Lemonade Vs. Embrace Pet Insurance

Both Lemonade and Embrace offer one standard pet insurance plan with optional add-ons for more coverage. Their major differences lie in what they cover, where you can purchase and use the policies, and their reimbursement timelines.

If you’re debating between Lemonade and Embrace, consider their primary differences to help make your decision:

	Lemonade	Embrace (Accident and Illness Policy)
Deductible Options	$100, $250, or $500	$200 to $1,000
Reimbursement Options	60%, 70%, 80% or 90%	70%, 80% or 90%
Wellness Add Ons?	Yes	No – Wellness Rewards
Customizable Coverage?	Somewhat Customizable	Somewhat Customizable
Waiting Periods	2 days for accidents, 14 days for illnesses, 6 months for cruciate ligament events	2 days for accidents, 14 days for illnesses, 6 months for orthopedic conditions
Average Customer Review	2.4 to 4.4 out of 5	2 to 4.2 out of 5
Average Reimbursement Timeframe	Almost instantly, longer if the claim is complex	10-15 days, on average
Accepted By Every Vet?	No; Only accepted by licensed vets in 37 U.S. states	Yes
Pays the Vet Directly?	No	No

Coverage Comparison

Lemonade offers one standard policy that covers typical accident and illness-related expenses, such as:

• Diagnostic testing
• Emergency procedures
• Medication
• Inpatient and outpatient surgery

Embrace also offers one simple plan, designed to cover “pretty much everything,” according to their website. The plan covers:

• Dental illnesses (eg. root canals, gingivitis, extractions, etc.)
• Breed-specific congenital and genetic conditions (eg. hip dysplasia)
• Cancer
• Chronic conditions
• Preventable conditions (eg. lyme disease, parvo, and parasites)
• Orthopedic conditions (eg. broken bones)
• Behavioral treatment (when administered by a licensed vet for a covered condition)
• Vet exam fees
• Emergency care
• Rehabilitative treatments (eg. acupuncture and laser therapy)
• Hospitalization and surgery
• Diagnostic testing
• Specialist care (eg. oncologists and behaviorists)
• Prescription drugs
• Prosthetics and mobility devices

It’s important to note that if your pet is over the age of 15, they will only be eligible for an Accident-Only plan with Embrace. And while Embrace is offered in all 50 U.S. states, Lemonade is only offered in 37. 

	Lemonade (Standard Plan)	Embrace (Accident and Illness Plan)
Accidents	✓	✓
Illnesses	✓	✓
Emergency Care	✓	✓
Hospitalization	✓	✓
Diagnostic Testing	✓	✓
Hereditary Conditions	✓	✓
Chronic Conditions	✓	✓
Cancer	✓	✓
Hip Dysplasia	✓	✓
Euthanasia	X	✓
Prescription Pet Food	X	X
Prescription Supplements	X	X
Spaying/Neutering	X	X
Pre-Existing Conditions	X	X
Cosmetic Surgery	X	X
Alternative Treatments	X	✓

Wellness Coverage

Both companies provide optional add-ons for greater coverage. Figo offers three optional wellness add-ons, called  “Powerups,” each with different coverage:

• Wellness: Coverage for preventative care like vaccinations, exams, dental care, and the cost to spay or neuter your pet
• Extra Care Pack: Coverage for cremation and burial, lost pet advertising and rewards, pet theft or loss, boarding fees, and more
• Veterinary Exam Fees: Coverage for exam fees not covered by your standard plan

Embrace, on the other hand, does not offer traditional wellness coverage. Instead, they offer Wellness Rewards, which is not an insurance policy, but rather a reimbursement program. It reimburses policyholders for expenses such as:

• Wellness exam fees
• Flea, tick, and heartworm prevention
• Microchipping
• Vaccines
• Spay/neuter procedures
• Fecal and routine blood tests
• Nutritional supplements
• Grooming
• Toenail trimming
• Medicated shampoos
• Wearable pet activity monitors
• Cremation or burial
• Preventative teeth cleanings
• Prescription diet food
• Training
• Routine chiropractic care
• Reiki and acupuncture

You can select from 3 levels of reimbursement: $250, $450, or $650. You will pay a fee to participate in the program, but if you use up your entire reimbursement amount, Embrace will give you an extra $25 in coverage. In essence, it’s a way for pet owners to regularly contribute toward future pet expenses.

