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What’s The Difference Between Lemonade & Embrace Pet Insurance Plans?
Thank you for visiting our guide to comparing Embrace and Lemonade. Below you’ll find a comparison of plan rates, multi-pet discounts, wellness plans, coverage amounts, and more.
Remember that the easiest way to shop for pet insurance is using a tool such as this to compare pet insurance plans from all the major pet insurance companies at once. With this tool, you can compare rates from Lemonade and Embrace side by side, as well as other major pet insurers.
What Are the Differences Between Lemonade & Embrace Pet Insurance Plans?
The comparison below will show you the pet insurance plan features of Lemonade and Embrace, as well as many of the other top pet insurance brands.
Company
Annual Coverage
Annual Coverage
$5,000 or Unlimited
Up To $100,000
Unlimited
Unlimited
$5,000 or Unlimited
Unlimited
$10,000 or Unlimited
$5,000 – $30,000
Unlimited
Multi-pet Discount?
Multi-pet Discount?
Yes
Yes
No
No
Yes
No
Yes
Yes
No
What They Do Best
What They Do Best
Best for plan customization
Great pricing for puppies & kittens
$0 copay option. No fees for paying monthly.
Best for paying claims to veterinarian direct
Short waiting periods
Best for paying claims fast
Best Trustpilot reviews
Best plan for superior benefits
Fast claims. Wellness plan available.
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
4.3 / 5
4.6 / 5
4.7 / 5
4.5 / 5
4.1 / 5
4.4 / 5
4.5 / 5
4.5 / 5
4.1 / 5
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Yes
Yes
Yes
No
No
No
No
Yes
Yes
Example Quote for 1 Year Old 30 lb Mixed Breed
Example Quote for 1 Year Old 30 lb Mixed Breed
$35.81 per month
$20.00 per month
$30.00 per month
$68.25 per month
$69.30 per month
$26.25 per month
$73.46 per month
$42.35 per month
$15.00
Reimbursement Amount
Reimbursement Amount
90%, 80%, or 70%
90%, 80%, or 70%
90%, 80%, or 70%
90%
100%, 90%, 80%, or 70%
90%, 80%, 70%, 60%, or 50%
90%, 80%, or 70%
90%, 80%, or 70%
100% or 90%
Annual Deductible
Annual Deductible
$50, $100, $200, $250, $500, or $1,000
$100, $250, or $500
$100, $250, or $500
$0 to $1,000
$100, $250, $500, or $750
$100, $250, $500, $750, or $1,000
$100, $250, $500, or $1,000
$200, $300, $500, $750, or $1,000
$250, $500, or $1,000
Free Side-by-Side Quote Comparison Between Embrace and Lemonade
To receive your no-obligation Quote Comparison Between Embrace and Lemonade, fill out the form below
Common Questions About Lemonade Vs. Embrace
Coverage Amounts: Lemonade Vs. Embrace
Embrace offers 2 options, a lower-cost plan that covers a maximum of $5,000, and another costlier plan that features $30,000 in coverage. Lemonade only offers an Unlimited coverage plan. While unlimited sounds great, remember that it is factored into the cost of Lemonade’s insurance.
Multi-Pet Discounts: Lemonade Vs. Embrace
Embrace offers a discount on multiple pets, while, unfortunately, Lemonade currently does not. Typically multi-pet discounts are in the 5-10% range.
Which is Cheaper: Lemonade or Embrace?
In most cases, we found Embrace to offer a lower monthly cost. In our example quote, Embrace beat out Lemonade for a 1-year-old 30 lb mixed breed dog based out of the Texas zip code 75001. Keep in mind, however, that your location, dog’s age, breed, gender, and other factors greatly affect your pricing. The best way to know whether Lemonade or Embrace is cheaper is to run a comparison quote here.
The Bottom Line: Who is Better Lemonade or Embrace?
Overall, we give a slight edge to Embrace for significantly more affordable pricing and the ability to add a Wellness Plan covering preventative care to your Accident and Illness coverage. Both companies are very reputable and popular with iHeartDogs readers, with Lemonade receiving 4.5 out of 5 stars and Embrace receiving 4.4 out of 5 stars.
Run a No Obligation Comparison Quote Between Embrace and Lemonade
[12] Embrace Pet Insurance Customer Reviews (2022)
iHeartDogs surveyed our readers in 2022 about their experience with Embrace and other major pet health insurance plans.
Overall Embrace received a 4.4 out of 5 rating:
⭐⭐⭐⭐⭐ – Responsive, good customer service and as a bonus now affiliated with USAA which is great for those of us who are members of USAA. – Embrace Pet Insurance review by Chris, Midlothian
⭐⭐⭐⭐ – Pays quickly; app makes filing claims easy. Don’t like that have to jump thru hoops to read the policy document. – Embrace Pet Insurance review by Laura, Unknown
⭐⭐⭐⭐ – My dog got attacked by a pit bull causing $1110 in injuries.
The insurance paid within several days with no hassles or other delays. – Embrace Pet Insurance review by David, Ashburn
⭐⭐⭐⭐⭐ – I love how responsive they are and how quickly they pay a claim. I’ve had my dogs with them since 2006, their first year in business, and have never had a complaint. They cover genetic illnesses, and alternative medicine treatments in their regular accident and illness plan. Their premium rates doubled this year, but after reviewing other companies, they’re right in line with normal costs. – Embrace Pet Insurance review by Donna, Salisbury
[4] Lemonade Pet Insurance Customer Reviews (2022)
iHeartDogs created surveyed our readers in 2022 about their experience with Lemonade and other major pet insurance providers.
Overall Lemonade Pet Insurance received a 4.5 out of 5 rating:
⭐⭐⭐⭐⭐ – Very fast response – Lemonade review by James, Ashburn
⭐⭐⭐⭐ – Pretty simple site and easy to use. Customer service was fast last time I had a question – Lemonade review by JT, Moreno Valley
⭐⭐⭐⭐ – Haven’t had to make claim yet, but getting signed up was super fast and easy. Heard from a couple friends who used them and were happy – Lemonade review by Justin, Riverside
⭐⭐⭐⭐⭐ – Love that they also offer renter insurance, life insurance, car insurance, etc. Seems like a modern company, very easy to use – Lemonade review by Jennifer, Richmond
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