Lemonade offers better pet insurance for dogs and cats than Embrace, ranking first nationally in MoneyGeek's comprehensive study of pet insurance companies. If you want comprehensive financial protection without overpaying, choose Lemonade over Embrace for the strongest combination of value and service.
Embrace vs. Lemonade Pet Insurance
Updated: March 16, 2026
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Embrace vs. Lemonade Pet Insurance: Key Takeaways
Lemonade has more affordable pet insurance rates, charging $22 per month for middle-aged cats and $45 per month for dogs. Embrace charges $46 for middle-aged cats and $77 for dogs.
Lemonade provides better customer service than Embrace, earning a high 4 out of 5 Trustpilot rating and 72% positive sentiment on Reddit for its fast claim approvals and reimbursements.
Lemonade ranks sixth nationwide for pet insurance coverage, ahead of Embrace at 10th. It also has more reimbursement rate options and a shorter waiting period for orthopedic conditions, 30 days compared to Embrace's six months.
Is Embrace or Lemonade Pet Insurance Better?
| Cat | Affordability | Lemonade | 3 | 14 |
| Dog | Affordability | Lemonade | 1 | 12 |
| Cat | Coverage | Lemonade | 6 | 10 |
| Dog | Coverage | Lemonade | 6 | 10 |
| Cat | Customer Experience | Lemonade | 3 | 6 |
| Dog | Customer Experience | Lemonade | 3 | 6 |
| Cat | Overall Score | Lemonade | 1 | 14 |
| Dog | Overall Score | Lemonade | 1 | 13 |
How We Decided the Winning Pet Insurance Provider
All scores presented here were based on averages for experiences and pricing for a 6-year-old Labrador Retriever and 7-year-old Ragdoll, with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Learn more about the best pet insurance options for your pet across different situations:
Embrace and Lemonade Comparison by State
Our analysis shows that Lemonade consistently leads against Embrace as the best pet insurance company for dogs and cats in all 50 states.
Data filtered by:
Select
| Alabama | Cat | Lemonade |
| Alabama | Dog | Lemonade |
| Alaska | Cat | Lemonade |
| Alaska | Dog | Lemonade |
| Arizona | Cat | Lemonade |
| Arizona | Dog | Lemonade |
| Arkansas | Cat | Lemonade |
| Arkansas | Dog | Lemonade |
| California | Cat | Lemonade |
| California | Dog | Lemonade |
| Colorado | Cat | Lemonade |
| Colorado | Dog | Lemonade |
| Connecticut | Cat | Lemonade |
| Connecticut | Dog | Lemonade |
| Delaware | Cat | Lemonade |
| Delaware | Dog | Lemonade |
| Florida | Cat | Lemonade |
| Florida | Dog | Lemonade |
| Georgia | Cat | Lemonade |
| Georgia | Dog | Lemonade |
| Hawaii | Cat | Lemonade |
| Hawaii | Dog | Lemonade |
| Idaho | Cat | Lemonade |
| Idaho | Dog | Lemonade |
| Illinois | Cat | Lemonade |
| Illinois | Dog | Lemonade |
| Indiana | Cat | Lemonade |
| Indiana | Dog | Lemonade |
| Iowa | Cat | Lemonade |
| Iowa | Dog | Lemonade |
| Kansas | Cat | Lemonade |
| Kansas | Dog | Lemonade |
| Kentucky | Cat | Lemonade |
| Kentucky | Dog | Lemonade |
| Louisiana | Cat | Lemonade |
| Louisiana | Dog | Lemonade |
| Maine | Cat | Lemonade |
| Maine | Dog | Lemonade |
| Maryland | Cat | Lemonade |
| Maryland | Dog | Lemonade |
| Massachusetts | Cat | Lemonade |
| Massachusetts | Dog | Lemonade |
| Michigan | Cat | Lemonade |
