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Review summary

Based on reviews, created with AI

Reviewers had a great experience with this company. Customers appreciate the user-friendly app, which simplifies navigation and document management. The service is often described as fast, efficient, and reliable, with clear explanations of coverage details. Many reviewers highlight the ease of submitting claims and the quick reimbursement process, often within minutes for well-care and a couple of days for illness-related claims. Consumers have reported positive interactions with customer service, praising the knowledgeable and friendly representatives who provide support throughout the process. The company is commended for its transparency and for delivering on its promises without hidden terms or conditions. Some reviewers have mentioned that the claim process can be a bit lengthy, but overall, people are satisfied with the outcome and the company's commitment to standing by its customers.

Based on these reviews

Rated 4 out of 5 stars

I had some troubles with a double charge on my account. I called and left an email, and was responded to quickly by a lovely person named Rosemary. They took the time to explain what the issue was, to... See more

Company replied

Rated 4 out of 5 stars
Verified

The claim process was very easy...my only suggestion would be a section where the insured can add some comments to the claim that may not be covered by your claim process

Company replied

Rated 4 out of 5 stars

I would say that the responses could have been faster. If I hadn’t followed up, I don’t think my claim would have been resolved by now. They were helpful in the end, but the process was quite slow.

Company replied

Rated 5 out of 5 stars

Carla was my claims handler. She followed up and provided information promptly within 1 to 2 business days. Upstairs neighbor's kid busted a pipe which flooded our apartment. Took less than 2 weeks to... See more

Company replied

Rated 5 out of 5 stars

My first time claiming on house insurance. I've heard nightmare stories all my life but this was really straight forward. I had damaged my vinyl flooring after moving my sofa. I put in the claim, prov... See more

Company replied

Rated 5 out of 5 stars

Rene handled my claim with impressive efficiency. Only a few short answers were needed from my side, and the claim was approved within two days. It gave me real peace of mind during a stressful moment... See more

Company replied

Rated 2 out of 5 stars

Lemonade does automatic renewals of your policy, so make sure to remember this if you switch insurances! They won't cancel your policy if you don't renew. You have to remember to manually go to the a... See more

Company replied

Rated 5 out of 5 stars
Verified

Lemonade didn’t give me a hard time on anything when I submitted my claims for an emergency surgery for my dog. They were great and fast! Gave me something less to worry about so I could focus on my d... See more

Company replied

Rated 5 out of 5 stars

I had a very good experience with Lemonade. The claim process was straightforward from start to finish, and the settlement I received was fair. Communication was clear and fast, and everything mov... See more

Company replied

Rated 5 out of 5 stars
Verified

I am extremely happy with our experience here so far. The app is efficient and easy to use and customer service has responded super fast in instances where I have had questions. The claims process is... See more

Company replied

Rated 5 out of 5 stars
Verified

I love this company so far! I’ve filed 1 claims and got a decent amount back and it was an easy process. I have a different insurance for my oldest animal and Lemonade has made things more simple and... See more

Company replied

Rated 3 out of 5 stars

No way to see trips/mileage details, how can I be sure of charges? Rates go up with little to no warning. No email notifying next autopay amount. All of these, I've complained to customer serv... See more

Company replied

Rated 5 out of 5 stars
Verified

I have Lemonade insurance as my pet insurance. Every time that something goes wrong with my dog, I can reliably depend on Lemonade to help support me through an already difficult process. Lemonade is... See more

Company replied

Rated 5 out of 5 stars

Although the initial steps are through an app / chatbot interface, they still employ real humans to communicate with you and verify the actual claim... actual customer service that is increasingly rar... See more

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Rated 5 out of 5 stars

This was the first time when i needed to cover something, and i was a little bit scared, because i thought this a difficult process. But they helped me a lot and reply for my email as soon as possibl... See more

Company replied

Rated 5 out of 5 stars
Verified

Having Lemonade insurance for my pet gives me peace of mind knowing that she is covered from getting her anual shots to emergencies. It is affordable and I don’t have to worry about unexpected vet bil... See more

Company replied

Rated 5 out of 5 stars
Verified

I’ve told so many of my friends with dogs about this insurance. You guys do a great job communicating with me and everything is so fast, easy, and efficient! I really appreciate what you all do!

