Should I choose Pets Best, Lemonade or Embrace?

[SillyGoose]

I got quotes and Pets Best, Lemonade and Embrace have the best pricing for my dog. How do I know which one to go with?

 

[childlessdoglady]

Did you read the fine print and/or look at exclusions and waiting periods? That could be a factor to consider. Also how quickly do you need reimbursement? Embrace is known for quick turn around to get you paid back for vet bills if that's important to you!

 

[SillyGoose]

@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.

 

[SillyGoose]

@Kimberly Alt I read some of your articles. Could you help explain the differences between these three companies?

 

[Kimberly Alt]

I'd be happy to! Here are some key differences:

• Pets Best
  • longer claim processing on average than Lemonade and Embrace
  • accident-only plan available
  • excellent dental coverage
• Lemonade
  • only available in 37 states and DC
  • uses AI to process 50% of claims instantly
  • must add on coverage for items included in Pets Best and Embrace's base plan
• Embrace
  • excellent dental coverage

You can compare them all side by side in my pet insurance comparison.

 

[Jeff Butler]

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.