See Full Review »Īpp Available Yes Summary: Lemonade pet insurance is not available in every state. The policy’s annual deductible options range from $100 to $1,000. Reimbursement rate options are 70%, 80%, and 90%. Customizations: Customers can choose between annual coverage limits of $5,000, $8,000, $10,000, and $15,000 with the accident and illness plan, or choose a policy with no limit. Embrace’s base policies don’t offer coverage for routine care, but the company’s Wellness Rewards Plan has three different levels of coverage for preventive tests and procedures: $250, $450, or $650 per year. The company does not cover preexisting conditions. Coverage and costs: Embrace has one of the cheapest sample rates for dogs among pet insurers in our study: $29.71 per month. Features of the company’s policies include the Healthy Pet Deductible, which reduces deductibles by $50 for each year a policyholder is not reimbursed for a claim. Embrace policies are available in all states. ![]() It has a waiting period of 48 hours for accidents and 14 days for illnesses. See Full Review »Īpp Available Yes Summary: Embrace has an accident-only plan and a plan that covers both accidents and illnesses. Wellness coverage is available as an add-on to the company’s base policies. Annual benefit limits range from $2,500 to unlimited for some plans. Customizations: Customers who purchase an accident-and-illness policy can choose between annual deductibles that range from $50 to $1,000, and reimbursement rates from 70% to 90%. Pets Best has the cheapest sample rate for dog insurance in our study, $26.51 per month. Like most insurers, Pets Best does not cover preexisting conditions. Cancer and hereditary conditions are among the illnesses covered by its accident-and-illness plan. Coverage and costs: Pets Best has multiple accident-and-illness plans, as well as a plan that covers accidents only. ![]() It has shorter waiting periods than some competitors: 3 days for accidents and 14 days for illnesses. 1 in our rating of the Best Pet Insurance Companies of 2023, offers coverage in all 50 states. App Available Yes Summary: Pets Best sells policies that cover accidents and illnesses as well as a plan that just covers accidents.
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