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Veterinarian bills can get pretty expensive, especially if your new pup makes frequent visits. Just the normal costs of aging can get pricey. Maybe Embrace or Healthy Paws can help you out.
Find out which company is the better choice to help reduce your vet bills, especially in times of an emergency.
|Policy Coverage||Extensive||More Limited|
|Customer Service & Reputation||Excellent, Stable||Excellent, Stable|
|Claim Processing Average||5 Days||2 Days|
|Price Of Policy||Higher On Average||Varies|
|Plan Customizations||Many Options||Restricted Options|
|Visit Website||Visit Website|
The table below shows precisely what Embrace and Healthy Paws cover. Both companies cover emergency care, surgery and hospitalization, specialized exams and specialty care, X-rays, blood tests, ultrasounds, cat scans, MRIs, rehabilitation, cancer, chronic conditions, euthanasia, hereditary conditions, congenital conditions, non-routine dental treatment, and prescription medications. Neither covers pre-existing conditions, cremation and burial costs, pregnancy and breeding, or unnecessary cosmetic procedures.
|Ranking In Our Pet Insurance Comparison||Best Discount For Multiple Pets||Fastest Claim Processing|
|Illness Waiting Period||14 Days||15 Days|
|Accident Waiting Period||2 Days||15 Days|
|Hip Dysplasia Waiting Period||6 Months||12 Months|
|CCL Surgery Waiting Period||6 Months||15 Days|
|Wellness Care For An Extra Fee|
|Underwriter||American Modern Property and Casualty Insurance Company||Westchester Fire Insurance Company/Chubb|
|A.M. Best Rating||A+||A++|
Embrace’s coverage is more thorough than Healthy Paws’. Both companies’ underwriters have excellent A.M. Best ratings (a measurement of financial stability).
One critical deciding factor for you may be the age restrictions attached to each of these companies. For pets 14 years old and older, Healthy Paws doesn’t enroll them, and Embrace restricts new enrollments to accident-only coverage.
Additionally, Healthy Paws will not enroll pets older than four years old in New York state. And if you choose to enroll your pet with Healthy Paws after their sixth birthday, you’ll notice plan customization restrictions and exclusions for hip dysplasia coverage.
We give Embrace the edge in this category because its coverage is more extensive than Healthy Paws, and Embrace has fewer age restrictions. Embrace also has a short two-day waiting period for accidents compared to Healthy Paws’ at 15 days.
Policy Coverage Winner: Embrace
Customer service and reputation can be overlooked when you’re met with an attractive quote for your policy, but we think it’s one of the most important elements you should consider. We hope you never have to file a claim, but should the need arise, we want it to be as painless and easy on you and your furry friend as possible.
Healthy Paws has outstanding customer service, and its reputation is top-notch. In contrast to the rave reviews we read across the internet for Healthy Paws, Embrace has limited phone hours, and we’ve received more negative feedback than positive about Embrace. Compare this to the numerous positive reviews we’ve received for Healthy Paws, and it’s hard not to give Healthy Paws the winning spot here.
Customer Service & Reputation Winner: Healthy Paws
Embrace averages a five-day claim process for accidents and illnesses. Meanwhile, Healthy Paws pays most of its claims within two days. Both of these are rather fast. However, Healthy Paws is the fastest in the industry.
Healthy Paws may be able to pay your vet directly for the covered portion of your bill, so you wouldn’t have to wait for reimbursement. However, this may not be available at your vet’s office, so call and discuss it with them beforehand. Embrace doesn’t have a vet direct payment option.
Claim Processing Winner: Healthy Paws
Embrace has a one-time fee of $25 and a $1 per month transaction fee if you pay monthly. Healthy Paws has a $25 enrollment fee and no transaction fee.
Below are some pet insurance quotes we pulled in January 2022. All information is for pets with no pre-existing conditions or multi-pet discounts.
|Breed||Birthday||Gender||Location||Deductible||Reimbursement %||Annual Payout||Price Per Month|
|Embrace||Labrador Retriever||April 2017||Female||California (90024)||$200||80%||$15,000||$97.36|
|Healthy Paws||Labrador Retriever||April 2017||Female||California (90024)||$250||80%||Unlimited||$100.81|
|Embrace||40 lb Mixed Breed||January 2015||Female||Illinois (60604)||$500||70%||$15,000||$66.90|
|Healthy Paws||40 lb Mixed Breed||January 2015||Female||Illinois (60604)||$500||70%||Unlimited||$56.54|
|Embrace||American Pit Bull Terrier||July 2021||Male||New York (10012)||$500||70%||$5,000||$73.78|
|Healthy Paws||American Pit Bull Terrier||July 2021||Male||New York (10012)||$500||70%||Unlimited||$51.84|
As you can see, prices are hard to compare because you must call to get an unlimited payout quote from Embrace and Healthy Paws only offers unlimited payouts. So comparing apples to apples is difficult between these two companies. However, Healthy Paws tends to be less expensive than Embrace for unlimited annual payouts.
It’s always best to get quotes for your specific dog to compare what pet insurance could cost you for the coverage that best suits your needs. You can use our quick pet insurance quote form to get quotes from multiple companies at once.
Price Of Policy Winner: Healthy Paws
Embrace offers the following discounts:
- 10% off (5% off in NY) for multiple pets
- 5% off for military and veterans (NY and TN excluded)
- 10% off if your company or clinic offers Embrace as an employee benefit (FL, ND, NY, and TN excluded)
- 5% off in NY if you pay annually
- Up to 15% off for eligible USAA customers
- Your deductible automatically goes down $50 each year you don’t receive a claim payment
The major difference between these two companies in your ability to customize your plan comes down to age restrictions. While Healthy Paws has unlimited payouts for all plans, they have some restrictions on reimbursement and annual deductible amounts, depending on your pet’s age at enrollment.
- Dogs and cats 5 years and under:
- 90%, 80%, and 70% reimbursement
- $100, $250, and $500 deductible
- Dogs and cats 6 and 7 years old:
- 80%, 70%, or 60% reimbursement
- $250, $500, or $750 deductible
- Dogs 8 years and older:
- 50% or 60% reimbursement
- $750 or $1,000 deductible
Healthy Paws only enrolls pets from 8 weeks to 14 years old. Embrace offers a lot of customizable options with no age restrictions. You can choose your annual payout option from $5,000, $8,000, $10,000, $15,000, or $30,000 (unlimited is available, but you have to call to request it). They also offer reimbursements of 70%, 80%, or 90% and annual deductibles of $200, $300, $500, $750, or $1,000.
Embrace ultimately comes out on top because of greater flexibility to build your plan no matter your pet’s age.
Plan Customization Winner: Embrace
Why You Need The Best Pet Insurance
It’s important to find the perfect pet insurance coverage for your dog — not just any insurance. Watch our brief video to better understand how to select your pet insurance coverage.
In the end, Healthy Paws is the top dog in this comparison. If you didn’t find what you were looking for, our experts have gone in-depth with individual reviews of Embrace and Healthy Paws so you can expand your comparison.
Overall Winner: Healthy Paws
Our experts have spent hundreds of hours researching to bring you our comprehensive pet insurance reviews, including our top picks as well as details on each of the most popular pet insurance companies.
If you prefer to see winners by category, we award the best price, multiple pets, 100% reimbursement, unlimited payouts, and “best for” categories, including puppies, older dogs, dental, wellness coverage, bilateral conditions, behavioral therapy, and more in our best pet insurance comparison. You’ll even see winners for exotic pets and cats.Tagged With: