’s renters insurance for a few years now. Never had any issues with it. I just got the pet insurance earlier this year and it was very helpful and easy to get reimbursed.

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I had my first claim for my puppy, it was fast and easy! I have recommended to friends ! Awsome experience!

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After 4 years dealing with Pets Best Insurance, Lemonade is a breath of fresh air. Modern, simple technology and blazing fast claim approval. And ... better coverage at lower premium costs. I was hesitant to switch, but very pleased I made the change.

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I had a high end bike stolen and lemonade gave me the appropriate claim amount. Wasn’t much hassle, and the customer service was great. We were new to the area, and had just started our new renters policy. We did have additional bike coverage. Happy with the service, I would definitely recommend them.

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Glad I had Lemonade. My puppy ate a big bug and it messed him up and had to stay at the Vets all day. Lemonade came to the rescue❤️

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I am so thankful I bought this insurance! My friends stated that their insurance for their pets doesn't cover anywhere near as much as Lemonade does for the same price! My refund was SO simple and their customer service is AMAZING! :)

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The submission of Sally’s well visit expenses went very smoothly. The people at Lemonade helped every step of the way via the app. There were no surprises and the payment showed up in my bank account promptly. We are very pleased and are recommending Lemonade to our family and friends!

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Always get immediate response and amazing customer service

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After comparing multiple insurance carriers, I chose Lemonade for my pet and renters insurance policies because the costs were not only competitive, but the website and app are far more modern and user-friendly than most insurers. I can't wait for Lemonade to roll out car insurance in my state so I can potentially switch from Geico. I recommend Lemonade to all of my friends.

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Easy claim process. Knowledge employees. Personal service. Quick response time to claim questions. Intuitive mobile app.

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Quick and accurate. Claim was well explained.

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I'm so happy I decided to enroll my furbaby in Lemonade Insurance, it has come in handy. Price is reasonable and filing a claim is a simple process, and you get reimbursed pretty fast. All in all I'm very satisfied with this company.

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When we received the sudden bad news that our dog developed juvenile cataracts, Lemonade was there for us. Submitting claims was an easy experience and they really helped us through a difficult time. I'd recommend them to any pet owner!

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Our puppy had entropion, which means that her lower eyelids were curling in and touching her eyes, very irritating for her! It required a vet and then a veterinary ophthalmologist to diagnose it and surgery to correct it, basically an eye lift. Lemonade was very responsive and covered the cost per our plan, roughly 2/3 of the entire cost was covered by Lemonade (deductible, office visits and the 20% co-pay were on us). I had a wellness plan with my vet before, but I hadn't understood how insurance covers items that the wellness plan does not, so together most things are covered or greatly reduced. I would definitely sign up for Lemonade again.

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Great platform and product. So easy to use and efficient. Great service

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Filing a claim was quick and easy with the app. I had my reimbursement in a couple days.

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Easy to use and a lot faster than any other insurance I’ve had. Great customer services and they make it extremely easy to understand.

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Just filed my first claims for the annual visits for two of my cats. I found the process pretty easy. The only problem that I had was that I entered my bank account information incorrectly. There’s no option to correct submittal errors so I had to go through Lemonade’s support group to get that changed. Would be nice to see that as an enhancement in the future. Thanks!

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Opened a policy for new puppy. Set up easy, customer service responsive and helpful to make sure necessary information in good order. Submitting claims by app a breeze. Payments process super quick!

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They are much more honest vs competitors such as Liberty Mutual (who will just rip you off)

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Thank you Lemonade team for all your help. This is the first time I have used pet insurance and you have made it a smart decession. I highly recommend Lemonade for your pets insurance.

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I really appreciate how the Lemonade team uses plain language rather than legal mumbo jumbo. Their agents are super helpful and work quickly to get claims paid. I think this insurance is a great value!

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Excellent service. Claims is process right away and posted to my bank account fast. Filing claims is easy and fast.

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Our pup Tux had a growth on his nose that needed to be removed. We submitted the bills to Lemonade through the app, answered a few questions from the adjuster, and in a matter of days (way less than a week) we heard that the claim was being paid. Easy peasy!

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As a claims adjuster for a competitor I am amazingly impressed by their process and customer service. I will likely be with lemonade for life.

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Excellent service and value

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Lemonade makes it incredibly easy to submit a claim and understand coverage. This is a very accessible and user friendly insurance company.

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Well worth the money!! They are quick to respond to my claim request and quick to pay. It only took a couple of days for the money to show in my account. I’m so glad I signed my puppy up for Lemonade; it’s already paid for itself.

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This is my first time have a dog and I have had a lot to learn. When I searched for an insurance company I talked to a couple and got a bid. When I looked up lemonade I had some questions. I was so surprised at how responsive they were. Not only did I get a great rate but talked to people that really cared and had the patience to answer all my questions. I did my first annual wellness exam and vaccinations. Again they explained to me exactly how to submit for payment. I expected at least a week but in two days it was in my account. I'm so happy I decided on Lemonade!!!!!!

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You guys are awesome anytime I have questions you have answered them and been friendly. You have always got back to on claims within a day or so and got things settled within a week.

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Really great company but has some issues. I really love Lemonade. Everything they do is on time, easy to use, and perfect. Claims are processed in a great manner and it is very clear what is covered and what isn't. However, what is not clear is that you cannot change your coverage midway through the year even though it is only billed monthly and can be canceled any time. For example I wanted to remove my wellness plan and was told I had to wait 11 months to do so. So I obviously canceled my plan and resubscribed without the wellness plan. This is not good customer service in my opinion and they are banking on the fact that you do not want to restart the waiting periods or get into a bad situation with pre-existing conditions to get more money out of you. Not good!

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We are new to pet insurance. This was our first experience with a pet insurance company and I cannot say enough good things about Lemonade! Everything was SUPER EASY, all done online. I submitted my first claim for our new kitten’s well visit and it was approved and paid within 2 *seconds*. It’s well worth the cost. We ended up only spending 20.00 for his exam. I’m thrilled with Lemonade and will use them in the future as long as they keep doing business this way!

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I unfortunately had to do a claim because my kitten had to be hospitalized, it did take a bit longer than expected but it is completely understandable. At the end of the day I was reimbursed for what my policy said I’d be reimbursed for. I’m thankful for Nikita for checking in on my kitten. Truly appreciated!

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My first claim for Wellness exam and vaccines went very smoothly

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simple to use app. Very efficient way to file claim

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Lemonade has been amazing. I started off three years ago with renters insurance and unfortunately had to file a claim. The process was extremely quick, and the reimbursement was deposited in my account the next day. Since then I've also signed on with their Pet Insurance policy and the coverage is the same as my previous provider and around half the cost.

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Covered what they said they would. It already paid for itself.

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The Claims dept denied my dr visit claim with no explaination. No one calls back even though Ive left numerous messages. I PLAN TO CANCEL THIS CRAPPY POLICY

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You guys are amazing . Easy to navigate and super helpful in explaining coverage. Thank you for helping me give my fur babies the best possible care .

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We purchased two new puppies since one of our older two dogs passed away and wanted to try getting insurance for a change to help alleviate surprises. No, in the long term, you probably aren't going to "make money" off of the insurance. It is not designed for that. It is designed to help you safeguard your monthly budget for covering unexpected surprises. Lemonade is one of the cheaper insurance options out there and we opted for several of the add on packages for each dog. We have already used it for wellness visits and vaccines (optional coverage). The claims process is very easy (easier after the first time since it saves your key information like vet and bank account information). It took all of 3 seconds to process two of the claims, and about 5 minutes each for two others we submitted. Nothing has ever been denied.

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Very easy process to file a claim. Took 3 minutes and got paid the next day. Can't beat the price either!

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Lemonade is so easy to use. I file the claim before I leave the vet and receive the reimbursement before I get home. The coverage is enough for what the premium amounts to. The chat function is very responsive. We are very happy with our experience with Lemonade.

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Helpful! It's an excellent service if you have a pet. It will save you hundreds or even thousands for the vet cost. The wellness claim process fasts within a day, Illness takes weeks. It's still a great/necessity for anyone who has a pet. I hope the claim process for illness process faster in the future.

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My claim was approved instantly and the funds were wired to my bank account quickly. Quite the change from my previous pet insurance plan where I would wait weeks to find out if I was going to get a check in the mail!

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Great service. On top of everything

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Fantastic experience Claim approved in minutes and wired !!

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Quick and prompt service. Very pleased.

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We have a puppy golden retreiver and sure glad we have Lemonade insurance. Shiner had a stomach bug and needed vet care and medicine. He is all better and back to being a loving puppy. I filed the claim from my phone and uploaded pictures of the receipts and a few days later we had a deposit in our checking account!

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This my first experience with pet insurance. I have been very pleased with the prompt response to all my claims.

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This was the very first time I used this company for a pet claim on my Doodle's annual shots. Everyone was just fabulous and helpful.....it only took a couple days to get the money into my checking account! I was just thrilled and can't say enough good things!! Only wish I could get insurance on myself. Everyone there is caring, kind, and compassionate. I highly recommend this company!!

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The lemonade platform is amazing and claims are so fast. It's actually fun to use

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Efficient, friendly, professional and they actually cover many costs on top of it! They are responsive in every way.

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The claim process is very easy and fast and in two days they deposit the money in your account. You just have to follow the steps to the letter and that it.

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I wish there was more human contact I did get a human claims adjuster and my claim was paid so far so good

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My experience of dealing with Lemonade employees in the handling of a recent claim when our dog was really sick was simply the best interaction I have ever experienced with the insurance industry. Not only did they quickly and clearly act in line with their policy the claims handlers were kind and considerate enough to treat us as human beings. I would recommend them to anyone (as I already have multiple times!)

