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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vsSelect 2 companies to compare
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
 (18)
4.4 / 10 - Average
28%
5 stars
6%
4 stars
0%
3 stars
11%
2 stars
56%
1 stars
 (361)
9.6 / 10 - Exellent
94%
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, Costs, and Reviews. However, Embrace scores better on Coverage. Both companies score similarly on Reimbursement Models.

Latest Reviews

D
debbie
12/9/2016
I am SO thankful that I got Healthy Paws Pet Insurance when we got our dog. My dog has gotten sick a few times (nothing major), but it was nice to have the tests and medicine covered. Recently, my dog was attacked while out on his morning walk. It was a major wound that needed 2 surgeries. The total of all my animal hospital bills quickly added up to $5,000 and boy am I SO GLAD that I have Healthy Paws. They covered $4,200 of the bills!!! Imagine your pet being innocently attacked and needing medical attention. Think about what a relief it would be to: 1. be able to get the medical attention your pet needs and 2. have most of the bill covered by insurance Keep in mind that if an accident is the fault of another persons animal, the other party is not legally obligated to pay the bill. Healthy Paws is 100% worth getting. SIGN UP TODAY!

T
Teresa McGee
Hampstead, North Carolina
12/6/2016
We've been a "Healthy Paws" customer for about three years. We have four dogs insured. There have been several occasions we've had to file claims for our dogs and we've always been taken care of promptly. We've never disagreed with Healthy Paws reimbursement of any of our claims. The latest claim has totaled close to $6,000 . Our reimbursement for these claims were all handled within a couple of days and reimbursed to policy agreements of close to $5,000 in checks back to us. One of our smallest dogs was seem by our primary care vet with recommendations for further diagnostic tests, including ultrasound. He was admitted to our local emergency hospital, discharged and transferred on to NC State for further 24/7 care. The total hospitalization was 6 days. Our "Boogie" has pancreatitis along with some other underlying issues that we're still working on. We highly recommend Heathy Paws to all of our friends and family. For people that are close enough to their pets that they're part of the family.....believe me when I say, if your beloved "furbaby" gets really sick, it will break your heart if you don't have the financial means to provide required medical attention. It's at times like this we are so thankful that Healthy Paws was there for us. Before we chose Healthy Paws, I extensively researched several health insurance plans. Healthy Paws provided the most benefits for our "four legged hairy children", with the lowest cost for the benefits we have. If you don't currently have pet health insurance, I highly recommend Healthy Paws. Thank you Healthy Paws for being there for us- even checking up on our pet.

J
Judith S
Middleburg, Florida
11/19/2016
Embrace is the absolute best. They have literally saved my dog's life. He has polyneuropathy which is a death sentence for other dogs. They have covered not only his acupuncture but also his stem cell injections that my dog Leo gets from the University of Florida vet school. There is no question that without Embrace my dog would be dead. Not only that, but in my many years with them, they have never, at any time, given me any difficulties with covering a claim and have always been courteous and caring to deal with. I could not possibly recommend them more highly.

R
Rachel Simpson
Hubbard, Ohio
10/24/2016
I have had my border collie covered by Embrace since he was a puppy, and have been quite satisfied with the insurance. They have covered and paid many claims for him, including alternative therapies for various injuries (Chiropractic, laser therapy, massage). I have never had a problem with them.

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%.