Embrace vs. Lemonade Pet Insurance

Embrace vs Lemonade- An owner with her dog
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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 insuranceAccident & illness (Accident-only plan available)Accident & illness (NO Accident-only plan available)
Deductible options

5

4

24/7 pet telehealth support
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Complimentary Care coverage
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Dental illness coverage
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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 **
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Pets covered internationally***
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*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

Premiums are based on the current age of your pet. Premium may increase due to the age of your pet at renewal. Initial premiums may be impacted by the species or breed of your pet. Premium may change based on your home address.

Wellness Rewards is marketed and administered by Embrace Pet Insurance Agency, LLC. It is NOT INSURANCE and is not a regulated benefit. It is offered as an optional wellness membership plan. Your use of Wellness Rewards is based on an annual maximum. Your use of Wellness Rewards may result in liability for outstanding fees if you terminate your membership before the expiration of the 12-month membership period. Wellness Rewards is not available in RI. For full terms, visit https://www.embracepetinsurance.com/wellness-rewards-terms-of-service (c) 2025 American Modern Insurance Group, Inc.

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.

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