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: January 19, 2018
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Embrace Pet Insurance
8.8 / 10 - Excellent
#3 in Pet Insurance
Healthy Paws Pet Insurance
9.8 / 10 - Excellent
#1 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

OVERALL RATINGS

 EmbraceHealthy Paws
Coverage10/109/10
Benefit Limits7/1010/10
Deductibles8/1010/10
Reimbursement10/1010/10
Claims and Service9/1010/10
Pricing9/1010/10
Enrollment8/1010/10

What do their policies cover?

 EmbraceHealthy Paws
Pets Covered
Dogs
Cats
Dogs
Cats
Coverage Types
Medical
Wellness
Medical
Vet Selection
Unrestricted
Unrestricted
Out of State Coverage
Commercial Pets Covered

Medical Conditions Covered

Embrace
vs
Healthy Paws
  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental
  • Dental Illness
  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental

Medical Treatments Covered

Embrace
vs
Healthy Paws
  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care
  • Behavioral Therapy
  • Prosthetics & Mobility Aids
  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care

How do their benefit limits compare?

 EmbraceHealthy Paws
Benefit Limit Types
Annual
Unlimited
Annual Benefit Maximum
$15,000

Reimbursement & Deductible Differences

 EmbraceHealthy Paws
Reimbursement Model
Actual Cost
Actual Cost
Minimum Percent Reimbursement
65%
70%
Maximum Percent Reimbursement
90%
90%
 EmbraceHealthy Paws
Deductible Type
Annual
Annual
Minimum Deductible Offered
$100
$100
Maximum Deductible Offered
$1,000
$500

Cost Comparison

Starting Monthly Premiums

 EmbraceHealthy Paws
Dogs
$13.04
$32.83
Cats
$8.98
$17.19
Rate Details: Annual Deductible: $1,000 Benefits Cap: $5,000 Reimbursement Model: 70% of Actual Cost
Rate Details: Annual Deductible: $500, Benefit Cap: Annual & Unlimited, Reimbursement Model: 70% of Annual Cost
Available Discounts: All spayed or neutered pets receive a 5% discount, If you have 2 or more pets on your policy then each pet will automatically receive a 5% multi-pet discount, If you choose to pay your policy in full each year then you will receive a 5% annual pay discount, Any pet parent (or their spouse/partner) who is actively serving in the Air Force, Army, Marines, Navy, or Coast Guard will receive a 5% discount, Any pet that has been PennHIP tested with a bilateral score of 0.3 or lower is eligible for an additional 5% discount
Available Discounts: 10% Lifetime Discount for Animal Welfare Volunteers, 10% Lifetime Discount for Association or Alumni Organizations, 10% Lifetime Discount for Membership Groups such as AAA, AARP, and Costco, 15% Lifetime Discount for Employer Sponsored Plans, 10% Lifetime Discount for Military Service

Compare Enrollment & Waiting Periods

Enrollment Age & Waiting Periods

 EmbraceHealthy Paws
Min Enrollment Age
6 weeks
8 weeks
Max Enrollment Age
14 years
13 years
Accident Waiting Period
2 days
15 days
Illnesses Waiting Period
14 days
15 days
Free Look Period
30 days
30 days

Claims & Service

 EmbraceHealthy Paws
Advertised Response Time
15 days
3 days
Claim Form
Mail
Email
Fax
Online Portal
Email
Fax
Online Portal
Mobile App

Contact & Additional Information

 EmbraceHealthy Paws
Homepage URL
Headquarters Address
4530 Richmond Road, Cleveland, OH, 44128
1229 120th Ave NE Ste C, Bellevue, WA, 98105
Mailing Address
PO Box 22188, Beachwood, OH, 44122
P.O. Box 50034, Bellevue, WA, 98105
Year Founded
2003
2009

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.


Customer Comments & Reviews

L
Lynn T
Hingham, Massachusetts

1/19/2018
Healthy Paws Pet Insurance review
If you are looking for pet insurance, look no further. Healthy Paws is the insurance to get. They cover all accident and injury (not pre-existing) and pay each and every invoice quickly. We have an epileptic dog and have been having a hard time getting his seizures under control so this has included hospitalizations, MRI's, prescriptions, doctor visits, etc. and Healthy Paws has covered everything - no questions asked. Love Healthy Paws!!


Donna K
Fernandina Beach, Florida

1/19/2018
Embrace Pet Insurance review
I am very pleased with the responsiveness and quality of service I have experienced with Embrace.


Megan H
Menlo Park, California

1/19/2018
Healthy Paws Pet Insurance review
We have been SUPER happy with Healthy Paws. They have approved all reimbursements that fall within our policy's guidelines. They even emailed to check in on how our dog was doing after his surgery! Quick payments, wonderful customer service. Totally worth it.


M
mollybstyles
La Jolla, California

1/16/2018
Embrace Pet Insurance review
We are so pleased with the way our claims were processed. Efficient, thorough and responsive -- we could not have asked for a better customer service experience!


K
Kim K
Tacoma, 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

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

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

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%.