Lemonade vs Embrace Pet Insurance

Lemonade vs Embrace Pet Insurance

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Being a pet owner is quite a rewarding role that comes with many responsibilities. And while spending the day with your furry friend outdoors can bring joy to all parties, it’s important to make sure your pets are healthy. One aspect of making sure your fluff is safe and healthy means choosing the right pet insurance that will cover all their needs. 

The pet insurance market is a vast one, but it’s not hard if you know what to look for. Lemonade Pet Insurance and Embrace Pet Insurance are two ‘top dogs’ in the insurance industry. They provide pet owners the needed peace of mind by offering affordable plans and extensive coverage, and outstanding ratings from satisfied customers back all this up.

Lemonade Pet Insurance

One of the best-ranked pet insurances nowadays is Lemonade.

Embrace pet insurance

Nationwide includes the comprehensive benefit option.


Looking at Lemonade vs Embrace pet insurance we find that both companies have some excellent offers for pet owners. Embrace has been in the industry longer while Lemonade is a novice. Yet, they both have unique features that will amaze any pet owner.

To help you make the right choice for you and your love bundle, we researched both insurance providers. Read our Embrace vs Lemonade comparison to learn which can provide more for your pet’s well-being.

Lemonade Pet Insurance Overview

Lemonade pet insurance has been active on the scene since 2015 and quickly climbed up the ladder to become one of the best pet insurance providers. A modern insurance company that keeps in touch with all digital trends, Lemonade pet insurance offers a mobile app with sophisticated AI software.

Lemonade pet insurance offers pet owners a basic Accident & Illness Plan that can be upgraded thus creating a customizable plan to meet the pet’s needs. One such Lemonade Dog Insurance add-on for puppies allows for spaying, neutering, vaccines, and meeting all the needs of baby pets. This add-on is also available for kittens.

Lemonade is known for donating 40% of unclaimed money to a charity of your choice through their Giveback program.


  • Add-on for puppy/kitten care
  • Possibility for 5% and 10% discounts
  • Customizable plans at affordable prices
  • No lifetime limits on plans
  • Wellness and preventative care coverage
  • Sophisticated mobile app for filing claims


Lemonade Pet Insurance

Embrace Pet Insurance Overview

Embrace has been providing pet insurance services since 2003 and offers customizable and affordable coverage plans to pet owners. It provides coverage of a wide spectrum of pet issues and several deductible options to choose from. 

The most popular coverage is the Accident and Illness Plan, with the option of purchasing the Wellness Rewards add-on to cover the preventive and routine care of the pet. An interesting option is the Healthy Pet Deductible, where Embrace lowers the deductible by $50 for every year you don’t file a claim and does a great job at keeping your pet healthy.


  • 10% discount available for owners of multiple pets
  • 24/7 online PawSupport service
  • Stimulating Healthy Pet Deductible Program
  • 5% military discount 
  • Selection of deductible options
  • User-friendly mobile app for managing the insurance policy and filing claims


  • Annual cap limit of $30,000
  • Expensive wellness add-on
  • Higher premiums for older dogs
  • No coverage for prescription food and supplements
Embrace Pet Health Insurance Review

Lemonade vs Embrace Pet Insurance: Limits and Deductibles

Limits and deductibles vary between insurance providers, but you may find some similarities among them. When looking at Lemonade vs Embrace pet insurance, we can see slight differences in this respect. 

With Lemonade pet insurance a pet owner may choose annual coverage limits between $5,000, $10,000, $20,000, $50,000, and $100,000. Embrace goes only as high as $30,000 in annual limits, so you may choose from $5,000, $8,000, $10,000, $15,000, and $30,000. Lemonade undoubtedly takes the lead in annual coverage limits, but that’s not the case when comparing Embrace vs Lemonade deductibles.

Both companies allow pet owners to choose the amount of money they will give before the policy starts. Embrace offers a choice of $200, $300, $500, $750, and $1,000 annual deductible. Things are simpler with Lemonade since they allow a choice between a $100, $250, and a $500 annual deductible.

Lemonade vs Embrace Pet Insurance: Waiting Periods

The pet insurance provider enforces waiting periods to protect themselves against fraud. This means that it takes a bit of time for your insurance to be active. During the waiting period, the policy isn’t active meaning there is no coverage. 

Every insurance provider offers different waiting periods. Lemonade provides a waiting period of only two days for accidents, fourteen for illnesses, and six months for cruciate ligament events. 

