Compare Embrace vs. Healthy Paws Pet Insurance
What’s the difference between Embrace Pet Insurance and Healthy Paws Pet Insurance? See how our editors compare the two companies below.
Last Updated: April 18, 2024
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Key Facts
- Unlimited reimbursement, use at any vet
- Covers illnesses, conditions & accidents
- Add on dental insurance & prescription coverage
- Optional wellness plan for routine check-ups, grooming & training costs
- No enrollment or administrative fees
- Accidents, illnesses & emergency care
- Most claims are processed within 2 days
- Flexible premium & deductible options
OVERALL RATINGS
| Embrace | Healthy Paws | |
|---|---|---|
| Coverage | 5.0/5 | 3.5/5 |
| Cost | 4.5/5 | 4.0/5 |
| Extras | 4.5/5 | 4.0/5 |
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Healthy Paws
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Healthy Paws
Final Verdict
Embrace Pet Insurance has a higher overall rating than Healthy Paws Pet Insurance. Embrace scores better than Healthy Paws across: Coverage, Reimbursement, Cost, and Extras. However, Healthy Paws scores better on Benefit Limits. Both companies score similarly on Deductibles, Reviews, and Enrollment.
Customer Comments & Reviews
Healthy Paws Pet Insurance review
I have been a Healthy Paws customer for more than 10 years. One of my dogs recently went through cancer treatment, and Healthy Paws' quick reimbursements made the "journey" easier and saved me so much money.
If you sign up for direct deposit (instead of having checks mailed to you), the wait from filing a claim to reimbursement is less than a week. Whenever I have experienced a delay, it's been due to one the following:
1) My invoice was incorrect -- for instance, the bill for a medication purchased on Chewy.com should be the one entitled "Final Details," not just "Details," because "Final Details" includes any discounts. (Once when I submitted "Details," Healthy Paws sent me an email asking me to submit an invoice with my claim, so I was very confused. Understandably, there are many types of bill headings, but the email could have been clearer. I had to call to find out what was wrong.)
2) Paperwork was incomplete -- always provide every page, even if the last page merely shows that you have a zero balance at the vet's office.
3) The claim needed medical records -- ask your vet for a pdf of the relevant medical notes so that you can attach them to your claim. After Healthy Paws knows about a pet's condition, you don't need to continue providing records regarding, say, the monthly medication.
The Healthy Paws' website is easy to navigate, so look at the list of plan exclusions and how reimbursements are calculated because it differs from human medical plans. I recommend calling to ask questions because the reps are helpful.
No insurance is perfect because a pet owner wants low premiums with full coverage. But, whenever I experience unexpected vet visits, I am always thankful that I have Healthy Paws. You never want to delay or avoid treating your pet just because you don't have insurance.
Healthy Paws Pet Insurance review
I would have never thought that dealing with an insurance company would be easy, yet Healthy Paws has completely proven that wrong. When we adopted our dog at 6 months old, the first thing I did was research all the Pet Insurance companies out there. After a lot of research, I landed on Healthy Paws and I'm so glad I did. My pup has had some random issues pop up here and there that without Insurance would cost me and arm and a leg. With Healthy Paws, I submit the claim, and typically within 2 days, 80% of what's covered is back in my bank account. They have been such a lifesaver and on top of it, they are all so nice. When my dog got ACL surgery, I got an email just checking in on him to see how he's recovering. Couldn't recommend another Pet Insurance company more than Healthy Paws.
Embrace Pet Insurance review
I love Embrace. Indeed, my dog had an unexpected surgery after a complication from being neutered, at the same time that I had back surgery. Both surgeries were successful, but reimbursement from Embrace was a breeze, while dealing with my insurance company, not so much. Thankfully, I now have Medicare, but I recall sending a note to Embrace saying my only disappointment was that they didn't insure people. I would never go without insurance from Embrace for my dog. It just makes fet decisions so easy. Do what is best for the dog and don't worry about paying.
Embrace Pet Insurance review
We’ve had Embrace for four years, never had a claim denied and every time we’ve submitted a claim it has been processed and any money coming back to us has been in our bank account within less than 5 business days. We love it!
Embrace Pet Insurance review
I have 2 10yr old Labs. Embrace has covered all things they have said they would withing the guidelines of the policy. They went out of their way to get my pups medical history and any additional information from the vets office. I don't know if the have the best overall coverage but i'm very happy with the coverage I have and the customer service that I receive. I absolutely recommend Embrace. And no, I have nothing to do with the company other than them being my chosen canine insurer.
Have a blessed day
Embrace Pet Insurance review
Review regarding online quoting system:
+ allows for seemingly every modification to the quote you would like to make
+ doesn't appear to have a one time administrative fee
+ definitely the best quoting site for pet insurance I've found so far
Healthy Paws Pet Insurance review
Regarding the online quoting system
+ let me include multiple pets on same quote
- can't figure out how to pay an annual amount rather than monthly
- they add $25 to the first payment for account set up =deal breaker
Healthy Paws Pet Insurance review
I've not actually had my pets covered under this insurer, but they are among the ones I obtained quotes from while shopping around. I have 2 cats; a 4 yr old male & a 12 yr old female. The female is actually in better health than the male, with his frequent UTIs, however because she is over 8 yrs old the best plan they will give me is a $500 deductible & 70% reimbursement, with various limitations. And at the same rate as the comprehensive plan for my male, which has a $100 deductible & reimburses at 90%.