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Embrace Pet Insurance vs Lemonade

Embrace Pet Insurance logo

Embrace Pet Insurance

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Lemonade logo

Lemonade

Full profile
Pet insuranceLast verified Sep 30, 2026
Verified facts for Embrace Pet Insurance and Lemonade, side by side
FieldEmbrace Pet InsuranceLemonade
FoundedUnknown on one sideNot verified2015Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
HeadquartersUnknown on one sideNot verifiedNew York, New YorkSource: Lemonadeverified 2026-09-30
Insurance productsDiffers
  • pet
Source: Embrace Pet Insuranceverified 2026-09-30
  • auto
  • homeowners
  • renters
  • life
  • pet
Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
Underwritten byDiffersAmerican Modern Insurance Group, Inc. licensed insurers, including American Modern Home Insurance Company (d/b/a American Modern Insurance Company in CA) and American Southern Home Insurance Company; administered by Embrace Pet Insurance Agency, LLCSource: Embrace Pet Insuranceverified 2026-09-30Legal & General Group (term life, via partnership)Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
States availableDiffers
  • AL
  • AK
  • AZ
  • AR
  • CA
  • CO
  • CT
  • DE
  • DC
  • FL
  • GA
  • HI
  • ID
  • IL
  • IN
  • IA
  • KS
  • KY
  • LA
  • ME
  • MD
  • MA
  • MI
  • MN
  • MS
  • MO
  • MT
  • NE
  • NV
  • NH
  • NJ
  • NM
  • NY
  • NC
  • ND
  • OH
  • OK
  • OR
  • PA
  • RI
  • SC
  • SD
  • TN
  • TX
  • UT
  • VT
  • VA
  • WA
  • WV
  • WI
  • WY
Source: Embrace Pet Insuranceverified 2026-09-30		Licensed in 50 states and Washington, D.C.; operating in 41 of those states and Washington, D.C. as of December 31, 2025Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
States available, petUnknown on one sideNot verified
  • AL
  • AZ
  • AR
  • CA
  • CO
  • CT
  • DE
  • DC
  • FL
  • GA
  • HI
  • IL
  • IN
  • IA
  • KY
  • LA
  • ME
  • MD
  • MA
  • MI
  • MN
  • MS
  • MO
  • MT
  • NE
  • NV
  • NH
  • NJ
  • NM
  • NY
  • NC
  • ND
  • OH
  • OK
  • OR
  • PA
  • RI
  • SC
  • TN
  • TX
  • UT
  • VA
  • WA
  • WI
Source: Lemonadeverified 2026-09-30
Coverage typesDiffers
  • Illnesses & Conditions
  • Accidents & Injuries
  • Dental Disease
Source: Embrace Pet Insuranceverified 2026-09-30
  • personal property
  • crime and vandalism coverage
  • water damage coverage
  • fire and smoke protection
  • liability coverage
  • medical expenses
  • loss of use coverage
Source: Lemonadeverified 2026-09-30
Reimbursement optionsUnknown on one sidePolicyholder chooses a reimbursement level, up to 90% back on eligible vet billsSource: Embrace Pet Insuranceverified 2026-09-30Not verified
Deductible optionsUnknown on one sideAnnual deductible, chosen by the policyholderSource: Embrace Pet Insuranceverified 2026-09-30Not verified
Waiting periodsDiffers
  • 14 days for illnesses
  • Accident coverage begins on the policy effective date
  • Orthopedic waiting period applies in some states and varies by state
Source: Embrace Pet Insuranceverified 2026-09-30
  • 2 days for accidents
  • 14 days for illnesses
  • 30 days for orthopedic conditions
  • 6 months for cruciate ligament events
Source: Lemonadeverified 2026-09-30
Pre-existing condition definitionUnknown on one sideAny injury, illness, or irregularity noticed by the owner or veterinarian before the end of the waiting period, even if the pet was never seen by a veterinarian for itSource: Embrace Pet Insuranceverified 2026-09-30Not verified
How to get a quoteDiffers
  • online
  • phone
Source: Embrace Pet Insuranceverified 2026-09-30
  • online
  • mobile app
Source: Lemonadeverified 2026-09-30
How to file a claimDiffers
  • website
  • mobile app
  • email
  • fax
  • physical mail
Source: Embrace Pet Insuranceverified 2026-09-30
  • mobile app
Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
Customer service channelsDiffers
  • online account
  • mobile app
  • phone
  • fax
  • help center
Source: Embrace Pet Insuranceverified 2026-09-30
  • mobile app
  • website
Source: Lemonadeverified 2026-09-30
Notable limitationsDiffers
  • Pre-existing conditions
  • Breeding, whelping, or pregnancy
  • DNA testing or cloning
  • Deliberate injury by you or anyone in your household
  • Injury or illness from fighting, racing, cruelty, or neglect
  • Cosmetic procedures such as tail docking, ear cropping, and dew claw removal unless medically necessary
  • Avian flu or nuclear war
  • Routine veterinary care (like wellness checkup exam fees)
Source: Embrace Pet Insuranceverified 2026-09-30
  • Pet policies do not cover pre-existing conditions, dental care, elective surgeries not related to an accident/illness, or anything resulting from the policyholder's neglect
  • Renters and homeowners policies do not cover dog bites if the dog has a history of biting or is categorized as high-risk
Source: Lemonadeverified 2026-09-30
Financial strength ratingsDiffersA.M. Best rates American Modern A+ SuperiorSource: Embrace Pet Insuranceverified 2026-09-30Demotech, Inc. Financial Stability Rating of A Exceptional for Lemonade Insurance CompanySource: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30

Both companies write pet insurance. Of the fields we have verified for either company, 10 differ and 6 are unverified on at least one side. We do not pick a winner and we do not score either company.

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