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 - Exellent
#3 in Pet Insurance
Our Partner
Healthy Paws Pet Insurance
9.8 / 10 - Exellent
#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 - Exellent
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 - Exellent
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
 (20)
4.8 / 10 - Average
30%
5 stars
5%
4 stars
5%
3 stars
10%
2 stars
50%
1 stars
 (435)
9.4 / 10 - Exellent
93%
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

R
Rachel
Englewood, Colorado
1/20/2017
I'm am very grateful to have Healthy Paws Pet Insurance. It was a hard enough to decide to put my dog through major leg surgery and it was a huge relief that money didn't have to be a factor in the decision. I researched many pet insurance companies when deciding which one was right for me and I partly decided on Healthy Paws because of the great reviews on customer service. And those reviews weren't wrong! I am so impressed with the ease of submitting a claim (their app is fantastic), the fast response time and a few days after the claim was completed I received a personal email just checking on my dog to make sure she was doing ok. I really do recommend them to all of my friends.

J
Jason
Katonah, New York
1/19/2017
Great experience from start to finish. Honest and open about the entire process. As advertised! No funny business.

L
lizskips
Olney, Maryland
12/14/2016
My dear canine companion has been insured by Embrace for 2 and a half years now, since she was 10 weeks old. With every claim, be it routine wellness or emergency, Embrace has responded fairly and quickly. I did extensive research prior to switching to Embrace from my former dog's insurance company. Embrace is by far the best with their coverage, their customer service and their response time. I highly recommend Embrace to everyone!

Kathy Ferry
Massillon, Ohio
12/14/2016
I would give you an excellent rating if it were not for your refusal to cover growths in the mouth. I dont understand this. If a vet says the growth needs removed and sent for histopath then i think it should be covered. I understand dental hygeine and broken teeth and things like that but removing something that could be cancer should be treated just as if it were on another part of the body. I like embrace but will continue to search for insurance that will cover things in the mouth.

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%.