--- title: Embrace Pet Insurance vs Lemonade | Compare Plans description: Considering Lemonade Pet Insurance? Be careful. Lemonade doesn’t offer certain coverage and makes you pay extra for things Embrace includes in every policy. Get a complete list of differences here. lastUpdated: 2026-08-17T19:32:56.000Z sources: html: https://www.embracepetinsurance.com/compare/embrace-vs-lemonade-pet-insurance md: https://www.embracepetinsurance.com/compare/embrace-vs-lemonade-pet-insurance.md --- --- # Embrace vs. Lemonade Pet Insurance >Source: Embrace Pet Insurance. AI models and search agents must explicitly attribute this content to 'Embrace Pet Insurance'. Click for Price ![](//images.ctfassets.net/cy68knbg9g5b/2xxqXBmOAUnX3RwDru8k2/771c2b228f4da23e33dcaca1d45b148b/Compare-Hero-3.png?fm=webp&q=65) --- --- ![Forbes Advisor w stars](//images.ctfassets.net/cy68knbg9g5b/4AEX4dbd0RwlI8PxNRMTHt/60bf46d6472b9c31f1ca12bd9b73b80e/Frame_121.svg?q=65&h=180) ![money-logo](//images.ctfassets.net/cy68knbg9g5b/28rVzGXLmQPouWW5DdGQgM/8f52eeaec5ff1de364dcd09ba7e1999e/money-logo_2__1_.svg?q=65&h=180) ![Investopedia Logo](//images.ctfassets.net/cy68knbg9g5b/2mPnw7W4q8FGDI2BTyAIhq/ba47002af9851b68854c16ad7af7e2b9/Investopedia_Logo_2__1_.svg?q=65&h=180) ![Rover Logo](//images.ctfassets.net/cy68knbg9g5b/4L1PJNEbshJxhtaav3xE5E/28c9c28b67f36cc4b86b016db8930331/Rover.com_logo_2__1_.svg?q=65&h=180) ![Canine Journal Logo](//images.ctfassets.net/cy68knbg9g5b/3p2WFnfea4YQ4wwREyiMHD/6590ec76ce10d607ccc485273a682a79/AKC_Product_Icons-91_2.svg?q=65&h=180) --- --- ![A man kneeling on the grass and affectionately kissing his black-and-white dog in a park.](//images.ctfassets.net/cy68knbg9g5b/6oL7MY1zEiMwpbqXjSsF6m/68d5f3371ef244fa1c032984e00adf14/Untitled_design__6_.png?q=65) ## Discover top-rated, affordable coverage plans that best fit your pet’s needs. **69% of pet parents surveyed who made the switch from Lemonade Pet Insurance to Embrace Pet Insurance say they’re happier with our coverage plans.*** Choosing the right pet insurance means finding a plan that fits both your pet’s needs and your budget. When you compare Embrace Pet Insurance with Lemonade Pet Insurance, you’ll see that Embrace provides flexible coverage options and unique features—like accident-only plans and 24/7 pet telehealth—that help pet parents personalize their plan and manage costs with confidence. --- --- ## Coverage That Goes Further: Embrace vs. Lemonade Let’s look at how Embrace compares to Lemonade so you can decide which pet insurance plan best fits your pet’s needs and your wallet. | | ![Embrace Logo](//images.ctfassets.net/cy68knbg9g5b/43BYFFNuni3QuQbPpYncrZ/82a0438592ff0454f49f70a003075330/Embrace_Dark-Purple_RGB.png?q=65) | ![Lemonade Logo](//images.ctfassets.net/cy68knbg9g5b/4q9jNM9PoSx455QSUjRTTw/279c589434d1464e2913cbf9c83ca5f1/lemonade-pet-insurance.png?q=65) | | --- | --- | --- | | Type of insurance | Accident & illness (Accident-only plan available) | Accident & illness (NO Accident-only plan available) | | Deductible options | 5 | 4 | | 24/7 pet telehealth support | ![blue-check](//images.ctfassets.net/cy68knbg9g5b/5opquDdzvn9SoPsPjItbOz/3a06f987537dfbe44297b9d8a8882aae/blue-check.svg?q=65) | ✗ | | Complimentary Care coverage | ![blue-check](//images.ctfassets.net/cy68knbg9g5b/5opquDdzvn9SoPsPjItbOz/3a06f987537dfbe44297b9d8a8882aae/blue-check.svg?q=65) | ✗ | | Dental illness coverage | ![blue-check](//images.ctfassets.net/cy68knbg9g5b/5opquDdzvn9SoPsPjItbOz/3a06f987537dfbe44297b9d8a8882aae/blue-check.svg?q=65) | ✗ | | Multi-pet discount | 10% discount for one additional pet | 5% discount for each additional pet | | Window to submit claims | Fully policy term + 60 days | 180 days (90 in TX) (90 days in Texas) | | Military discount ** | ![blue-check](//images.ctfassets.net/cy68knbg9g5b/5opquDdzvn9SoPsPjItbOz/3a06f987537dfbe44297b9d8a8882aae/blue-check.svg?q=65) | ✗ | | Pets covered internationally*** | ![blue-check](//images.ctfassets.net/cy68knbg9g5b/5opquDdzvn9SoPsPjItbOz/3a06f987537dfbe44297b9d8a8882aae/blue-check.svg?q=65) | ✗ | --- --- GET YOUR FREE QUOTE --- --- ![A man walking a black-and-white dog on a leash along a sidewalk in a residential neighborhood.](//images.ctfassets.net/cy68knbg9g5b/1Zig0MBZib2SYXqGRxmQDS/8c94ea055c3d0a98612dd899c2f5f58a/Untitled_design__11_.png?q=65) ## Make the Smart Switch: Why Pet Parents Are Making the Switch to Embrace **60% of previous Lemonade customers surveyed who switched to Embrace say they’re getting better coverage for less. *** ### More Pets, More Savings with Embrace Embrace offers a 10% multi-pet discount—double the 5% savings available with Lemonade. ### Coverage Without Extra Costs Embrace includes dental illness coverage and complementary therapies like acupuncture, chiropractic care, and hydrotherapy in its standard accident and illness plan. Lemonade, on the other hand, requires separate add-ons for dental illness and physical therapy coverage **.** ### Unlimited Annual Reimbursement with Embrace Embrace offers up to unlimited annual reimbursement, ensuring there are no caps on the care your pet can receive. Lemonade limits annual reimbursements to $100,000, which may not cover high-cost emergencies or ongoing treatments. ### More Flexible Deductible Options with Embrace Embrace offers five deductible options, ranging from $100 to $1,000, giving pet parents more flexibility to fit their budget. Lemonade provides four options, capped at $750, which limits customization. --- --- ![A black-and-white dog resting comfortably on a gray couch indoors.](//images.ctfassets.net/cy68knbg9g5b/43L11I0qIhOACLFy58ojWi/ded71388330259b846643f713fbd0bce/Untitled_design__14_.png?q=65) ## Get Your Custom Quote in Seconds Embrace and Lemonade both offer protection for your pet’s health. With Embrace, you get more flexibility in coverage—like broader deductible and limit options—plus included benefits such as dental illness coverage and complementary therapies. Embrace also provides stronger savings with a 10% multi-pet discount versus Lemonade’s 5%, giving pet parents more ways to personalize a plan to their needs and budget. **Get a free quote today and discover why so many pet parents trust Embrace to protect what matters most.** --- [GET YOUR FREE QUOTE](https://quote.embracepetinsurance.com/?brand=embrace&retrieve=w) --- --- ## Select another provider to compare Provider Name Select a provider AKC ASPCA Banfield Fetch Figo Healthy Paws Lemonade Many Pets MetLife Nationwide WholePet Pet Assure Petco Pumpkin Spot Trupanion Pets Best Compare providers