Embrace vs Healthy Paws: Who’s Top Dog?

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Two dogs playing (Caption: Embrace vs Healthy Paws logos)

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.

Visit Healthy Paws’ Website | Visit Embrace’s Website

EmbraceHealthy Paws
Policy CoverageExtensiveMore Limited
Customer Service & ReputationExcellent, StableExcellent, Stable
Claim Processing Average5 Days2 Days
Price Of PolicyHigher On AverageVaries
Plan CustomizationsMany OptionsRestricted Options
Overall WinnerOrange X (No or Not)Brown checkmark (Yes)
 Visit WebsiteVisit Website

Dog under covers (caption: Policy Coverage Winner)Policy Coverage

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.

 EmbraceHealthy Paws
Ranking In Our Pet Insurance ComparisonBest Discount For Multiple PetsFastest Claim Processing
Illness Waiting Period14 Days15 Days
Accident Waiting Period2 Days15 Days
Hip Dysplasia Waiting Period6 Months12 Months
CCL Surgery Waiting Period6 Months15 Days
Behavioral TherapiesBrown checkmark (Yes)Orange X (No or Not)
Alternative/Holistic TherapyBrown checkmark (Yes)Orange X (No or Not)
Wellness Care For An Extra FeeBrown checkmark (Yes)Orange X (No or Not)
Exam FeesBrown checkmark (Yes)Orange X (No or Not)
UnderwriterAmerican Modern Property and Casualty Insurance CompanyWestchester Fire Insurance Company/Chubb
A.M. Best RatingA+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.

Embrace logo

Policy Coverage Winner: Embrace 

Person holding phone next to dog: Customer Service & Reputation Winner

Customer Service & Reputation

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.

Healthy Paws logo with tagline

Customer Service & Reputation Winner: Healthy Paws

Doctor's office papers: Timeliness Of Claim Repayment

Claim Processing

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.

Healthy Paws logo with tagline

Claim Processing Winner: Healthy Paws

Price Of Policy

Dog laying next to money: Price Of Policy

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.

 BreedBirthdayGenderLocationDeductibleReimbursement %Annual PayoutPrice Per Month
EmbraceLabrador RetrieverApril 2017FemaleCalifornia (90024)$20080%$15,000$97.36
Healthy PawsLabrador RetrieverApril 2017FemaleCalifornia (90024)$25080%Unlimited$100.81
Embrace40 lb Mixed BreedJanuary 2015FemaleIllinois (60604)$50070%$15,000$66.90
Healthy Paws40 lb Mixed BreedJanuary 2015FemaleIllinois (60604)$50070%Unlimited$56.54
EmbraceAmerican Pit Bull TerrierJuly 2021MaleNew York (10012)$50070%$5,000$73.78
Healthy PawsAmerican Pit Bull TerrierJuly 2021MaleNew York (10012)$50070%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.

Healthy Paws logo with tagline

Price Of Policy Winner: Healthy Paws

Coupons

Healthy Paws

Use this link to take advantage of the best possible price and get a quote for your pet from Healthy Paws. You can also visit our dedicated Healthy Paws promotions page to learn more.

Embrace

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

No promo code is needed. Use this link to take advantage of the best possible price. You can also visit our dedicated Embrace promotions page to learn more.

Plan Customization

Several types of dogs sitting together (Caption: Plan Customization)

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.

Embrace logo

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.

What’s The Verdict?

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.

Healthy Paws logo with tagline

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.

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Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

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