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Wow! Who would've thought it would be so affordable and so easy too! Easy sign up, great response. No hassles. I submitted my invoices at the Vet's office and before I left the lot Lemonade was paying them.. Give this service a try. I'm 68 and on a budget even for my beloved Husky. But this is a plan that really is an investment!

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I love Lemonade! The customer service representatives are so friendly and responsive. The app is user friendly. I have not a single bad thing to say about the 4 transactions in the 8 months I have had this insurance. Very competitive in price and services.

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Their customer service is always stellar. But their pet policies are lacking. They told me they’re working on expanding the coverage for puppies. But as of now; what they cover and what is required to keep your puppies healthy are not on the same page.

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I have now two policies with Lemonade, renters insurance and pet insurance. I was relatively hesitant at first glance because of how cheap the policies were and i wanted nothing but the best coverage for my dog. For the absolute best coverage with the most options and benefits, it was STILL cheaper than our previous insurance policy that was only base accident and illness coverage. That hesitation was short lived and now i recommend it to all of my friends after I took my dog to the vet and everything was covered and I literally received the money i had spent the very same day. Very grateful to have taken the chance with lemonade and if you are even slightly hesitant, please use this review as the confidence boost you will need to sign up. My only complaint is that I'm upset with myself for not committing sooner.

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They make everything so easy, and recover so much! I’m in love and will change my car insurance over the minuet they have it available.

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My cat had severe acute kidney failure. Lemonade really came through after our emergency vet, then hospital transfer. My cat didn’t make it but it was nice knowing we didn’t have to make medical decisions based on $$ because Lemonade had our back!

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My dog had a recent diagnosis of allergies. This diagnosis is come with several tests as well as different trials of medication’s. The lemonade team has been so helpful and navigating what is approved, what is not approved, and the best way to file claims for this concurrent issue.

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Katrina handled the claim fairly quickly and fully in our favor. Payment was deposited next day. Very satisfied with the service provided and would definitely recommend Lemonade to all pet owners. I also like the tech-heavy features. At first it may seem annoying to have to record a video describing the incident, but it's clearly helpful for them to process and I was able to show my dog's healing injury.

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Wellness’s plan approved just in a minute. But for my cat illness take a little while, otherwise they still keep me posted about their process.

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Lemonade probably saved my financial life when my dog had to have 2 bladder stones removed. The process was quick, painless, and now we're both better!

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Took my dog for the yearly wellness visit. I paid close to $300 for the consult, routine tests, and due vaccinations. It was my first time using my Lemonade insurance. I was amazed by how seamless, fast, and easy it was to get an almost instantaneous reimbursement through the app. It was a human experience enhanced by technology, which shouldn’t be so rare. Well done, Lemonade!

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Hello Lemonade assisted my puppy sadie with a recent claim. Her stool was wet and was feeling nausea. We took her to the Vet and spent close to $400. Lemonade is easy to work with and the representative was extremely understanding and professional. Every time I used Lemonade, they really show they care. I am impressed and glad I use Lemonade.

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My 11 month old puppy was throwing up everything she ate for almost 3 days. Dinner, peanut butter and treats. I took her to the Vet and he wanted to do an UGI, to see if she swallowed something that wouldn’t digest. Since she picks up just about anything and tries to eat it. Or possibly had an obstruction at her pyloric sphincter. I actually didn’t worry too much about the cost. Since I knew I would get reimbursed for some of it. I was able to worry about just her, and not the cost. My reimbursement was in my checking account within a week. It’s easier to pay a little each month, than a lot at one time.

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Everyone at Lemonade has been extremely nice and helped me with whatever issues I've had! They follow up and answer questions quickly!

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I was a little nervous about Lemonade since it is not one of the big names that you usually associate with pet insurance. But someone at the dog park told me about lemonade and when I adopted my six year old golden doodle, I went ahead and got insurance. It was much less than the other name brand pet insurance companies. When my golden doodle then subsequently aspirated within six weeks of me adopting him and came down with aspiration pneumonia, Danielle at lemonade was absolutely amazing. My dog was at the emergency clinic for four nights. Danielle was very empathetic, kept me abreast of the process and ultimately I received all of the expenses reimbursed according to the plan I picked. I couldn’t have been happier with the process. I’ve since recommended Lemonade to several dog owners at the dog park that I frequent. Thanks Lemonade!

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The app was very easy to use & the refund was immediate.

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As soon as I arrived from the vet I submitted my documents and was paid within 3 days. Awesome service!

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Excellent customer service and quick processing of claims under pet insurance - highly recommended!

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Lemonade is great, they’re easy to use and fast, efficient and friendly when filing claims. Wouldn’t have asked for a better pet insurance company. I usually get my refund within 1 week but when I had larger amounts it took about 2-3 weeks which isn’t so bad either.

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