How to Cancel Lemonade Insurance in 2026

Updated February 2026 • 6 min read

Lemonade is one of the easiest insurance companies to cancel — which is actually one of their selling points. No phone tree, no retention department, no guilt trip. You cancel in the app and get a pro-rated refund. But there are a few things to know first depending on which Lemonade product you have.

Cancel in the App (2 Minutes)

1. Open the Lemonade app
2. Tap Policy (or go to lemonade.com/app/policy)
3. Select the policy you want to cancel
4. Tap Cancel Policy
5. Choose your cancellation date (immediate or future date)
6. Confirm

You can also chat with their AI assistant (Maya) or email support@lemonade.com. The in-app method is fastest.

Refund Policy

Lemonade refunds the unused portion of your premium pro-rata. If you cancel halfway through a monthly billing period, you get half back. No cancellation fees. The refund typically appears within 5-10 business days.

Canceling by Policy Type

Renters Insurance

Easiest to cancel — no third parties involved. Cancel in the app. If your lease requires renters insurance, make sure you have a replacement policy before canceling. Your landlord may check.

Homeowners Insurance

If your homeowners insurance is paid through a mortgage escrow account, you need to do more than just cancel in the app:

1. Get replacement homeowners insurance FIRST
2. Send proof of new coverage to your mortgage company
3. Then cancel Lemonade

If you cancel without replacement coverage, your mortgage company will buy "force-placed" insurance — which costs 2-5x more and provides less coverage.

Pet Insurance

Cancel in the app. Keep in mind: if your pet has developed conditions while on Lemonade, a new pet insurer will classify those as pre-existing conditions and exclude them. If your pet has chronic conditions, switching insurers may not be wise.

Car Insurance

Cancel in the app, but get replacement auto insurance first. Driving without insurance is illegal in most states, and even a one-day gap can result in license suspension, fines, and higher rates from future insurers.

Life Insurance

You can cancel Lemonade term life insurance at any time. No surrender charges or cancellation fees. However, consider whether you need replacement coverage — if your health has changed since you got the Lemonade policy, a new insurer may charge more or decline coverage.

Why People Leave Lemonade

• Rate increases: Lemonade premiums can jump 20-40% at renewal
• Claim denials: AI-driven claims processing can be frustrating for complex claims
• Found cheaper rates: Bundling home + auto with a traditional insurer is often cheaper
• Moving: Lemonade is not available in all states
• Coverage limits: Lemonade caps are lower than traditional insurers for some policy types

The Bottom Line

Lemonade makes cancellation easy — 2 minutes in the app, pro-rated refund, no fees. The only complexity comes from homeowners insurance (notify your mortgage company) and auto insurance (get replacement first). For renters and pet insurance, it is genuinely frictionless.