Embrace vs Healthy Paws: Who’s Top Dog?

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Embrace vs Healthy PawsDo you have pet insurance? Those veterinarian bills can get pretty expensive, especially if your new pup likes to make frequent visits. Just the normal vaccines can get pricey! Maybe Embrace or Healthy Paws can help you out.

Read Embrace vs Healthy Paws to find out how these companies can help reduce your vet bills, especially in times of emergency. Maybe they can even keep your pup healthy.

Visit Healthy Paws’ Website | Visit Embrace’s Website

 Healthy PawsEmbrace
Policy CoverageCheckmarkCheckmark
Customer Service & ReputationCheckmark
Timeliness of Claim RepaymentCheckmark
Price of PolicyCheckmark
Overall WinnerCheckmark

Policy Coverage

Sometimes it’s easier to compare 2 companies by seeing a side-by-side comparison of what each covers. Below is a chart showing the similarities and differences between Embrace and Healthy Paws.

 Healthy PawsEmbrace
Overall Ranking in our Pet Insurance Reviews1stNot Ranked
Blood TestsCheckmarkCheckmark
Emergency CareCheckmarkCheckmark
Specialty CareCheckmarkCheckmark
Exam FeesCheckmark
Pre-existing Conditions
Check Ups, Vaccinations, Spay/Neuter, Teeth CleaningExtra Fee
Non-routine Dental TreatmentCheckmarkCheckmark
Hip DysplasiaCheckmark
Waiting Period - 12 Months
Waiting Period - 6 Months
Chronic ConditionsCheckmarkCheckmark
Waiting Period - 15 Days
Waiting Period - 14 Days
Waiting Period - 15 Days
Waiting Period - 48 Hours
Hereditary ConditionsCheckmarkCheckmark
Congenital ConditionsCheckmarkCheckmark
Cancer TreatmentsCheckmarkCheckmark
Diagnostic TreatmentCheckmarkCheckmark
Behavioral TherapiesCheckmark
Alternative/Holistic TherapyCheckmarkCheckmark
Prescription MedicationsCheckmarkExtra Fee
Enrollment Fee$25None
30-Day Money Back GuaranteeCheckmarkCheckmark

As you can see, the key differences here are that Embrace offers coverage for exam fees, wellness options (for an additional fee) and behavioral therapies. Healthy Paws covers prescription medications (as do most pet insurance companies) at no additional cost to you.

Healthy Paws’ underwriter has a slightly better A.M. Best rating and offers unlimited claim limits, which we think is the best since you can’t predict how many accidents or illnesses your dog will suffer in a year.

With all of this information in mind, we’ve got a tie for this category. However, the other categories have definite winners.

Winner: Healthy Paws & Embrace (Tie)

Customer Service & Reputation

Healthy Paws has outstanding customer service and its reputation is top notch. In addition to the rave reviews we read across the internet for Healthy Paws, Embrace also has limited phone hours and we’ve received more negative comments about Embrace than positive. Compare this to the numerous positive reviews we’ve received for Healthy Paws and it’s hard not to give Healthy Paws the winner spot here.

Healthy Paws logoWinner: Healthy Paws

Timeliness Of Claim Repayment

Both Healthy Paws and Embrace have great claim repayment timelines. Healthy Paws pays within 10 days for all claims, while Embrace averages 10 to 15 days for accident and illness claims (5 business days for wellness). Healthy Paws comes out slightly ahead here since it has the same or quicker turnaround vs Embrace for the more costly accident and illness reimbursements.

Healthy Paws logoWinner: Healthy Paws

Price Of Policy

While both companies’ plans start around $15 for cats and $25 for dogs, it’s always helpful to look at more specific examples of pet insurance price quotes. We recommend you request quotes from both Embrace and Healthy Paws by clicking on the links above to make sure you find the best plan for your pet’s characteristics and needs. Our links offer discounts that can help you save money every month.

Below are the characteristics considered for these quotes:

  • Neutered male Labradoodle
  • 8-months-old
  • Residency in Miami, Florida (zip code 33139)
  • Quote is from May 14, 2018
 DeductibleReimbursement %Annual MaximumPrice Per Month
Healthy Paws$50080%Unlimited$26.74
Healthy Paws$20080%Unlimited$31.23

Below are the characteristics considered for these quotes:

  • Spayed female Labrador Retriever
  • 4-years-old
  • Residency in Los Angeles, California (zip code 90015)
  • Quote is from May 14, 2018
 DeductibleReimbursement %Annual MaximumPrice Per Month
Healthy Paws$50080%Unlimited$44.39
Healthy Paws$50090%Unlimited$52.78

As you can see, Healthy Paws is less expensive on all of these quotes, and you get an unlimited annual limit instead of a $15,000 or $30,000 limit from Embrace. We also ran even more quotes, which you’ll find on our Pet Insurance Quotes page. You’ll find that Embrace was more expensive than Healthy Paws the majority of the time.

Healthy Paws logoWinner: Healthy Paws


Healthy Paws

Use this link and you will automatically receive up to a 10% discount. The actual discount varies based on individual state regulations. You can also visit our dedicated HealthyPaws promotions page to discuss current offers.


Embrace offers a few different discount options. Spayed or neutered pets get a 5% discount. if you have multiple pets, each one gets 5% off. You can also pay annually and get 5% off. Click here to access any of these discounts.

Why You Need The Best Pet Insurance

It’s important that you find the perfect pet insurance coverage for your dog – not just any insurance. Watch our brief video for a better understanding of how to select your pet insurance coverage.

Overall Winner

In the end, Healthy Paws takes the cake in this comparison. Embrace and Healthy Paws aren’t your only options for pet insurance. We suggest that you research other companies as well to make sure you are making the best choice for your pet. Check out our review of pet insurance companies to see how Embrace and Healthy Paws stack up against other national pet insurance companies.

Healthy Paws logoWinner: Healthy Paws

Do you agree with our winner in this comparison? Why or why not?

Disclaimer: Information regarding insurance company offerings, pricing 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 pet health 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.
Growing up, Kimberly used to get the sniffles when she was around dogs. Thankfully, she grew out of her allergy and is now able to play and snuggle with dogs as much as she wants! She and her husband adopted Sally, a four-year-old hound mix, in early 2017, and she has brought so much joy into their lives. Life as pet parents has been very rewarding.

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newest oldest most voted
I think the best pet insurance available today is FIgo. FIgo has simple plans, covers the vet exam fees, and covers all illness and accidents related. Figo also has an app called Pet CLoud which allows customers to set up pet tag, store medical records, and process claims. Best of all it affordable. Also I like texing as an option. Figo is only pet insurance where you can text customer service department for questions, and they answer back quickly. Very convenient and easy to use . I recommend this pet insurance highly. I filed a claim and withn 3 days, it was processed.
Christine Flack
some don’t count the “office visit” charge as going toward the deductible, i think that is pretty crazy! If you see a vet for an illness or otherwise its $50 just to walk in, it should be covered as part of the plan.
Hey Kimberly! I was wondering what sort of information you need from an insurance company to rate them? I saw your list for the Best Pet Insurance for 2017 and my company was listed as not including enough information. I’d love for us to get included in you rankings and would like to provide any and all information I can! Thanks!