Age Restrictions

Sometimes, pet insurance companies exclude pets above or below a certain age given the higher health costs for young and old pets. With Lemonade, pets under 2 months old are not eligible for coverage. Embrace, on the other hand, is available for pets of all ages, although pets over 15 are only eligible for an Accident-Only plan.

Customization/Flexibility

Both Lemonade and Embrace are fairly customizable given the number of optional add-ons and coverage options. However, neither policy is fully customizable.

Cost Comparison

Both Lemonade and Embrace come with a deductible, reimbursement rate, and annual maximum payout limit that impacts the premium you pay. Here are the options with each provider:

	Deductible Options	Reimbursement Levels	Annual Maximums
Lemonade	$100, $250, or $500	60%, 70%, 80%, or 90%	Between $5,000 and $100,000
Embrace	$200 to $1,000	70%, 80%, or 90%	Between $5,000 and $30,000

Here’s how rates for a male pet in Dallas, Texas would stack up against each other.

	Lemonade Accident + Illness Plan, with $20,000 annual limit, 80% reimbursement rate, and $250 deductible	Embrace Accident + Illness Plan, with a $15,000 annual limit, 90% reimbursement rate, and $200 deductible
8-week-old Labrador Retriever	$85.27	$69.53
8-week-old German Shepherd	$83.79	$69.53
5-year-old French Bulldog	$136.55	$116.30
5-year-old Poodle	$84.96	$50.53
Senior Golden Retriever	$148.50	$96.65
Senior Exotic Shorthair Cat	N/A	$83.08

If you plan to insure multiple pets, take advantage of multi-pet discounts — Lemonade offers 5%, while Embrace offers 10%. Embrace also offers a 5% military discount.

Enrollment, Waiting Periods, and Submitting Claims

Purchasing a policy with either insurance company is quick and easy — simply get a free quote on their website and follow the onboarding process from there. It’s important to note that Lemonade policies cannot be purchased over the phone.

Once enrolled, you’ll be subject to specific waiting periods, which are as follows:

	Lemonade	Embrace
Injuries	2 days	2 days
Illnesses	14 days	14 days
Cruciate Ligament Events	6 months	6 months (or as early as 14 days after your policy start date if certain conditions are met)

Both Lemonade and Embrace have easy claims processes, which are:

• Lemonade: Open the Lemonade app and tap the “File a Claim” button. Then, follow the prompts to complete the process.
• Embrace: Log into the MyEmbrace online portal or mobile app, then follow the prompts to submit a claim. You can also submit a claim by email, fax, or traditional mail.

After submitting a claim, you’ll need to wait for reimbursement. While Lemonade claims that reimbursement happens almost instantly, it’ll take around 10-15 days to see reimbursement from Embrace. 

Customer Reviews

Before purchasing a pet insurance policy, always read customer reviews from multiple sites for a clearer idea of authentic customer experiences. Here’s how Lemonade and Embrace are rated across popular review websites:

	Lemonade	Embrace
Trustpilot	4.4/5	4.2/5
Better Business Bureau	2.4/5	3.42/5
Yelp	Not Rated	2/5

It’s important to note that customers are more likely to report especially positive or negative experiences, not average ones. So, keep in mind that online ratings may be exaggerated one way or the other.

Bottom Line: Which is Better?

The best pet insurance policy for you will depend on you and your pet’s needs. Both Lemonade and Embrace offer standard coverage with optional add-ons, affordable premiums, and score similar ratings — you truly can’t go wrong with either.

Discover more about pet insurance here:

• When To Get Pet Insurance?
• Is Pet Insurance Worth It?
• How To Get Pet Insurance Discounts
• What is Pet Insurance & How Does It Work?
• What Is A Good Annual Limit For Pet Insurance?