Should I choose Pets Best, Lemonade or Embrace?
- This topic has 5 replies, 4 voices, and was last updated 7 months, 1 week ago by
.
-
Posts
-
-
-
-
@childlessdoglady I tried looking at the exclusions but it’s pretty overwhelming. I was hoping someone could help point out the main differences to me.
-
@Kimberly Alt I read some of your articles. Could you help explain the differences between these three companies?
-
I’d be happy to! Each of these pet insurance providers has unique features, pricing structures, and coverage options. Here’s a breakdown of Pets Best, Lemonade, and Embrace to help you compare:
1. Pets Best ???? – Full Review Here
✅ Best for: Affordable plans with customizable coverage and fast claims processing
???? Pricing: Competitive, often lower than many competitors
???? Coverage:- Accidents & illnesses
- Routine care (optional add-on)
- Covers dental illnesses
- No upper age limit for enrollment
- Covers curable pre-existing conditions that are healed or are curable and require no further treatment (e.g., broken legs, kennel cough, etc.)
- Accident-only plan is available for all enrollment ages
???? Claims Process: Averages 10 days (can pay vets directly in some cases)
???? Downsides:
- Some users report issues with claim denials or slow processing at times
- 6 month waiting periods for CCL injuries
- Coverage for exam fees and complementary care are add-ons
2. Lemonade ???????? – Full Review Here
✅ Best for: Fast, AI-driven claims processing with a user-friendly app
???? Pricing: Often one of the most affordable options, especially for younger pets
???? Coverage:- Accidents & illnesses
- Optional wellness add-ons for routine care
- Extremely customizable plans allowing you to more easily find something to fit your budget
- Covers curable pre-existing conditions that are considered cured after 1 year (chronic and knee-related conditions are exempt from coverage)
???? Claims Process: Averages 2 days (AI-driven, sometimes reimbursed within minutes)
???? Downsides:
- Limited availability (only in 38 states)
- Breed restrictions based on age
- 6 month waiting periods for CCL injuries
- Add ons for coverage included in other insurers’ base policies (e.g., behavioral therapies, complementary care, vet exam fees, dental illness)
3. Embrace ???????? – Full Review Here
✅ Best for: Comprehensive coverage, including alternative therapies & diminishing deductibles
???? Pricing: Moderate to high, but offers more extensive coverage
???? Coverage:- Accidents & illnesses
- Best dental coverage compared to Pets Best and Lemonade
- Covers curable pre-existing conditions as long as the pet goes symptom or treatment free for 1 year or more
- Complementary care is included at no extra fee
- Unique Feature: “Healthy Pet Deductible” (decreases by $50 each year you don’t file a claim)
???? Claims Process: Averages 5 days
???? Downsides:
- Prescription medication and vet exam fee coverage are add-ons
- More expensive than some competitors
- 6 month waiting periods for CCL injuries, hip dysplasia, IVDD and patellar luxation
- Doesn’t cover pets over 14 for illness plans (only accident-only coverage)
Which One Should You Choose? ????
- Go with Pets Best if you want an affordable plan with flexible options and a solid reputation.
- Go with Lemonade if you prefer a tech-savvy experience, low-cost plans, and fast claims.
- Go with Embrace if you want the most comprehensive coverage, including alternative therapies and detailed dental coverage.
You can compare them all side by side in my pet insurance comparison and get instant quotes from all three of them in this form.
-
I’ve personally had Pets Best for about 5 years now I have no complaints. In 2022, I filed my only claim, and the process was straightforward. They paid out as they said they would. I would not hesitate to use them again if I get another dog.
-
- You must be logged in to reply to this topic.