These periods are quite similar to what Embrace has to offer. Embrace enforces two days for accidents, fourteen days for illness, and a six-month waiting period for orthopedic conditions that may be reduced to 14 days by following an Orthopedic Exam and Waiver Process. 

Lemonade vs Embrace Pet Insurance: Claims

Prioritizing customer support is what keeps insurance companies the top-ranking providers. Both Embrace and Lemonade strive to assist pet owners in dealing with unfortunate occurrences thus simplifying the claiming process.

Both companies provide mobile apps which clients can use to file claims. This app may also be used by pet owners to keep track of their pet’s health exams. Lemonade offers high-end software allowing it to process 30% of its claims speedily. Both companies allow pet owners to view and track the claim process.

Lemonade vs Embrace Pet Insurance: Pricing & Plans

The price of pet insurance policies depends on many factors including your location, your pet’s age, species, and breed. Pet insurance providers frequently recommend that pet owners ensure their furry friends are as young as possible.

Young pets are healthy and without any prior conditions, therefore, ensuring an older dog tends to get pricier due to breed-specific conditions. You will find prices and coverage plan options vary greatly between providers. Lemonade offers one standard plan with multiple add-ons, while Embrace offers two plans and some additional add-ons. 

Lemonade Pricing & Plan

Lemonade is suitable for pet owners who prefer flexible pricing options and customizable insurance plans. It offers a standard Accident and Illness plan that covers poisoning, medication, emergency hospitalization, surgery, hip dysplasia, and diagnostics. The coverage may be extended by selecting one of the several Lemonade add-ons. Lemonade’s Extended Accident and Illness Package covers vet visits and functionality treatments, including physical therapy, hydrotherapy, and acupuncture. 

Lemonade offers three types of preventive add-ons:

  • Preventative and Wellness Package – covers live chat with experts, annual wellness exams, heartworm or FeLV/FIV test, vaccines, fecal or internal parasite test, and blood tests;
  • Preventive+ – used for medication for flea/tick or heartworm, and dental cleaning matters;
  • Puppy/Kitten Preventative Package – provide the little fellas with coverage for microchipping, spaying and neutering, and up to 6 vaccines for pets less than 24 months old.

As mentioned, prices vary depending on what pet owners choose to meet the needs of their pets. The average monthly cost for cat insurance is $25 per month and $37 for dog insurance. Lemonade also offers discounts such as a 5% annual discount, 5% for multiple pets, and 10% for bundling different types of insurance.

Embrace Pricing & Plan

Embrace pet insurance offers two insurance plans: An accident-only plan and an Accident and Illness Plan. The Accident-only plan is highly popular for dogs 15 years and older. The plan covers veterinary care for poisoning, cuts, bloating, or a pet hit by a car. 

The most popular Embrace pet insurance coverage plan is the Accident and Illness plan. This plan covers exam fees, vet bills, X-rays, hospitalization, allergy testing, alternative treatments, cancer, dental trauma, chronic, congenital, genetic conditions, etc. 

The Optional Wellness Rewards Coverage is an add-on offered to help with routine vet visits, microchipping, vaccinations, teeth cleaning, spay or neuter surgery, gland expressions, and more. The plan pays in full for all the above treatments. 

The Healthy Pet Deductible is an option offered only by Embrace for the most caring pet owners. They’ll receive a $50 deductible each year they don’t file a claim as a reward for keeping their pets healthy and safe. 

Embrace’s average insurance cost for dogs comes between $30 and $40 per month and $15 to $20 per month for cats. Embrace offers the Optional Wellness Rewards coverage for an extra $18 to $53 per month.

In the race for a better offer for plans and add-ons offered to pet owners, Lemonade is a winner. It may provide only one standard insurance plan, but it offers more add-ons that give pet owners more customizable options. Keep in mind, though, that this means pricier insurance coverage. 

Conclusion: Which One is The Best?

Is Embrace good pet Insurance, or do the odds lean more towards Lemonade? Upon comparing Lemonade pet insurance vs Embrace pet insurance, it’s safe to conclude that both providers are excellent options for your furry friends. Weighing the pros and cons, we find that they are both suitable for different pet needs.

Lemonade and the puppy/kitten preventive package are an excellent option for those young pups that need nurturing at an early age. It also provides great care for pets prone to hip dysplasia for all dogs, regardless of age.

Embrace is a great option for older dogs offering coverage with the Accident-only plan and the opportunity to get a $50 deductible each year you keep your pet safe.

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