Lemonade vs Embrace: which should you pick?
Embrace wins for pets with history and low-claim owners: it re-covers curable pre-existing conditions after 12 clean months (Lemonade offers a similar path in most states but bars knee and ligament conditions from it), its deductible drops $50 per claim-free year, and Wellness Rewards funds even grooming and nutrition consults. Lemonade wins on price (illustrative $28/mo for a dog versus $41/mo) and score (9.0 vs 8.8 for dogs, 9.2 vs 8.7 for cats).
Get a Lemonade quote
Lemonade is the one insurer on this site we can send you to for a live quote. That does not make it the right plan for every pet. As of August 2026, Lemonade Pet is not available in Alaska, Idaho, Kansas, Kentucky, South Dakota, Vermont, West Virginia, or Wyoming.
Some links here are partner links. If you buy through one, the insurer may pay us a fee. It never changes your premium and it never changes a ranking.
Get a quote from LemonadeThe exclusions cheat sheet
One page, all 8 insurers: every waiting period, annual cap and excluded condition, in plain English. We email it as soon as you join.
Pre-existing handling compared
Both re-cover curable conditions after 12 consecutive symptom-free months, and both permanently exclude chronic ones. The documented difference is scope: our review data bars knee or ligament conditions from Lemonade’s path, while Embrace’s published language centers on the curable versus chronic line.
For a pet with an old ear infection or single bout of vomiting on file, that distinction can decide which insurer will ever pay for related care again.
Wellness and orthopedics
Embrace’s Wellness Rewards gives a $250 or $450 annual allowance including grooming and nutrition consults; Lemonade sells a cheaper wellness add-on (about $5/mo) plus separate pieces for dental illness, behavioral conditions, physical therapy and vet visit fees.
On joints: both hold cruciate events 6 months, but Embrace cuts its orthopedic wait to 14 days if a vet exam is submitted in your first two weeks, an option Lemonade does not document.
Related questions
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The Advisor ranks the eight reviewed plans from nine questions. Some links on WhichPetPlan (currently Lemonade) may earn a fee; it never changes the premium and never changes a ranking. The Advisor stays an unpaid ranking, not a quote form.
Start the AdvisorSome links (currently Lemonade) may earn a fee; it never changes the premium and never changes a ranking. Other insurers listed here do not pay us. Premium figures are illustrative starting estimates, not quotes. See our methodology for how scores are set.