Company replied

Rated 5 out of 5 stars

I’ve used Lemonade for my pet insurance for a while now, and after filing multiple claims with them, I can honestly say they’ve been nothing but professional, transparent, and easy to work with. E... See more

Company replied

Rated 5 out of 5 stars
Verified

My claim for Pip was much easier than I anticipated. When I saw that a video had to be submitted, I kinda freaked out a bit. I don't like doing videos for others to see...but it wasn't bad at all. The... See more

Company replied

Rated 5 out of 5 stars

Lemonade are amazing at what they do. They deliver exactly what they promise, with no hidden terms or conditions. Of course, they carry out some necessary checks, which is only fair—otherwise people c... See more

Company replied

Rated 2 out of 5 stars

Fred denied my claim before the deadline, ignored my messages, and used requirements not in the policy. I’ve already escalated this to management and will involve the California Department of Insuranc... See more

Company replied

Rated 5 out of 5 stars

Great customer service, email answered promptly,straightforward to complete amendments,the app is easy to navigate and documents are well written and clear with no jargon. Had a claim last year and t... See more

Company replied

Rated 2 out of 5 stars

Lemonade prides itself to being new challenger insurer different to the old big corporates. They have sleek app and taking out a policy is very easy and customizable. However don't be fooled by t... See more

Company replied

Rated 2 out of 5 stars

1) Estimated Preventative Procedure Costs: totally unrealistic for cats. Feels like they copy-pasted from dogs? And that they're not actually comparing local vet costs like they say they are? I went... See more

Company replied

Rated 5 out of 5 stars

Lemonade Pet Insurance has been amazing! Their claim process is super fast for both wellness and illness, as long as you upload all the needed documents. The app is very user-friendly and makes everyt... See more

Company replied

Rated 5 out of 5 stars
Verified

I joined the Lemonade team about a year ago when my previous pet insurance priced me out. Lemonade has fair prices. When I have submitted a claim my money is deposited within minutes for well car... See more

Company replied

Rated 5 out of 5 stars

Had a smooth experience with my damage claim. It was confirmed as covered and the funds were reimbursed quickly. The money landed within the 2–5 business days window, and updates were clear. I appreci... See more

Company replied

Rated 5 out of 5 stars
Verified

Lemonade service is very user friendly, fast, efficient and reliable. I never have to worry about small print, or hidden costs, the details of what is covered is clear and explained well. The app is... See more

Company replied

Rated 2 out of 5 stars

Whilst the price was initially good, I am now being asked to provide extra details that I have never been asked for with numerous other insurance providers. This has only happened once the policy went... See more

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Rated 5 out of 5 stars
Verified

My funny beautiful 5 year old Westie was diagnosed with a nerve sheath tumor near her brain stem. It’s incurable-even radiation will only delay the inevitable. Diagnosis -between blood panels, her re... See more

Company replied

Rated 5 out of 5 stars

I had an accident with my bike which caused a damage for my electric bike. They were very responsive with my claim and I believe everything took around 2 weeks to check my claim, process it and compen... See more

Company replied

Rated 5 out of 5 stars
Verified

So far Lemonade has been great to us. We just got our puppy almost three weeks ago and every vet visit claim has been approved the same day! I am very happy with my choice. We went back and forth betw... See more

Company replied

Rated 5 out of 5 stars

I joined Lemonade a year ago because of their friendly approach and competitive premium! I have just received my renewal for next year and Lemonade have reduced the premium by 10%! The first time in m... See more

Company replied

Rated 5 out of 5 stars

My wife and i was cleaning n put tv on floor whilst cleaning as I went to turn around I fell on to tv and accidentally stood on it so I made a claim and its the 1st time I have done this and all I ca... See more

Company replied

Rated 5 out of 5 stars
Verified

So far my experience with lemonade has been great! I have researched a lot of pet insurance companies and lemonade offers wonderful coverage. It also lets you tailor your insurance to meet your financ... See more

Company replied

Rated 5 out of 5 stars

The website is great, very intuitive. Contacting staff and raising claims is fairly simple - no option to call though. The claim process was very straightforward and it all went smoothly. Lawrence was... See more

Company replied

Rated 5 out of 5 stars
Verified

The claims process was a bit lengthy but very easy. A chat and some uploading and my claim was processed immediately. The sheer ease of this was fantastic. I feel like I got a good price on my Pet and... See more

Company replied

Rated 5 out of 5 stars

Great service. Claim issued, flagged for inspection and paid out 21 days later. Regular communication received via email. The service i had from Lawrence was fantastic from start to finish.