| Michigan | Dog | Lemonade |
| Minnesota | Cat | Lemonade |
| Minnesota | Dog | Lemonade |
| Mississippi | Cat | Lemonade |
| Mississippi | Dog | Lemonade |
| Missouri | Cat | Lemonade |
| Missouri | Dog | Lemonade |
| Montana | Cat | Lemonade |
| Montana | Dog | Lemonade |
| Nebraska | Cat | Lemonade |
| Nebraska | Dog | Lemonade |
| Nevada | Cat | Lemonade |
| Nevada | Dog | Lemonade |
| New Hampshire | Cat | Lemonade |
| New Hampshire | Dog | Lemonade |
| New Jersey | Cat | Lemonade |
| New Jersey | Dog | Lemonade |
| New Mexico | Cat | Lemonade |
| New Mexico | Dog | Lemonade |
| New York | Cat | Lemonade |
| New York | Dog | Lemonade |
| North Carolina | Cat | Lemonade |
| North Carolina | Dog | Lemonade |
| North Dakota | Cat | Lemonade |
| North Dakota | Dog | Lemonade |
| Ohio | Cat | Lemonade |
| Ohio | Dog | Lemonade |
| Oklahoma | Cat | Lemonade |
| Oklahoma | Dog | Lemonade |
| Oregon | Cat | Lemonade |
| Oregon | Dog | Lemonade |
| Pennsylvania | Cat | Lemonade |
| Pennsylvania | Dog | Lemonade |
| Rhode Island | Cat | Lemonade |
| Rhode Island | Dog | Lemonade |
| South Carolina | Cat | Lemonade |
| South Carolina | Dog | Lemonade |
| South Dakota | Cat | Lemonade |
| South Dakota | Dog | Lemonade |
| Tennessee | Cat | Lemonade |
| Tennessee | Dog | Lemonade |
| Texas | Cat | Lemonade |
| Texas | Dog | Lemonade |
| Utah | Cat | Lemonade |
| Utah | Dog | Lemonade |
| Vermont | Cat | Lemonade |
| Vermont | Dog | Lemonade |
| Virginia | Cat | Lemonade |
| Virginia | Dog | Lemonade |
| Washington | Cat | Lemonade |
| Washington | Dog | Lemonade |
| West Virginia | Cat | Lemonade |
| West Virginia | Dog | Lemonade |
| Wisconsin | Cat | Lemonade |
| Wisconsin | Dog | Lemonade |
| Wyoming | Cat | Lemonade |
| Wyoming | Dog | Lemonade |
How We Decided the Winning Pet Insurance Provider by State
All scores presented here were based on averages for experiences and pricing for a 6-year-old Labrador Retriever and 7-year-old Ragdoll, with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Embrace vs. Lemonade Pet Insurance Cost
Lemonade wins every pet insurance cost category for dogs and cats against Embrace, with the biggest savings on senior dogs. You'll pay an average of $58 monthly with Lemonade for senior dog coverage, compared to Embrace's $192 monthly, saving 69% on premiums.
Data filtered by:
Select
| Kittens | Lemonade | $10 | 54% |
| Young Cats | Lemonade | $13 | 53% |
| Puppies | Lemonade | $19 | 43% |
| Middle Aged Cats | Lemonade | $22 | 51% |
| Young Dogs | Lemonade | $25 | 43% |
| Senior Cats | Lemonade | $32 | 67% |
| Middle Aged Dogs | Lemonade | $45 | 42% |
| Senior Dogs | Lemonade | $58 | 69% |
How We Decided the Winning Pet Insurance Provider
All rates are averages for Labrador Retrievers and Ragdolls, covering pets under 1 year old through age 20, across all 50 states.
Embrace vs. Lemonade Pet Insurance Cost by State
Lemonade offers the cheapest pet insurance across all eight age categories in every state, consistently undercutting Embrace's rates nationwide. Arkansas has the lowest costs for kittens, puppies, young pets, middle-aged pets and senior pets alike.
- Kittens: Lemonade costs $6 per month in Arkansas, 54% less than Embrace's $14 monthly rate in the same state.
