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Discussion Starter · #1 ·
Hello!

After research and considerations, I feel it best to get pet insurance once I get my future dobe (though I WILL have a separate saving backup just in case). I looked into a number of em, and am deciding between 2, (90% cover, highest annual pay, $200-$250 deduct annual):

Embrace: which a thread here had good reviews: (my 2nd most likely to get)
Lemonade: Seemingly good reviews elsewhere, but can't find any mention here (#1 on my list for coverage and cost).

SO, since I couldn't find a mention here, I thought I'd ask: Does anyone here have Lemonade pet insurance? And how do you like it?

Thank you for any experience or advice you may share!
(One other I've seen spoken highly here, is Trupanion, but their rate is far beyond my budget)
 

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I think Lemonade is a very new insurance company, which is why there likely aren't a lot of reviews yet. You'll probably see good and bad reviews on almost any company that you pull up that has been in business for a while. The most important thing is to really, really understand the policy you're buying, and what it covers. I personally want to be sure a policy covers genetic/hereditary conditions, and to have coverage for prescription drugs. I have coverage through Embrace, with 90% reimbursement, and a $500 deductible. I've had very good experiences with them. I've not had issues with anything being covered and have prompt reimbursement on claims. Obviously, others may have had other experiences, but that's my personal experience.
 

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Discussion Starter · #3 ·
I think Lemonade is a very new insurance company, which is why there likely aren't a lot of reviews yet. You'll probably see good and bad reviews on almost any company that you pull up that has been in business for a while. The most important thing is to really, really understand the policy you're buying, and what it covers. I personally want to be sure a policy covers genetic/hereditary conditions, and to have coverage for prescription drugs. I have coverage through Embrace, with 90% reimbursement, and a $500 deductible. I've had very good experiences with them. I've not had issues with anything being covered and have prompt reimbursement on claims. Obviously, others may have had other experiences, but that's my personal experience.
Thank you very much for sharing! Agreed, they all have good and bad takes. Just narrowing down which appear to have the least bad takes, + seem worth taking the chance with 😊
 

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joie de vivre
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I don't know anything about Lemonade. I heard about it for the first time through an internet ad about a week ago. So, I can't provide any feedback on it.

But I also have Embrace for my Doberman and have been happy overall. Embrace provides good coverage (and I like that I can customize my policy) and great customer service. The only time I had an issue, Embrace's customer service was really excellent in taking care of it and it's been smooth sailing ever since.
 

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Big Lil pup
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I purchase McCoy's health insurance from Embrace. I also considered Trupanion, but chose Embrace for the reason Dobegal mentioned... They offer an annual deductible vs a per incident, which is simply a matter of choice.

A few things:

- Different insurance companies have different exclusions. Make sure that any policy that you pick covers the common health issues prevalent in the Doberman breed.For example: DCM, Bloat/Torsion and Wobblers. Different companies may also deal with "preexisting" conditions in slightly different fashions.

- I suggest that you actually speak (or chat live) with a company rep before you make a decision on both an insurer and a particular set of options. Insurance can be a bit more complicated that it initially appears, and it is best to have any and all questions answered upfront.

- Insurance premiums are not static and will most likely rise over the course of the dog's age. This occurs as the dog ages and veterinary costs in your area change/increase.

- It is best if you get your insurance ducks in a row as soon as your pup comes home. The sooner that you have an approved policy in place the less likely you will have to deal with a preexisting condition exclusion or denial.

Best to you

John Lichtwardt
Portland OR
 

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Discussion Starter · #7 ·
I purchase McCoy's health insurance from Embrace. I also considered Trupanion, but chose Embrace for the reason Dobegal mentioned... They offer an annual deductible vs a per incident, which is simply a matter of choice.

A few things:

- Different insurance companies have different exclusions. Make sure that any policy that you pick covers the common health issues prevalent in the Doberman breed.For example: DCM, Bloat/Torsion and Wobblers. Different companies may also deal with "preexisting" conditions in slightly different fashions.

- I suggest that you actually speak (or chat live) with a company rep before you make a decision on both an insurer and a particular set of options. Insurance can be a bit more complicated that it initially appears, and it is best to have any and all questions answered upfront.

- Insurance premiums are not static and will most likely rise over the course of the dog's age. This occurs as the dog ages and veterinary costs in your area change/increase.

- It is best if you get your insurance ducks in a row as soon as your pup comes home. The sooner that you have an approved policy in place the less likely you will have to deal with a preexisting condition exclusion or denial.

Best to you

John Lichtwardt
Portland OR
Thank you very much for sharing! Def already following ya mentions 😊 I spoke with Embrace, but not yet Lemonade. And I probably won't get pup till early next year (the breeder #1 on my short list only breeds once a year or so). But intend to know exactly who I'm going to long before pup is even born. I like to plan far ahead!
 

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While I don't personally use Lemonade (I have Pets Best), I recently had a friend's dog have a seizure after being prescribed a medication. The vet confirmed it was the medication, as it was isolated after stopping the medication. Lemonade refused to cover the incident (including the ER visit and care). They had some sort of clause and considered it pre-existing, which was wild to me. I've had to file a few claims and an ER visit with Pets Best since getting my pup in November, and while they take a little longer than other companies to reimburse, they've always approved my claims.
 
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