Company replied

Rated 5 out of 5 stars
Verified

I recently had to file a theft claim with Lemonade in The Netherlands. I’m really happy with how it was handled. Everything started digitally through the app, which made submitting documents... See more

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Rated 5 out of 5 stars
Verified

The chat box when submitting a claim is easy to use and you hear back quickly on the reimbursement amount. The chat expert was friendly with good follow through. It was a good experience as a new Lemo... See more

Company replied

Rated 5 out of 5 stars
Verified

The app is incredible simple and time saving. It takes only a few minutes and the information is all there for an easy claim input.

Company replied

Rated 5 out of 5 stars

Great helping me with my claim for the couple of weeks with the questions and only downfall is my lost bracelet was worth more and I didn’t really understand the value of single item insurance but I w... See more

Company replied

Rated 5 out of 5 stars
Verified

I love using Lemonade. They have been super helpful, responsive, and for most claims the money is wired to me instantly. I recommend Lemonade to all of my friends!

Company replied

Rated 5 out of 5 stars
Verified

Having Lemonade insurance for my fur babies has made anything medical that comes up financially less worrisome. My claims are handled with ease and the reimbursement comes within seconds. The represe... See more

Company replied

Rated 5 out of 5 stars
Verified

The experience was so seamless . And the customer service even though it’s all through text and chat is awesome.

Company replied

Rated 5 out of 5 stars

Very happy with the service provided by lemonade and matt who handled my claim worked very fast to get it solved!

Company replied

Rated 5 out of 5 stars

I will never not have pet insurance ever again and have been completely satisfied with lemonade , and plan on being a lifelong customer ! My sweet kitty Luna unfortunately got very sick and it took ma... See more

Company replied

Rated 5 out of 5 stars

Engaging team, helped me throughout the process and closed the claim in timely manner

Company replied

Rated 5 out of 5 stars

Edit: although this review was an honest one, I have since learned more about Trustpilot's business practices, and do not wish to participate in them. Thank you to Lemonade for your level-headed... See more

Company replied

We perform checks on reviews


Company details

  1. Insurance Company
  2. Accident Insurance Company
  3. Auto Insurance Agency
  4. Home Insurance Agency
  5. Pet Insurance Company

About Lemonade

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!

Get a Quote

Some Quick Lemonade Stats

Why Lemonade for Insurance?

  • No Hassle: There’s no need to wait around for snail mail or talk on the phone w/ agents - get a policy with the Lemonade app whenever and wherever you are
  • Bundle and save! We’ll automatically apply your bundle discount to any combination of our products
  • Socially Driven: As a B-Corp, social good is baked into our business model: we take a flat fee, use the rest to pay claims (super fast!), and give back what’s left to charities you care about with our renters, homeowners, car, and pet products. Lemonade also plants trees based on our drivers’ mileage to help clean up carbon emissions.
  • Devoted Team: Our powerful tech and automation free up our dedicated customer experience team and claims specialists to help you when you need it most.


Contact info

4.0

Great

TrustScore 4 out of 5

4K reviews

5-star
4-star
3-star
2-star
1-star

Replied to 98% of negative reviews

Typically replies within 48 hours


Rated 5 out of 5 stars

Great insurance company

A stressful situation made much less so by Tesh at Lemonade. We had to claim on both buildings and contents insurance due to water ingress. Tesh was very helpful right from the beginning, can't fault the service.

9 December 2025
Unprompted review
Rated 1 out of 5 stars

Worst insurance ever

Worst case scenario insurance company

30 November 2025
Unprompted review
Lemonade logo

Reply from Lemonade

We’re sorry to hear you feel this way. If there’s anything we can do to help or clarify, please let us know at help@lemonade.com.

