won’t stop emergencies, but it can stop the panic math. I went through the big names and here’s how I’d pick depending on your cat and your budget. 

Choosing pet insurance isn’t just about price it’s about peace of mind when your pup gets sick or injured. Embrace, Lemonade, and Pumpkin are three of the most talked‑about options right now, and each has its strengths and quirks. Here’s a clear, straightforward comparison so you can pick the one that fits your dog’s needs and your budget.

1. Monthly Cost Overview

Based on typical pet insurance quotes in 2025, here’s how the average premiums compare:

Pumpkin: Around $52/mo for dogs (mid‑range) and about $32 for cats.

Embrace: Around $50/mo for dogs and $30 for cats — similar to Pumpkin’s range.

Lemonade: Generally cheaper, with dog premiums around $45/mo and cats around $22 in many cases.

Bottom line: Lemonade usually wins on cost, especially for middle‑aged pets, while Embrace and Pumpkin sit a little higher on price.

2. Coverage & Features

Here’s how they differ on what’s covered and how policies work:

Embrace: Flexible & Comprehensive

Offers multiple deductible options (from $100 to $1,000) and wide range of annual limits, up to unlimited coverage.

Includes some dental illness and complementary therapies in standard plans benefits you won’t always find elsewhere.

Strong options for customizing coverage to your budget and needs.

Great for: Owners who want more choice and deeper coverage options without being locked into a one‑size‑fits‑all plan.

Lemonade: Affordable, App‑Powered Coverage

Known for lower premiums and flexible reimbursement levels (70–90%).

Generally offers no waiting period for accidents in most states, meaning new policies give immediate accident protection.

Includes a mobile app that simplifies quotes, claims, and policy changes.

Great for: Budget‑minded owners and folks who want easy claims and digital convenience.

Pumpkin: Strong Reimbursement with Simplicity

Flat 90% reimbursement rate across most plans easier to predict what you’ll get back.

Wider range of coverage limits, including unlimited options.

Generally higher premiums than Lemonade but often cheaper than Embrace when you compare similar coverage.

Great for: Owners who value simple reimbursement and solid basic coverage without too many bells and whistles.

3. Waiting Periods & Claim Experience

Lemonade often has no waiting period for accidents and short waits for illness, making it strong for immediate protection.

Embrace & Pumpkin typically have 14‑day waiting periods for accidents and illnesses.

Real‑world reviews vary: Lemonade claims processing is fast and convenient for many owners, though some report delays or denials in complex cases, while Pumpkin and Embrace are often praised for customer support but can have slower turnaround on larger claims (and price increases over time).

4. Customer Ratings

Here’s how customers generally feel:

Pumpkin: Very high user satisfaction strong reviews and good support scores.

Embrace: Good overall ratings but sometimes mixed comments about price increases.

Lemonade: Strong app and service feedback, though some users report tougher claim disputes.

5. Verdict: Which One Is “Best”?

Here’s a practical, no‑nonsense guide to helping you decide:

Best for Budget & Everyday Coverage: Lemonade

Lower premiums, no accident waiting period, easy digital claims perfect if cost and convenience are top priorities.

Best for Customizable, Comprehensive Protection: Embrace

More choices in deductibles and limits, plus deeper coverage options ideal if you want fine‑tuned control over your dog’s insurance policy.

Best for Straightforward, Predictable Reimbursement: Pumpkin

90% reimbursement and strong coverage make Pumpkin a solid mid‑range choice, especially if you prefer less complexity.

Final Takeaway

Raw feeding for cats has grown in popularity, with proponents claiming it’s healthier and closer to a cat’s natural diet. But is it really better — or just a trend? Let’s break it down.

What Raw Cat Food Means

Raw cat food typically includes uncooked meat, organs, and sometimes bones. It can be bought commercially or made at home, often with added supplements to ensure essential nutrients. The idea is to mimic what cats would naturally eat in the wild: high protein, moderate fat, and minimal carbohydrates.

Potential Benefits

Healthier Coat and Skin: Many cat owners notice shinier fur and softer skin.

Better Digestion: Some cats experience smaller, firmer stools and less bloating.

Dental Advantages: Chewing raw meat and bones can help reduce plaque and tartar buildup.

More Energy: High-quality protein can lead to increased vitality and lean muscle maintenance.

Potential Risks

Bacteria: Raw meat can carry pathogens like Salmonella or E. coli, which can affect both cats and humans.

Nutritional Gaps: Homemade raw diets can be unbalanced if supplements are missing. Cats need taurine, calcium, and other nutrients to stay healthy.

Choking Hazards: Bones (even raw ones) can pose risks if not properly prepared.

Cost & Prep Time: Raw feeding can be more expensive and requires careful handling and storage.

Expert Guidance

Veterinarians are cautious about raw feeding. Many recommend commercially balanced raw diets instead of homemade ones to reduce the risks of contamination or nutrient deficiency.

Tips for Safe Raw Feeding

Introduce raw food gradually to avoid digestive upset.

Always consult your veterinarian before switching diets.

Maintain strict hygiene: wash hands, utensils, and prep surfaces.

Observe your cat’s health, energy, and coat condition closely.

Bottom Line