Pet Insurance | Top Rated Pet Health Insurance

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.


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		✗
Complimentary Care coverage		✗
Dental illness coverage		✗
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 **		✗
Pets covered internationally***		✗

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.

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

*Data and customer testimonials based on Q1 2025 Embrace Pet Insurance survey polling Embrace policyholders who previously had pet insurance with a different carrier.

**Proof of status is required after purchase. Military discount is not available in NY or TN.

*** Embrace offers coverage for your pet when you travel, even internationally, for up to 6 consecutive months

Comparison information is provided using publicly available information as of 09/02/2025 and is only meant to summarize program features, not a specific plan. Review each provider’s plan terms for more details. The descriptions of other providers’ plans were not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. Although we attempt to keep information up to date, it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by compliance@embracepetinsurance.com.

Embrace vs. Lemonade Pet Insurance