Rated 2 out of 5 stars

Fred denied my claim before the…

Fred denied my claim before the deadline, ignored my messages, and used requirements not in the policy. I’ve already escalated this to management and will involve the California Department of Insurance if this isn’t corrected immediately.

25 November 2025
Unprompted review
Lemonade logo

Reply from Lemonade

We’re sorry for your frustration with how your claim was handled. If you’d like us to review your situation further, please email us at fixthis@lemonade.com with your claim details.

Rated 1 out of 5 stars

No integrity?

Looks like Daniel and Shai’s parents didn’t teach them well regarding character and integrity - I’ve been waiting 3 weeks for a simple reimbursement for my dog’s brief illness; so it’s starting to smell like any other insurance company - very disappointing - I had high hopes for Lemonade

6 December 2025
Unprompted review
Lemonade logo

Reply from Lemonade

Thank you for sharing your feedback, and I’m sorry for the delay and disappointment you’ve experienced with your claim. We strive to process all claims as quickly and transparently as possible, and we regret that we haven’t met your expectations in this case. Your concerns are important to us, and we truly appreciate your patience. Please reach out to us at fixthis@lemonade.com with your claim number, so our team can look into this. We're here to help!

Rated 5 out of 5 stars

Flood Claim Quick and Efficient

Carla was my claims handler. She followed up and provided information promptly within 1 to 2 business days. Upstairs neighbor's kid busted a pipe which flooded our apartment. Took less than 2 weeks to be reimbursed.

8 November 2025
Unprompted review
Lemonade logo

Reply from Lemonade

We love hearing that things went quickly and smoothly for you. Thanks for sharing your experience!

Rated 2 out of 5 stars

Automatic renewals and no refund if you miss it! Watch out

Lemonade does automatic renewals of your policy, so make sure to remember this if you switch insurances! They won't cancel your policy if you don't renew. You have to remember to manually go to the app and cancel your policy. This is a big deal, because they won't refund any money if you miss doing this! This means that you could end up paying for a year or more with no hope of a refund! I missed renewing my policy, and did not notice the charge on my credit card statement because I was going through some stressful things at work. The following year, I noticed it and addressed it right away. I was able to recoup my funds for the current year, but they refused to refund me the $193 for the prior year, even though I was able to produce evidence that I had other insurance during that time! The practice of automatic renewals without refunds once the cusotmer catches it is unethical.

5 December 2025
Unprompted review
Lemonade logo

Reply from Lemonade

We do our best to send renewal reminders and emails with your new policy details each year to keep you informed. Automatic renewal is meant to help ensure you’re always covered, but we’re sorry for any confusion it caused. If you have further questions about your policy or would like us to review your situation again, please reach out to us at help@lemonade.com. We appreciate your feedback and are always looking to improve.

Rated 5 out of 5 stars

Great service

My first time claiming on house insurance. I've heard nightmare stories all my life but this was really straight forward. I had damaged my vinyl flooring after moving my sofa. I put in the claim, provided evidence and a quote from a local flooring company to replace and my claim was approved. Thanks Tania for making it such an easy stress free experience.

5 December 2025
Unprompted review
Lemonade logo

Reply from Lemonade

Thank you so much for sharing your experience! We’re thrilled to hear your claim was handled smoothly and that Tania was able to make things easy for you. If you ever need anything in the future, we’re always here to help. 🤝

Rated 1 out of 5 stars

If I could I would give them no stars

If I could I would give them no stars. First of all there claims are auto process by AI. So if there is anything that is not auto filled in for your claim it will not even be looked at, so therefore your claim will not be processed fully. Next there is no number for customer service, everything is either AI reply or email. Making it impossible to talker to a person. Worser customer service ever. I have been trying to get my claim paid since 11/10/25 with one excuse after another as to why they won't process it. The main reason is I had past cover for my dog. I sent them emails snapshots, and even a declaration page saying my coverageed ended and they still will not accept it, but of course there is no way I can talk to a person. I would never recommend this company to anyone, more so if you had past coverage, you'll be screwed.

4 December 2025
Unprompted review
Lemonade logo

Reply from Lemonade

Your situation matters to us, and we’d like to help get this resolved for you. If you’re open to it, please email us at help@lemonade.com with your claim details, and a member of our team will review your case personally. Thank you for sharing your feedback, it helps us improve.

