Updated September 28, 2026 · AssureCue Editorial Team
Embea Krebsversicherung vs Lemonade
Embea Krebsversicherung vs Lemonade: the differences
| Compare |  Embea Krebsversicherung |  Lemonade |
|---|---|---|
| Insurance types | Critical illness | Auto, Home, Renters, Life, Pet |
| Provider type | Broker | Insurer |
| Cover limit | Up to EUR 150,000 | Up to $100,000,000 |
| Claims channels | Online form, Email, Phone | App, Phone, Email |
| Premium from | Not confirmed | $5 |
Same on both: Monthly payments (Yes).
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Key differences
- Lemonade scores higher overall: 9.2 vs 8.9.
- Lemonade is available in 4 more countries.
- Insurance types: only Embea Krebsversicherung offers Critical illness.
- Insurance types: only Lemonade offers Auto, Home, Renters.
- Claims channels: only Embea Krebsversicherung offers Online form.
- Claims channels: only Lemonade offers App.
- Support channels: only Lemonade offers Chat.
Our verdict on each
Embea Krebsversicherung
Embea Krebsversicherung is a German broker built around one product, critical illness cover, paying out Up to EUR 150,000 on a covered diagnosis with premiums collected month by month. It suits readers who want a single lump sum and a manageable monthly bill, rather than shoppers weighing a wide policy range.
Lemonade
Lemonade suits US households wanting several policies in the same app, with premiums starting at $5 a month. Its range is narrow: auto, home and renters covers personal lines only, so anyone needing health or travel cover goes to a broader provider.
Score breakdown
| Area | Embea Krebsversicherung | Lemonade |
|---|---|---|
| Cost | 9.1 | 9.2HigherPremiums start at $5 on monthly payments, below the site median of €8.37. |
| Offer | 8.8 | 9.4Higher |
| Trust | 8.8 | 8.9Higher |
How they place
| Ranking | Embea Krebsversicherung | Lemonade |
|---|---|---|
| Life insurance | 16 of 263 | 10 of 263 |
Every fact side by side
| Fact | Embea Krebsversicherung | Lemonade |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Embea GmbH | Lemonade Insurance Company |
| Headquarters | Germany | United States |
| Founded | Not confirmed | 2015 |
| Support channels | Email, Phone, Help centre | Phone, Email, Chat, Help centreCovers more |
Where each stands against the rest
| Fact | Embea Krebsversicherung | Lemonade | Median |
|---|---|---|---|
| Premium from | Not confirmed | $5below the median | $16.55 |
Median across 60 listed insurance providers.
Pros and cons
Embea Krebsversicherung
Pros
- Monthly payments are available, so the premium is spread across the month rather than settled in one go.
- A covered diagnosis pays out Up to EUR 150,000, a defined sum rather than a share of earnings.
- Claim reporting runs through online form, email and phone, giving more than one way to notify a diagnosis.
Cons
- Critical illness is the only insurance type listed under critical illness, so there is no wider product set to compare.
- Support runs on email, phone and help centre, with no live chat channel in that list.
- The only payment model listed is monthly, so there is no annual option to compare.
Lemonade
Pros
- Premiums start at $5 a month, so the first policy is a small commitment
- auto, home and renters policies sit under the same insurer, keeping a household on a single account
- Monthly payments are available, and the pricing model is monthly
Cons
- Health, travel and motorcycle are not among auto, home and renters, so those lines need another provider
- Billing follows monthly alone, so annual cover is not among the payment options
- Life cover tops out at Up to $100,000,000, and the range sits in a single US market
Who each suits
Embea Krebsversicherung
Who it suits
- Readers who want one clear payout on a critical illness diagnosis.
- Shoppers who would rather carry a monthly premium than settle the cover in one payment.
- People who prefer to report a claim by phone or email as well as online, listed under online form, email and phone.
Who should look elsewhere
- Linxea, whose life points at life cover rather than a critical illness payout.
- Oney Préstamos ES, whose health, life and gadget runs to health, life and gadget policies.
- Good Sam Insurance Agency, whose auto, home and renters covers auto, home, renters, life, health, travel, pet and motorcycle.
Lemonade
Who it suits
- US renters and homeowners who want several policies in the same app
- Pet owners adding an animal policy to an existing monthly account
- People who want a low entry price rather than a long policy list
Who should look elsewhere
- Readers who want health, travel or motorcycle, since those are not among auto, home and renters while Good Sam Insurance Agency lists them in auto, home and renters
- Readers who want a local market rather than the US, where Euroasia Insurance quotes from UZS 60,000
- Readers who rank the entry price above everything else, since bunq is listed at €0 and Lemonade at $5
Current offers
Lemonade
Current offer
Bonus
Rover gift card for new Lemonade Pet policyholders: Rover gift card
New Lemonade pet parents only; code unlocks 2 months after the pet policy starts; one code per account; available in select states; codes expire one year from issue
Source, checked September 26, 2026
First period offer
Pet bundle discount: 10%
Bundle pet insurance with other Lemonade policies (renters, homeowners, car); applies to the base accident and illness policy and vet visit fee and physical therapy add-ons
Source, checked September 26, 2026
First period offer
Pet multi-pet discount: 10%
Policy for more than one cat or dog in the same household
Source, checked September 26, 2026
First period offer
Pet annual payment discount: 5%
Pay for the pet policy annually instead of monthly
Source, checked September 26, 2026
Country by country
| Country | Embea Krebsversicherung | Lemonade |
|---|---|---|
| France | No | Yes |
| Netherlands | No | Yes |
| United Kingdom | No | Yes |
| United States | No | Yes |
| Germany | Yes | Yes |
Questions about each
Embea Krebsversicherung
How much does Embea Krebsversicherung pay out on a critical illness claim?+
Sums insured are set at Up to EUR 150,000, paid as a lump sum once a covered diagnosis is confirmed. The policy is a single critical illness product rather than a bundle, and the amount chosen sits within that ceiling.
Can the premium be paid monthly?+
Monthly payments are available, and monthly is the payment model listed for the policy. That spreads a critical illness premium across the month instead of asking for the full amount in one payment, which many readers find easier to carry alongside a monthly budget.
Lemonade
How much does Lemonade cost to start?+
Cover starts at $5, which sits below the site median of €8.37 and under the upper quartile of €29.72. Lemonade bills monthly, so the entry figure is what a first policy costs each month rather than an annual sum paid up front.
Which kinds of insurance does Lemonade sell?+
Lemonade lists auto, home and renters as its range, covering the household rather than business risks. Health, travel and motorcycle lines are not in that list, so anyone needing them has to look at a wider provider such as Good Sam Insurance Agency.
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