- Puppies: Lemonade's lowest puppy rate is $12 per month in Arkansas, compared to Embrace's $22 per month.
- Young Cats: Arkansas is the most affordable state for young cat coverage. Lemonade charges $9 per month, 53% less than Embrace's $19 monthly rate.
- Young Dogs: Lemonade charges $17 per month in Arkansas, 43% less than Embrace's $30 per month.
- Middle-Aged Cats: Arkansas pet owners pay $15 per month with Lemonade, compared to $31 per month with Embrace, a 51% difference.
- Middle-Aged Dogs: Lemonade's Arkansas rate is $30 per month, 42% less than Embrace's $51 per month.
- Senior Cats: Lemonade's cheapest senior cat rate is $21 per month in Arkansas, 67% less than Embrace's $65 per month.
- Senior Dogs: Lemonade's lowest senior dog rate is $39 per month in Arkansas, compared to Embrace's $128 per month.
Data filtered by:
Middle Aged Dogs
| Alabama | Lemonade | $33 | 42% |
| Arizona | Lemonade | $54 | 42% |
| Arkansas | Lemonade | $30 | 42% |
| California | Lemonade | $56 | 42% |
| Colorado | Lemonade | $56 | 42% |
| Connecticut | Lemonade | $51 | 42% |
| Delaware | Lemonade | $45 | 42% |
| Florida | Lemonade | $50 | 42% |
| Georgia | Lemonade | $40 | 42% |
| Hawaii | Lemonade | $45 | 42% |
| Illinois | Lemonade | $55 | 42% |
| Indiana | Lemonade | $40 | 42% |
| Iowa | Lemonade | $37 | 42% |
| Louisiana | Lemonade | $36 | 42% |
| Maryland | Lemonade | $43 | 43% |
| Massachusetts | Lemonade | $57 | 42% |
| Michigan | Lemonade | $44 | 42% |
| Minnesota | Lemonade | $46 | 42% |
| Mississippi | Lemonade | $38 | 42% |
| Missouri | Lemonade | $35 | 42% |
| Montana | Lemonade | $37 | 42% |
| Nebraska | Lemonade | $40 | 42% |
| Nevada | Lemonade | $46 | 42% |
| New Hampshire | Lemonade | $51 | 42% |
| New Jersey | Lemonade | $50 | 42% |
| New Mexico | Lemonade | $39 | 42% |
| New York | Lemonade | $48 | 42% |
| North Carolina | Lemonade | $39 | 42% |
| North Dakota | Lemonade | $34 | 42% |
| Ohio | Lemonade | $41 | 42% |
| Oklahoma | Lemonade | $37 | 42% |
| Oregon | Lemonade | $55 | 42% |
| Pennsylvania | Lemonade | $46 | 42% |
| Rhode Island | Lemonade | $39 | 42% |
| South Carolina | Lemonade | $42 | 42% |
| Tennessee | Lemonade | $41 | 42% |
| Texas | Lemonade | $47 | 42% |
| Utah | Lemonade | $42 | 42% |
| Virginia | Lemonade | $47 | 43% |
| Washington | Lemonade | $51 | 42% |
| Wisconsin | Lemonade | $47 | 42% |
How We Decided the Winning Pet Insurance Provider by State
All rates presented here were based on average pricing for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll.
Embrace vs. Lemonade Pet Insurance Discounts
Lemonade offers three pet insurance discounts while Embrace provides two, but Embrace wins for multi-pet households with 10% off compared to Lemonade's 5%. Embrace also adds a 5% discount for active and former military members. Lemonade appeals to current customers through its 10% bundling discount and 5% annual payment discount, options Embrace doesn't offer.