Rated 1 out of 5 stars

Mostly run by AIs - We're not in any disaster area

Mostly run by AIs. They even had the wrong info about our house in some cases because they just farm out that info. And, they often give conflicting info about your policy. Cancelled our property insurance through email without giving us a chance to replace our roof even though there were months and months until renewal. We got a new roof and attended to all their new questions after several years of coverage. Then they decided they would offer us a policy for 150% cost of the current policy.

4 June 2025
Unprompted review
Rated 1 out of 5 stars

Will do anything not to cover a claim

Will do anything not to cover a claim. me and my partner got pet and rent insurance (under her name) and it’s been impossible to get any claims approved. Absolutely would not recommend

1 December 2025
Unprompted review
Lemonade logo

Reply from Lemonade

It’s important to us that our members feel supported, especially with claims. If you want to talk it through or give us another chance to look into what happened, please reach out at fixthis@lemonade.com.

Rated 1 out of 5 stars

Software errors like this are unacceptable in 2025

Lemonade is recommended for renters insurance by Forbes, so you'd think that would be a good thing. Unfortunately the Lemonade.com website has some significant software errors. When you're satisfied with your quote the checkout system offers you payment by credit care or by checking account. Gone are the days when you could manually enter your bank routing number and checking account number. Lemonade uses the Plaid service, prompting you to share your online banking login and password. If you do so, Plaid will reset and bring you back to the start to provide your login and password again. And again, And again. Then Lemonade logs you out of their site. If you choose to pay by card, many card types will be rejected (for example Visa debit gift cards) but Lemonade won't tell you why it rejected the card nor what cards are acceptable. I spent a lot of time trying to give Lemonade my business but they kept failing a simple online purchase transaction that I could accomplish in 1995. I phoned Lemonade and gamed the phone system menu to reach an actual human. He told me that the only way Lemonade sells insurance policies is through the website, no human assistance is available. Then he recommended I clear my browser's cache and disabled pop-up blockers, which I have been doing since 1995. So, Lemonade has excellent prices for a range of insurance policies, but you'll need a lot of luck to complete the purchase. NOT RECOMMENDED.

2 December 2025
Unprompted review
Lemonade logo

Reply from Lemonade

Thanks for taking the time to share your experience so honestly. We never want our online process to be this frustrating—we set out to make things easier, not the other way around. Your feedback helps point out where the tech isn’t working as it should. We’ll make sure your comments get passed to the right folks on our team.

Rated 1 out of 5 stars

Extremely Disappointing Emergency Cover & No Real Support

I’m really disappointed with Lemonade’s handling of my recent home emergency. My boiler thermostat failed during near-freezing temperatures, leaving my family (including young children and pets) with no heating. I contacted Lemonade expecting urgent help, but the engineer arranged through their partner couldn’t come for two days — which is not acceptable for something sold as emergency cover.

Lemonade keep giving me generic, copy-and-paste responses and haven’t provided any practical support. They keep directing me to their partners (HomeServe/Aviva), but neither of those companies has responded to my complaint or to the request for reimbursement after I had to arrange my own urgent repair to keep my family safe.

It feels like I’m being passed around with no one taking responsibility, even though the policy was sold to me by Lemonade. I expected far better communication, accountability, and actual assistance during an emergency situation.

At this point, I regret choosing Lemonade for home emergency cover and would strongly caution others to reconsider before signing up. When you need help the most, you should not be left alone.

3 December 2025
Unprompted review
Lemonade logo

Reply from Lemonade

Thank you so much for your feedback, and we're sincerely sorry to hear that your experience with Homeserve wasn't as expected, especially during an emergency. Our team has reached out to Homeserve directly, and we've received confirmation that the complaint has been picked up - they will be in touch to get this sorted for you. If there's anything else our team can do in the meantime, please don't hesitate to reach out via helpuk@lemonade.com.

