Embrace vs. Lemonade Pet Insurance

Lemonade offers better pet insurance coverage for dogs and cats than Embrace, ranking sixth nationally while Embrace ranks tenth. Research shows both providers offer similar deductible options and reimbursement rates, but Lemonade provides more flexible annual coverage limits and shorter waiting periods for accident claims, giving pet owners faster access to benefits when their pets need care.

Lemonade dominates the pet insurance market as the best pet insurance company in 47 states for cats and 42 states for dogs. This nationwide leadership across both categories shows Lemonade's consistent performance and competitive rates for pet owners.

Lemonade offers cheaper pet insurance rates than Embrace across all age groups for both cats and dogs. Middle-aged dogs cost $45 per month with Lemonade compared with Embrace's $77 per month. For middle-aged cats, Lemonade charges $22 versus Embrace's $46.

See how much pet insurance costs across different age categories.

Lemonade offers the cheapest pet insurance across all 41 states we analyzed. Lemonade beats Embrace in every cost category, including middle-aged dogs and cats, making it the clear winner for affordable coverage nationwide.

Lemonade offers more pet insurance discounts than Embrace. The table below shows each provider's specific discount offerings and savings details.

Lemonade delivers better customer experience than Embrace, ranking third nationally for both dog and cat insurance in our study. While Embrace holds an A+ BBB rating compared to Lemonade's B- rating, Lemonade edges ahead with a 4.2 Trustpilot score versus Embrace's 4.1 rating. Embrace sits ninth nationally, six positions behind Lemonade in customer experience rankings.

Lemonade offers better pet insurance coverage for dogs and cats than Embrace, ranking sixth nationally while Embrace ranks eighth. Both companies provide comparable options for deductibles, annual limits and reimbursement rates, but Lemonade has a shorter waiting period for accidents, more coverage selection flexibility and allows pet owners to change their coverage within the first 14 days of purchase.

Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.

Both providers allow you to customize your plan with add-ons that expand financial protection for preventive and wellness care.

Embrace offers two add-on plans: 

• Wellness Rewards plan: Covers routine care like exams, dental cleaning, vaccines, blood tests, spay/neuter, microchipping, grooming, and training with annual benefit options of $300, $500, or $700.
• Exam fee and prescription drug coverage: Optional add-ons that help pay for vet exam fees and medications related to covered conditions.

Lemonade offers the following add-ons:

• Preventative care and Preventative+ packages: Cover exams, vaccines, blood tests, parasite screening, and dental cleaning.
• Vet visit fee add-on: Covers the cost of examination fees for accidents and illnesses.
• Physical therapy add-on: Provides reimbursement for acupuncture, chiropractic care, hydrotherapy, or other rehabilitation services.
• Dental illness add-on: Covers tooth extractions, root canals, and treatment for periodontal disease.
• Behavioral conditions add-on: Pays for diagnostics and therapy for behavioral issues such as anxiety or aggression.
• End-of-life coverage add-on: Covers veterinarian-recommended euthanasia and cremation costs.

Lemonade beats Embrace across every category, delivering better affordability, coverage options and customer service. Lemonade costs significantly less, with rates starting at $22 per month for middle-aged cats and $45 for dogs compared to Embrace's much higher $46 and $77 respectively. Lemonade provides comprehensive accident and illness protection with flexible wellness add-ons, while earning a 4.2 out of 5.0 Trustpilot rating and B- BBB rating.

Compare Embrace and Lemonade pet insurance through these common questions:

Evaluating Embrace vs Lemonade required gathering quotes and policy details using identical pet profiles and coverage specifications. Both providers were assessed under the same conditions to ensure fair comparison.

• $5,000 annual limit • 80% reimbursement rate • $500 deductible • 6-year-old Labrador Retriever for dog coverage • 7-year-old Ragdoll for cat coverage

MoneyGeek scored each company using three weighted factors:

Affordability (50% of score): We collected quotes across different pet ages and coverage options to assess typical monthly premiums, including available discounts that affect real costs.

Customer Experience (30% of score): We analyzed Trustpilot ratings and customer feedback to measure satisfaction with claims processing and customer support.

Coverage (20% of score): We compared policy features, waiting periods and available add-ons to determine which provider offers more comprehensive pet health protection.