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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Embrace Pet Insurance
8.8 / 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
8.8 / 10 - Excellent
10/10
Coverage
7/10
Benefit Limits
8/10
Deductibles
10/10
Reimbursement
9/10
Claims and Service
9/10
Pricing
8/10
Enrollment
9.8 / 10 - Excellent
9/10
Coverage
10/10
Benefit Limits
10/10
Deductibles
10/10
Reimbursement
10/10
Claims and Service
10/10
Pricing
10/10
Enrollment
Customer Reviews
 (97)
8.2 / 10 - Excellent
74%
5 stars
4%
4 stars
3%
3 stars
2%
2 stars
16%
1 stars
 (986)
9.6 / 10 - Excellent
95%
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, Pricing, Reviews, and Enrollment. However, Embrace scores better on Coverage. Both companies score similarly on Reimbursement.

Latest Reviews

T
Tina R
South Hamilton, Massachusetts
Healthy Paws Pet Insurance review
8/17/2017
We recently went through two back-to-back emergency surgeries with our young puppy and Healthy Paws was not only highly responsive with our claim, they followed up personally to make sure she was doing ok in her recovery. The Healthy Paws app made it easy for me to snap a picture of our vet bills, click 'submit claim', and initiate the process right from my phone. Once submitted, I received an email right away telling me our claim was being reviewed and another only a few days later detailing the amount we would be reimbursed based on our plan - no hassles, no questions asked. It was difficult enough dealing with a sick pet and trusting that someone had our back financially was a huge relief. The whole experience from start to finish was exceptional. I highly recommend Healthy Paws!

M
Mark
Orange, California
Healthy Paws Pet Insurance review
8/16/2017
Healthy Paws! You all need to know the sense of both relief and confidence you have infused into our decision to have our Choc Lab Duke, protected by Healthy Paws. He started favoring his right leg at about 6 months old after exercise or play times. Unfortunately like other large breeds, it was confirmed Elbow Dysplasia after x-rays and then seeing a Specialist. We thought we were going to be "poop" out of luck staring at an enormous bill. See, we had been down this familiar road before with our previous forever dog... But your company restored our faith in how it should work. The claims notice we just received is just one example, not just because Duke was covered, but the expediency, sincere caring, and genuine efforts. You took care of business; yes, and with that, you take care of us and our lil' cool dude, Duke. And we talk from experience, due to how a Very Silly Pet insurance company did NOT have our backs not long ago for a different furry friend who had similar medical issues, and that company didn't possess any of these attributes, let alone coverage or an attitude of care. In fact, we got zilch, squat, nada. Thankfully we did our diligence this time around and bought Duke's policy as soon as we got him - guess it pays to commit early. Realizing that sincere care of pet & your customers starts at the top of your organization but it gets reinforced from the rest of the team (Melissa, Haley and others in customer service/claims, bean counting, sales, marketing, education, custodians, receptionists... who may never get attention...) and it completes the circle and galvanizes. Hmm... like a good pack? :) My wife and I humbly thank you for your spirit of pet care and Duke especially thanks you as he's on the road to recovery with his fashionable leg wraps and cone collar! Enjoy his pics attached... the word shy isn't in his barkcabulary. With sincere gratitude, Mark, Carol... & DUKE 🐶 p.s. (We just got the reimbursement check! Less than a week after his surgery? wow, just wow. Sign us up as clients for life!)

P
Pam
North Attleboro, Massachusetts
Embrace Pet Insurance review
8/6/2017
In the same month both of our girls had medical issues. The oldest needed to have to Mass Cancer Tumors removed. The surgery was expensive but having Embrace we knew our girl was going to be fine because we could afford the surgery. During the next week our little girl developed serious urinary problems. Again Embrace made it possible for her to get all the treatments she needed. In dealing with the girls medical issues my husband became ill. Embrace paid the claims very fast taking even more stress away.

S
Samuel L
Mesa, Arizona
Embrace Pet Insurance review
8/2/2017
I can't say enough positive things about this company. Every time I have contacted them I have bee handled with courtesy and professionalism. I have recommended Embrace to several people. To me that is the most positive of recommendations.

K
Kim K
Seattle, Washington
Embrace Pet Insurance review
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
Embrace Pet Insurance review
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
Healthy Paws Pet Insurance review
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
Healthy Paws Pet Insurance review
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%.