Embrace vs Lemonade
Embrace gives you more without charging more
 | Lemonade |
|---|---|
Accident & illness, with an accident-only plan available. | Accident & illness only — no accident-only plan. |
Choose your annual deductible - $200, $300, $500, $750, or $1,000. More flexibility to fit your budget. | Four options, capped at $750. |
Full policy term + 60 days. | 180 days (90 days in Texas). |
Included in all standard plans. Up to $1000 annually covered for fractured teeth, extractions, periodontal disease, standard on every accident & illness policy — no dental exam required.¹ | Separate add-on required. |
Treatments like acupuncture, hydrotherapy, rehabilitation, chiropractic therapy and behavioral therapy are covered in our standard accident & illness plan when performed by a licensed veterinarian. | Separate paid add-on required. |
Get 10% off when you add another dog or cat to your plan. | 5% for an additional pet on eligible plans. |
Included with every plan. Call or text with pet experts 365 days a year, any time of day or night, for free. | No access to telehealth help between midnight until 6 am, so a late-night emergency means you're on your own. |
Embrace is available in all 50 states, so coverage for pre-existing conditions doesn't stop when you move. | Only offered in 42 states, so you could lose coverage for a pre-existing condition if you move. |
Travel with your pet is covered for up to 6 consecutive months per trip. | Any veterinary care received outside of the United States is not covered. |
| Plan features |  | Lemonade |
|---|---|---|
| Type of insurance | Accident & illness, with an accident-only plan available. | Accident & illness only — no accident-only plan. |
| Deductible options | Choose your annual deductible - $200, $300, $500, $750, or $1,000. More flexibility to fit your budget. | Four options, capped at $750. |
| Window to submit claims | Full policy term + 60 days. | 180 days (90 days in Texas). |
| Dental illness coverage | Included in all standard plans. Up to $1000 annually covered for fractured teeth, extractions, periodontal disease, standard on every accident & illness policy — no dental exam required.¹ | Separate add-on required. |
| Acupuncture and rehab coverage | Treatments like acupuncture, hydrotherapy, rehabilitation, chiropractic therapy and behavioral therapy are covered in our standard accident & illness plan when performed by a licensed veterinarian. | Separate paid add-on required. |
| Multi-pet discount | Get 10% off when you add another dog or cat to your plan. | 5% for an additional pet on eligible plans. |
| 24/7 pet telehealth support | Included with every plan. Call or text with pet experts 365 days a year, any time of day or night, for free. | No access to telehealth help between midnight until 6 am, so a late-night emergency means you're on your own. |
| Domestic availability | Embrace is available in all 50 states, so coverage for pre-existing conditions doesn't stop when you move. | Only offered in 42 states, so you could lose coverage for a pre-existing condition if you move. |
| International coverage | Travel with your pet is covered for up to 6 consecutive months per trip. | Any veterinary care received outside of the United States is not covered. |
| Get your quote |
At Embrace, we’re pet insurance experts – it’s all we do
Unlike some other pet insurance companies, Embrace is a single line insurance carrier. What does that mean? It means we know pets because that’s all we insure. They are our only focus, making us experts in the field with a deep understanding of your pet’s needs.
With Embrace, treatments like acupuncture and rehab are standard in every plan
You don’t pay extra for treatments like acupuncture, hydrotherapy, rehabilitation, chiropractic therapy and behavioral therapy with Embrace – they are all included.
Let’s get your pet covered
30-day money-back guarantee*
10% multi-pet discount**
No obligation, see your price in just 2 minutes
Where Embrace wins over Lemonade
Lemonade is not available in all 50 states
No matter where you move, you’re covered with Embrace because your policy moves with you - staying active in all 50 states.
Lemonade is only available in 42 states, which means you could lose coverage for some pre-existing conditions if you move to a different state. So a previously covered ailment like diabetes is no longer eligible for coverage with a new insurer.Lemonade limits coverage to the United States
There are no geographical limits with Embrace because international travel with your pet is covered for up to six consecutive months per trip. So, wherever you and your pet go, travel easy knowing you’re fully covered.
Lemonade doesn’t cover any veterinary treatments or care received outside of the United States.Embrace offers more coverage without more costs
Embrace includes dental illness coverage and complementary therapies such as acupuncture, chiropractic care and hydrotherapy in its standard accident and illness plan. No extra fee, no rider to remember, just the best care for your pet.
Lemonade requires separate add-ons for dental illness and physical therapy, so the plan that looks cheaper at sign-up often isn't once you put it into practice.Embrace gives you 24/7 access to telehealth vet care – for free
No matter when your pet gets sick or injured, Embrace makes sure you can reach a qualified Pet Pro any hour of the day — nights, weekends and holidays included, at no extra cost.
Lemonade doesn't offer round-the-clock access to a telehealth vet (unavailable between 12 am – 6 am), so a late-night emergency waits until morning.Embrace has more flexible deductible options
No two pets are alike, and neither are pet owner budgets. That’s why Embrace offers five deductible options from $100 to $1,000, giving you real room to balance your premium against out-of-pocket cost.
Lemonade is more limited with only four deductible options and are capped at $750.
Disclosures
Comparison information is provided using publicly available information as of Septmber 30th, 2026 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 emailing compliance@embracepetinsurance.com
¹ Pre-policy exam required to rule out pre-existing conditions.
*Assuming no claims have been filed
** NY and WA residents receive 5% (not 10%)