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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: November 20, 2017
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Embrace Pet Insurance
8.8 / 10 - Excellent
#3 in Pet Insurance
vs

Key Facts

  • Strong Illness & Accident Coverage - Use Any Vet
  • Optional wellness plan & Rx coverage covers spay/neuter
  • Benefits limited to $15k/yr
  • Customizable Annual Deductible from $200-$1000
  • Consistently #1 in customer satisfaction, A+ BBB
  • Chosen by almost 90% of ConsumersAdvocate.org visitors
  • Comprehensive illness and accident coverage
  • Unlimited lifetime benefits + no claim caps!
  • Annual deductible (recommended)
  • Free mobile app & no claims forms

ConsumersAdvocate.org Ratings

8.8 / 10 - Excellent
10/10
Coverage
7/10
Benefit Limits
8/10
Deductibles
10/10
Reimbursement
9/10
Claims and Service
9/10
Pricing
8/10
Enrollment
9.8 / 10 - Excellent
9/10
Coverage
10/10
Benefit Limits
10/10
Deductibles
10/10
Reimbursement
10/10
Claims and Service
10/10
Pricing
10/10
Enrollment

Customer Reviews

 (120)
8.4 / 10 - Excellent
76%
5 stars
4%
4 stars
3%
3 stars
2%
2 stars
16%
1 stars
 (1147)
9.6 / 10 - Excellent
95%
5 stars
1%
4 stars
1%
3 stars
1%
2 stars
2%
1 stars

Final Verdict

Healthy Paws Pet Insurance has a higher overall rating than Embrace Pet Insurance. Healthy Paws scores better than Embrace across: Benefit Limits, Deductibles, Claims and Service, Pricing, Reviews, and Enrollment. However, Embrace scores better on Coverage. Both companies score similarly on Reimbursement.


Latest Reviews

A
Anat T
Skokie, Illinois
11/20/2017
Healthy Paws Pet Insurance review
Healthy Paws insurance is great! I have used them a few times in the last four years, or so, and their service is impeccable. In addition to that, filing a claim on the app is so easy and they respond immediately. They also follow up with an email asking about your pet's progress and recovery. They really care! I highly recommend Healthy Paws to anyone who has a pet and wants to ensure giving them the best care possible.


M
Mary
Corona, California
11/19/2017
Healthy Paws Pet Insurance review
Veterinary medicine is now as expensive as people medicine. My 3 yr old cat developed 2 every expensive illness this year. One incident happened when he ate the end off his fleece toy. One gastric surgery later I am so grateful I only had a portion of the $4700 bill to pay. Healthy Paws has been very responsive to far.


D
David R
Tustin, California
11/15/2017
Embrace Pet Insurance review
Goldie, (my Silkie/whippet mix) had a great 2016; no claims at all. However the year before she managed to accumulate nearly $6000.00 in medical bills between self-inflicted poisoning (sago plant ingestion) and pancreas issues, again eating things she shouldn't. After the deductible was paid I only had $1600.00 total out of pocket expense. I'm on a serious budget and $6000.00 for a doggie Dr. bill... I may not have been able to save her. Because of Embrace I was able to save her from certain death! THANK YOU SO MUCH EMBRACE!


M
Marc R
Fairfield, California
11/9/2017
Embrace Pet Insurance review
The Embrace representatives we spoke with on the phone were extremely helpful and courteous. They also provided excellent information regarding processing the claim. Our claim was processed in a timely manner without any discrepancies. The reimbursement check was exactly the amount we expected to receive when we filed the claim. Thank you.


K
Kim K
Seattle, Washington
3/30/2016
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


C
CJ M
Plainfield, Illinois
2/7/2015
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


C
CJ M
Plainfield, Illinois
2/7/2015
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


L
Lori S
Austin, Texas
1/17/2015
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%.