Multiple pets | Save 5% when you enroll two or more pets with Lemonade. | Get 10% off when you insure two or more pets with Embrace. |
Annual payment | Receive a 5% discount for paying the annual premium in full. | None. |
Bundling | 10% off for bundling pet insurance with other Lemonade policies (renters, homeowners, auto). | None. |
Military | None. | Active or former members of the U.S. Air Force, Army, Marines, Navy or Coast Guard get 5% off on pet insurance. |
Embrace vs. Lemonade Pet Insurance Customer Experience
Lemonade provides better customer experience than Embrace, ranking third nationally for pets in our study compared to Embrace's sixth position. Both companies have similar Trustpilot ratings, though Lemonade edges ahead in overall Reddit sentiment (72% versus 29% positive).
Embrace vs Lemonade Trustpilot ratings
Lemonade earns a 4 out of 5 rating from Trustpilot, identical to Embrace's 4 out of 5. Lemonade users appreciate the insurer's instant reimbursements and user-friendly app, but some report claim denials and difficulty reaching human representatives for complex issues. Embrace customers praise its fast claims processing and compassionate customer service, though some complain about steep premium increases at renewal.
Embrace vs Lemonade BBB ratings
Embrace maintains an A+ BBB rating with full accreditation, demonstrating strong complaint resolution and business transparency. Lemonade holds a B- rating and is not accredited, indicating room for improvement in customer service standards.
Embrace vs Lemonade Pet Insurance Reddit Sentiment
Lemonade dominates Reddit sentiment with 72% positive feedback compared to Embrace's 29%. Reddit users praise Lemonade's instant claim approvals through its mobile app and fast reimbursements, often within minutes. Embrace receives mixed feedback, with users appreciating responsive customer service but criticizing lengthy claim processing times and strict pre-existing condition exclusions.
Embrace vs. Lemonade Pet Insurance Coverage
Lemonade offers better pet insurance coverage for dogs and cats than Embrace, ranking sixth nationally, while Embrace ranks 10th. Lemonade wins against Embrace by offering more options for reimbursement rates (four versus three) and a shorter waiting period for orthopedic conditions (30 days versus six months).
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | ✓ | ✓ |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$100, $250, $500, $750 | $100, $250, $500, $750, $1,000 | |
$5,000, $10,000, $20,000, $50,000, $100,000 | $2,000, $5,000, $8,000, $10,000, $15,000, Unlimited | |
60%, 70%, 80%, 90% | 70%, 80%, 90% | |
2 days for accidents, 14 days for illnesses, 30 days for orthopedic conditions and up to 6 months for cruciate ligament events | No waiting period for accidents, 14 days for illnesses, 6 months for orthopedic conditions | |
Age restrictions | Only insures pets up to 14 years old, depending on the breed | Pets aged 15 years old and above are limited to accident-only plans
|
Pre-existing conditions | Non-chronic pre-existing conditions may be eligible for reimbursement if cured and symptom-free for 12 months | Curable pre-existing conditions may be considered after 12 symptom-free months |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Embrace vs. Lemonade Wellness Plans
Embrace and Lemonade both include optional wellness plans for routine care, but the structure differs. Embrace has three annual allowance tiers you can spend across eligible services. Lemonade breaks it into four preventive care packages, each with set reimbursement limits per service.
- $300 Annual Allowance: Embrace gives you $300 to spend on any eligible preventive care, with no per-item limits, no deductible and no waiting period.
- $500 Annual Allowance: The $500 tier covers all eligible services, including vaccinations, dental cleanings, grooming and training.
- $700 Annual Allowance: The $700 tier gives you full flexibility to split funds across any eligible preventive care. Unused funds don't roll over at the end of the policy year.
- Routine Vet Care: Covers one wellness exam that includes annual parasite test, annual heartworm screening and annual blood test, plus up to three vaccines.
- Routine Vet Care Plus: Covers unlimited vaccines and wellness exams that include fecal or parasite test, bloodwork and heartworm or FeLV/FIV test. It also covers spay/neuter procedures, microchipping, heartworm/flea/tick prevention medication, deworming, nail trimming, joint and organ screenings, blood pressure monitoring, and preventative x-rays and ultrasounds.