Rated 1 out of 5 stars

Literally the worst experience I’ve…

Literally the worst experience I’ve ever had in my life. I got in a car accident a year ago TODAY and my license was a suspended over month ago because nobody can verify the insurance a that the claim was paid and it’s over $10,000. Currently trying to get my license reinstated and cannot ever get a hold of my adjustor to get the paperwork I need in order to get my license fixed and show them it’s been paid. It’s absolutely HORRIBLE dealing with them

2 December 2025
Unprompted review
Lemonade logo

Reply from Lemonade

This sounds incredibly frustrating, and we don’t want anyone to be left in that kind of situation. Please reach out to us at fixthis@lemonade.com so we can look into your claim, coordinate with your adjuster, and help you get the documents you need.

Rated 5 out of 5 stars
Verified

Lemonade didn’t give me a hard time on…

Lemonade didn’t give me a hard time on anything when I submitted my claims for an emergency surgery for my dog. They were great and fast! Gave me something less to worry about so I could focus on my dog and his recovery.

24 November 2025
Lemonade logo

Reply from Lemonade

We’re thrilled to hear your claim experience was smooth and we could lift a little stress during your dog’s emergency. Wishing your pup a speedy and easy recovery — you both deserve a little peace of mind.

Rated 1 out of 5 stars

Can I not put minus this is a terrible…

Can I not put minus this is a terrible company 3 months to be asked for evidence that I went on holiday and what I did ok holiday , if that doesn't prove how bad they are then you would be daft to sign up , avoid avoid avoid what does me being on holiday got to do with someone robbing me

13 September 2025
Unprompted review
Lemonade logo

Reply from Lemonade

Thank you for your feedback, Stephen. We’re sorry to hear about your frustration with the claims process and the documentation requested. Your input helps us improve, and if you’d like us to review your case further, please email fixthis@lemonade.com.

Rated 1 out of 5 stars

Lemonade is a scam

Lemonade is a scam. Do not purchase this pet insurance. My dog was diagnosed with an acute case of diarrhea and the DENIED the claim. I don’t think they know the difference between acute and chronic. Don’t waste your money, go elsewhere.

29 August 2025
Unprompted review
Lemonade logo

Reply from Lemonade

Thank you for sharing your experience. We’re sorry you feel let down by your claim outcome. Our team reviews each case carefully, and your feedback is important for us to improve. If you’d like us to take another look at your claim, please email fixthis@lemonade.com and we’ll be happy to look into this for you.

Rated 5 out of 5 stars

updated

Edit: although this review was an honest one, I have since learned more about Trustpilot's business practices, and do not wish to participate in them.

Thank you to Lemonade for your level-headed response to my feedback, despite my grumpiness.

I will probably delete this review entirely after a few days.

25 November 2025
Unprompted review
Lemonade logo

Reply from Lemonade

Thank you for your honest feedback. We know interacting with a chatbot isn’t for everyone, and we appreciate you sharing your concerns about the experience. Your input will be shared with our team as we work on making our quote process better and more accessible for everyone.

Rated 1 out of 5 stars

Don’t buy any insurance from these…

Don’t buy any insurance from these scammers I keep hearing people say there’s no recourse but the bbb is already aware and lodging complaints. Thieves and liars they are.

25 November 2025
Unprompted review
Lemonade logo

Reply from Lemonade

We’re sorry to hear you feel this way. If you’d like to discuss your experience or have any questions, please reach out to us at fixthis@lemonade.com so we can help make things right.

Rated 1 out of 5 stars

Kept being hustled while I was overseas…

Kept being hustled while I was overseas about location setting in my phone…which were all correct but it seems they didn’t understand that their app has limitations when people are travelling. Very frustrating as a frequent traveler.

29 November 2025
Unprompted review
Lemonade logo

Reply from Lemonade

Your feedback is valuable, and we’ll share it with our team as we work to improve our experience for frequent travelers. If you’re still having trouble or need any help, please reach out to us at help@lemonade.com. We’re here for you.

Rated 1 out of 5 stars

Being cheeper doesn’t make it easy

The terms and conditions to have heating on constant at 15c is ridiculous and an electrical check every 3 years when that’s not the regs, they are every 5. Now I’m being asked to provided evidence of items above 2k which should take a few minutes. This is not a two min job if you have to take your items for an appraisal which is another expense. This is the worst insurance experience I’ve had for last 20 years!

29 November 2025
Unprompted review
Lemonade logo

Reply from Lemonade

We would love to learn more about what happened and how we can make things right. Please email fixthis@lemonade.com so we can help.

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