The Secret Behind Lemonade's Claims

Claims are handled by our AI and devoted team. File a claim quickly and hassle-free with the Lemonade app.


world record claim handling


claims rating on our app


of claims handled instantly

How Lemonade Claims Work

Seamlessly file claims from your phone - anytime, anywhere

Submitting a Claim Through the Lemonade App

Tap the 'Claim' button in the Lemonade app

Lemonade Claims AI

Tell us what happened

How Lemonade’s Claims AI Works

Our AI runs dozens of anti-fraud algorithms

Lemonade Instant Claim

If your claim is instantly approved, our AI will pay it in seconds

Lemonade Claims Team

Otherwise, our AI hands over your claim to our devoted team of humans to handle ASAP

Lemonade Claims Reviews


I claimed on 4th which is a holiday and @Lemonade_Inc got back this morning at 6AM. Still can't believe this

Timothy Miko

Working with @Lemonade_Inc after my bikes were stolen has been an awesome experience. Never thought I'd say that about an insurance product.

Nancy B.

A pipe burst, and I had to figure out what to do with the holidays approaching and no kitchen table to sit at. I sent everything to Lemonade, and they gave me the money to replace the dining room table in less than a week.

Kelly B.

Lemonade went above and beyond to approve a claim I made only 2 weeks after signing up for their renters insurance. This company did the kindest gesture to help me out and managed to cover my losses on the same day.

Narin S.

Lemonade is insurance for humans. The experience is amazing both from a UX perspective and the empathy and full support of the claims team. Best thing to happen to the insurance industry.

Laura R.

Today, my husband's iPhone was stolen. Opened the app, spent about 2 mins filling out the claim and recorded a video statement, and literally 10 seconds later, my claim was approved. These guys have a customer for life.

Paying Claims. Doing Good

Unlike any other insurance company, we take a flat fee from your premium, use the rest to pay claims, and give back what’s left to causes you care about. We gain nothing by delaying or denying claims, so we handle them quickly and fairly.

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Please Note: These definitions don’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade. They are intended for educational purposes only - they’re not meant to be used in lieu of professional legal or financial advice. We’ll do our best to keep them updated, but they may not always reflect current industry developments. Feel free to use the terms with attribution (friends don’t let friends plagiarize!). Lemonade Insurance N.V. is a non-life insurer with a license from De Nederlandsche Bank (DNB) with reference number R162036. Lemonade Insurance N.V. is registered with the Netherlands Authority for the Financial Markets (AFM) under number 12047353 and registered with the Chamber of Commerce under number 73227420. Lemonade Insurance N.V. has appointed Lemonade Agency B.V. as its authorized agent for the distribution of its insurance products. Lemonade Agency B.V. is registered with the AFM under number 12047085 and registered with the Chamber of Commerce under number 75134454.