- Preventative+ Care Package: Provides coverage for one wellness exam, three vaccines, flea/tick/heartworm medication and routine dental cleaning.
- Puppy/Kitten Preventative Care: Designed for pets under two years old, it reimburses two wellness exams, up to six vaccines or boosters, spay/neuter procedure, microchipping and flea/tick/heartworm medication.
Embrace vs. Lemonade Pet Insurance Add-ons
Both Embrace and Lemonade offer optional add-ons aside from their wellness plans. Between the two, however, Lemonade has more options for you to choose from.
Embrace Pet Insurance Add-ons
- Exam fee add-on: Covers vet exam fees for accidents and illnesses included in your policy.
Lemonade Pet Insurance Add-ons
- Vet visit fee add-on: Covers exam fees for accidents and illnesses.
- Physical therapy add-on: Covers acupuncture, chiropractic care, hydrotherapy and other rehabilitation services.
- Dental illness add-on: Covers dental services like tooth extractions, root canals and treatment for periodontal disease.
- Behavioral conditions add-on: Covers diagnostics, therapy and training for behavioral issues like anxiety or aggression.
- End-of-life and remembrance add-on: Covers veterinarian-recommended euthanasia and cremation, plus commemorative items like an urn, framed paw print pictures, digital photo storage or a tattoo.
Embrace vs. Lemonade Pet Insurance: Bottom Line
Lemonade is the stronger choice for dog and cat insurance over Embrace. It costs less across all age categories, from kittens and puppies to senior pets, with savings reaching 69% on senior dog coverage. Lemonade also earns higher customer service marks and covers more ground on accident and illness protection.
Compare other major pet insurance companies to determine the best choice for your pet:
Embrace vs. Lemonade Pet Insurance Comparison: FAQ
Compare Embrace and Lemonade pet insurance through these common questions:
What’s the difference between Embrace and Lemonade pet insurance?
Lemonade consistently wins against Embrace for pet insurance, providing cheaper rates, better customer service and more comprehensive coverage. While Embrace has higher Trustpilot and BBB ratings, Lemonade receives more positive feedback from Reddit users. Lemonade also has a shorter waiting period for orthopedic conditions (30 days) compared to Embrace's six-month wait.
Is Embrace or Lemonade cheaper for pet insurance?
Lemonade is cheaper than Embrace across all pet age groups nationwide. Senior cats cost $32 monthly with Lemonade versus Embrace's $98 monthly. The savings are even greater for senior dogs, with Lemonade charging $58 per month compared to Embrace's $192 monthly rate.
Which pet insurance is better for older pets: Embrace or Lemonade?
Lemonade is the better deal for older pets, with average monthly premiums of $32 for senior cats and $58 for senior dogs. The catch: Lemonade only accepts pets up to 14 years old at enrollment, depending on breed. Embrace insures older pets but limits coverage for pets 15 and older to accident-only plans.
How do Embrace and Lemonade compare for claims and reimbursement?
Both companies offer up to 90% reimbursement rates with different deductible structures. Embrace processes claims within five business days and pays via direct deposit or check, while Lemonade processes most claims instantly through its AI-powered system.
Does Embrace or Lemonade have better coverage for accidents and illnesses?
Embrace and Lemonade provide comprehensive accident and illness coverage including surgeries, hospitalization, diagnostic tests and medications. Both companies also extend coverage to exam fees through their optional add-ons. The main difference lies in their waiting periods: Embrace offers immediate coverage for accidents, while Lemonade has a two-day wait. Conversely, Lemonade imposes a 30-day waiting period for orthopedic conditions, whereas Embrace requires six months.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Trustpilot. "Embrace Pet Insurance." Accessed March 28, 2026.
- Trustpilot. "Lemonade." Accessed March 28, 2026.
- Better Business Bureau. "Embrace Pet Insurance." Accessed March 28, 2026.
- Better Business Bureau. "Lemonade Insurance Company." Accessed March 28, 2026.