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.
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Select 2 pet insurance companies to compare
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Embrace Pet Insurance
8.5 / 10 - Excellent
#3 in Pet Insurance
Our Partner
Healthy Paws Pet Insurance
9.8 / 10 - Excellent
#1 in Pet Insurance
Our Partner
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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 Consumers Advocate visitors
  • Comprehensive illness and accident coverage
  • Unlimited lifetime benefits + no claim caps!
  • Annual deductible (recommended)
  • Free mobile app & no claims forms
ConsumersAdvocate.org Ratings
8.5 / 10 - Excellent
10/10
Coverage
7/10
Benefit Limits
8/10
Deductibles
10/10
Reimbursement Models
9/10
Claims and Service
7/10
Costs
8/10
Reviews
9.8 / 10 - Excellent
9/10
Coverage
10/10
Benefit Limits
10/10
Deductibles
10/10
Reimbursement Models
10/10
Claims and Service
10/10
Costs
10/10
Reviews
Customer Reviews
 (26)
4.6 / 10 - Average
31%
5 stars
4%
4 stars
4%
3 stars
8%
2 stars
54%
1 stars
 (515)
9.6 / 10 - Excellent
94%
5 stars
1%
4 stars
1%
3 stars
1%
2 stars
3%
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, Costs, and Reviews. However, Embrace scores better on Coverage. Both companies score similarly on Reimbursement Models.

Latest Reviews

Leeann Clark Barnes
Sherwood, Oregon
2/20/2017
We highly Healthy Paws coverage for your pets ! Most recently , out Doxie /terrier mix named Flicker had surgery for a tumor in one tear duct and a growth removed from his lower eyelid. Our claims were processed and handled on the same day ! Services are amazing ! If not for Healthy Paws , I am not sure our best little friend would be with us today ! thank you so very much , John and LeeAnn Barnes

RickandLaura Vollmer
Greenville, South Carolina
2/20/2017
We picked a plan that worked for us and never thought we would "need" it. Well, we did and do. For the cost of one DVD a month, my pet is covered. One day into our dog's illness and our deductible was met. I simply take a picture of the bill using their incredibly easy to use app and in short time they let me know it's being processed and then another alert letting me know it is complete. Easy, fast, worry free insurance so I can concentrate on my dog!

Harold Schultz
2/18/2017
We have a 9 year old GoldenDoodle and have had Embrace Insurance since he was a puppy. Our claims have always been taken care of promptly without any issues. Recently, we have had a serious issue involving a tumor in his knee and Embrace has been wonderful to deal with. This is a very difficult time for us but there is necer an issue with payment of his veterinary bills. We would recommend Embrace to anyone for compassionate, efficient handling of claims.

D
Dan Miller
Seattle, Washington
2/17/2017
The entire team at Embrace is top-notch. We have been customers for 10+ years and have never once regretted the investment in our dogs health. Claims are processed quickly, fairly and transparently. And the entire team makes you feel part of the family rather than just an anonymous customer.

K
Kim K
Bellevue, Washington
3/30/2016
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
Downers Grove, Illinois
2/7/2015
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
Downers Grove, Illinois
2/7/2015
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
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%.