If you're a cat owner, you've probably experienced this struggle many times: when you look for something specifically for cats, you often only find options for dogs. Whether you've noticed it or not, think about it for a moment, and you'll realize that almost 90% of pet insurance advice given for cats is actually meant for dogs, and simply applied to cats as well. But there are significant differences between the health issues of dogs and cats, and these aren't covered by most companies. They simply apply the same policies and advice meant for dogs to cats. Issues specific to cats, such as dental disease (tooth resorption), chronic kidney disease (CKD), and urinary blockage, are often not addressed in this advice.
So now the biggest question is, do the big names in the market, like Lemonade and Embrace for Cats, truly focus on cats' specific needs? That's the main purpose of this blog post. Today, we'll compare Lemonade and Embrace for Cats and understand everything in detail.
Speaking of Lemonade, it's a good option for healthy, indoor cats. Its premiums are quite affordable, and they use AI technology in their claims process, which indicates a fast and modern approach. However, it has significant limitations regarding dental issues, a major problem for cats. Flexibility decreases considerably as cats age, and coverage for serious kidney disease is quite restricted. In short, if you have a healthy cat aged 2-3 years and want a low premium, Lemonade is certainly a good choice.
Similarly, Embrace focuses heavily on middle-aged and senior cats. It pays special attention to dental disease, and provides better support for kidney disease, whether normal or serious, at any stage. The entire process of getting and receiving coverage is quite easy and customizable. The only drawback is the premium, which is quite high. Ultimately, it depends on you; if your cats are entering their senior years, Embrace could be a great option to secure their future health.
Now, regarding what we mentioned earlier about dogs having more comprehensive coverage compared to cats, the reason is that dogs have a much higher chance of accidents and ACL tears, while these are almost non-existent in cats. Cats, however, are more prone to other illnesses, such as kidney, urinary, or dental problems.
Therefore, this comparison was made considering the health and risks associated with cats, rather than focusing on the rules and regulations for dogs.