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: May 25, 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: Discounts vary by state. Discount options include, but are not limited to, a multiple pet discount of 5-10%, military discount of 5%, spay/neuter discount of 5%, annual payment discount of 5%, paying via bank account discount of 5%, and PenHIP discount of 5% (if score is 0.3 or lower).
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

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

Claims & Service

 EmbraceHealthy Paws
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

G
Gus S
Newark, New Jersey

5/25/2018
Healthy Paws Pet Insurance review
I am a certified dog trainer. I've researched all the pet insurance companies. While this doesn't pay for routine visits, it is by far the best. The main reason I got this was in case we were faced with a huge bill which usually means diagnostic tests and lab work. I chose the $250 deductible and 90% coverage. One difference is it's not per incident. The $250 deductible is for everything that may come up in a year. I have a friend with another big name pet insurance who has $250 but it's for each item. His dog hurt his leg, the $250 gets deducted before reimbursement. Three months later, ear infection, he has to satisfy the $250 again. Not the case here. So if I get a bill for $2000 for lab work, meds etc. and lets say the office visit costs $70, first the $250 comes out bringing the outstanding balance to $1750 less the office visit of $70 which would then leave $1680 as the covered amount. I would receive a check for $1512. If within the years time god forbid something else happened that cost the same $2000 again, I would get a reimbursement check for $1762 because I would have eaten up my deductible with the first incident. You can see how you would have averted a disastrous financial situation and not have to possibly in a lot of cases put an animal down. I hope I don't have to submit another claim as I just had to and I'd gladly make my monthly payments and get nothing in return, but it's great to know that if something should arise I don't have to think twice about getting a test done or my dog treated for whatever comes up. I highly recommend Healthy Paws and Rocky my Pit Bull/Retriever/Bullmastiff says thank you too.


E
Emma
Hillsboro, Oregon

5/24/2018
Healthy Paws Pet Insurance review
Healthy paws has been amazing to me and my dog during his emergency! They were super helpful and cooperative and were able to assist me last minute for a pre approved surgery so that there was no delay for his treatment. Their customer service during and after my boys surgery has been above and beyond. I have recommended them to all of my friends with pets.


S
susa a
Miami, Florida

5/4/2018
Embrace Pet Insurance review
disgusted was a client forb3years and i missed one payment and they cacelled my coverage when i called tonreinstate they cancelled my wellness they are thieves dont trust them


A
Ashwini
Los Angeles, California

5/2/2018
Embrace Pet Insurance review
It was only 4 months ago that we had purchased the policy and our dog was diagnosed with a toe bone rupture which had to be treated immediately by doing a surgery. Embrace reimbursed complete 80% of the amount which included surgery and all bandage change visits. Thank you Embrace !!


K
Kim K
Auburn, 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
Chicago Heights, 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
Chicago Heights, 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%.