Lemonade is an insurance provider, so “returns” generally do not apply. Instead, the relevant policy is cancellation and premium refunds. Policies can typically be canceled at any time, and any unused premium for the remaining paid period is generally refunded on a pro‑rated basis. For certain products, a “free look” period may apply, allowing a full refund if the policy is canceled within a defined window after purchase. For example, Lemonade’s life insurance FAQ describes a 30‑day free look period that provides a full refund of the first month’s premium if canceled within 30 days.
Cancellation is commonly handled through the Lemonade app or account area on the website. After cancellation is requested, coverage generally ends effective the date of the cancellation request (not retroactively), and any refund due is calculated based on the remaining time in the paid term. If premiums are paid monthly, cancellation stops future recurring charges tied to the policy; if premiums are paid annually, the refund is typically the unused portion of the annual premium. Refunds are generally issued back to the original payment method used to purchase the policy.
If a policy is set to renew automatically, cancellation should be submitted before the renewal date to avoid being charged for the next term. If a renewal charge occurs and the policy is then canceled, the refund outcome typically depends on the effective cancellation date and the insurer’s pro‑ration rules. For billing concerns—such as an unexpected charge, duplicate payment, or questions about the refund amount—the recommended approach is to contact customer support promptly with the policy details, payment date, and the last four digits of the payment method so the transaction can be located and reviewed.
If a payment is missed or a card is declined, the policy may be subject to cancellation after notice and a grace period, depending on the product and state rules. In those situations, any refund (if applicable) is still tied to the portion of premium that was paid but not earned for coverage time. For disputes about billing or cancellation effective dates, documentation matters: keeping confirmation emails, screenshots of the cancellation confirmation, and timestamps of support communications helps resolve discrepancies. For the most accurate outcome, cancellation should be initiated directly in the app or account portal when possible, and any follow‑up should reference the policy number and the requested cancellation date.
