Both Embrace and Lemonade offer comprehensive pet insurance options with customizable plans and good customer service. Embrace stands out with its unlimited annual payout and inclusion of alternative therapies, while Lemonade offers shorter accident waiting periods in certain states and a user-friendly app. The best choice depends on individual needs and priorities, such as desired coverage limits, budget, and preferred customer service experience.
| Attribute | Embrace Pet Insurance | Lemonade Pet |
|---|---|---|
| Maximum annual payout limit | Ranges from $2,000 to Unlimited | $5,000, $10,000, $20,000, $50,000, or $100,000 |
| Deductible options | $100, $250, $500, $750, or $1,000 | $100, $250, $500, or $750 |
| Reimbursement percentage options | 70%, 80%, or 90% | 70%, 80%, or 90% |
| Coverage for hereditary and congenital conditions | Covered as long as the pet wasn't showing signs, and the condition wasn't diagnosed or suspected prior to enrollment or during the waiting period | Covered as long as they are not pre-existing and have not occurred during the waiting period |
| Waiting period for accidents | Generally 2 days | 2 days (0-day waiting period in AL, AR, CT, DC, GA, IL, IN, IA, MD, MS, NE, NH, NM, OH, SC, TX, UT, WA) |
| Waiting period for illnesses | 14 days | 14 days |
| Coverage for dental illnesses | Yes, up to $1,000 per policy year for conditions like periodontal disease, root canal surgery, and gingivitis | Supplemental coverage is available for the cost to diagnose and treat new dental illnesses up to $1,000 per year with an add-on. This includes tooth extractions, crowns, root canals, surgeries, and treatments related to periodontal disease. |
| Coverage for behavioral therapy | Yes | Optional coverage is available for an additional fee, with monetary coverage up to $1000 per year |
| Coverage for alternative therapies | Yes, including physiotherapy, acupuncture, hydrotherapy, and chiropractic care | Optional coverage is available for an additional fee |
| Preventative care options | Yes, through an optional Wellness Rewards program that reimburses for routine care like exams, vaccinations, flea/tick/heartworm prevention, spay/neuter, and grooming | Optional add-ons are available in three tiers: Preventative Care, Preventative+ Care, and Preventative Care For Puppies and Kittens |
| Age restrictions | Minimum age is 6 weeks. Maximum age for full accident and illness coverage is 14 years. Pets 15 and older are eligible for accident-only plans | Minimum age is 2 months; the maximum age depends on the breed. Coverage may not be available for some breeds after a certain age. |
| Customer service availability and responsiveness | Praised for responsive service. Available Monday-Friday 9 am – 8 pm ET, Saturday 10 am – 2 pm ET. Offers 24/7 Vet Chat | Customers appreciate the responsiveness of their customer service team. Customer support is available Monday - Friday: 9 am - 8 pm ET. Phone: 1-844-733-8666. Email: help@lemonade.com. |
| Price | Not available | Not available |
| Ratings | Not available | Not available |