Lemonade vs Embrace

Lemonade vs. Embrace

Embrace
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General info
General info
Coverage Type
Covered Pets
Reimbursement Rate
Annual Coverage Limit
Annual Deductible
Enrollment Age (Dog)
Enrollment Age (Cat)
Health Questionnaire
Claim Reimbursement Time
General info
Coverage Type
Covered Pets
Reimbursement Rate
Annual Coverage Limit
Annual Deductible
Enrollment Age (Dog)
Enrollment Age (Cat)
Health Questionnaire
Claim Reimbursement Time
Routine care
Emergency Visits
Regular Vet Visits
Specialist Consultations
Medication
Hospitalization & surgery
Hospitalization
Ambulance Services
Surgery
Lab care & imaging
Imaging
Lab Tests
Radiotherapy
Dentition
Dental Care
Teeth Cleaning
Prevention & specific care
Vaccinations
Anti-Parasitics
Neutering (Dog)
Neutering (Cat)
Identification
Additional guarantees
Lifetime Coverage
Waiting Period (Accident)
Waiting Period (Illness)
Hygiene
Alternative Therapies
Foreign Care
Death
Cremation
Euthanasia
Loss/Theft
Boarding Fees
Embrace - Embrace - Customizable Accident & Illness Plan
EmbraceCustomizable Accident & Illness Plan
Lemonade - Lemonade - Pet Insurance
LemonadePet Insurance
Accident & Illness
Dogs & Cats
Customizable
Customizable
Customizable
N/A
N.C.
Required
Varies
Accident & Illness
Dogs & Cats
Customizable
Customizable
Customizable
N/A
N.C.
Required
Varies
Covered
Covered
Covered
Optional
Covered
Covered
Covered
Covered
Covered
N.C.
Covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Yes
N.C.
14 days
Not covered
Covered
Not covered
Not covered
Not covered
Covered
Not covered
Not covered
Accident & Illness
Dogs & Cats
80%
$20,000
$250
N/A
N.C.
Yes
Fast
Accident & Illness
Dogs & Cats
80%
$20,000
$250
N/A
N.C.
Yes
Fast
Covered
Not Covered
Covered
Covered
Covered
N.C.
Covered
Covered
Covered
N.C.
Not Covered
Not Covered
Not Covered
Not Covered
Not Covered
Not Covered
Not Covered
N.C.
2 days
14 days
Not Covered
Not Covered
N.C.
Not Covered
Not Covered
Covered if prescribed
Not Covered
Not Covered
Embrace
Customizable Accident & Illness Plan
Lemonade
Pet Insurance
Coverage Type
Accident & Illness
Accident & Illness
Covered Pets
Dogs & Cats
Dogs & Cats
Reimbursement Rate
Customizable
80%
Annual Coverage Limit
Customizable
$20,000
Annual Deductible
Customizable
$250
Enrollment Age (Dog)
N/A
N/A
Enrollment Age (Cat)
N.C.
N.C.
Health Questionnaire
Required
Yes
Claim Reimbursement Time
Varies
Fast
Emergency Visits
Covered
Covered
Regular Vet Visits
Covered
Not Covered
Specialist Consultations
Covered
Covered
Medication
Optional
Covered
Hospitalization
Covered
Covered
Ambulance Services
Covered
N.C.
Surgery
Covered
Covered
Imaging
Covered
Covered
Lab Tests
Covered
Covered
Radiotherapy
N.C.
N.C.
Dental Care
Covered
Not Covered
Teeth Cleaning
Not covered
Not Covered
Vaccinations
Not covered
Not Covered
Anti-Parasitics
Not covered
Not Covered
Neutering (Dog)
Not covered
Not Covered
Neutering (Cat)
Not covered
Not Covered
Identification
Not covered
Not Covered
Lifetime Coverage
Yes
N.C.
Waiting Period (Accident)
N.C.
2 days
Waiting Period (Illness)
14 days
14 days
Hygiene
Not covered
Not Covered
Alternative Therapies
Covered
Not Covered
Foreign Care
Not covered
N.C.
Death
Not covered
Not Covered
Cremation
Not covered
Not Covered
Euthanasia
Covered
Covered if prescribed
Loss/Theft
Not covered
Not Covered
Boarding Fees
Not covered
Not Covered

Still unsure which pet insurance is right for you? Compare the top providers in the U.S. and find the perfect plan for your furry friend.

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Jordan Mitchell
Jordan Mitchell
Personal finance editor
HelloSafe
Jordan is a U.S.-based personal finance editor with over a decade of experience in financial literacy and consumer advocacy. He holds a BA in Economics from the University of California, Berkeley, and a CFP® certification. Before joining HelloSafe, Jordan worked as a financial advisor and later as lead content strategist at several fintech startups. His mission: making money management clear, relatable, and empowering for everyday Americans. At HelloSafe, he writes in-depth guides on topics like insurance, credit, loans, savings, and budgeting—focused on helping readers make smart, confident financial choices.

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