Embrace vs Healthy Paws: Who’s Top Dog?

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Embrace vs Healthy PawsVeterinarian 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 an emergency. Maybe they can even keep your pup healthy.

Visit Healthy Paws’ Website | Visit Embrace’s Website

Policy Coverage

Sometimes it’s easier to compare two 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 Dysplasia Waiting Period12 Months6 Months
Chronic ConditionsCheckmarkCheckmark
Illnesses Waiting Period15 Days14 Days
Accidents Waiting Period15 Days2 Days
Hereditary ConditionsCheckmarkCheckmark
Congenital ConditionsCheckmarkCheckmark
Diagnostic TreatmentCheckmarkCheckmark
Behavioral TherapiesCheckmark
Alternative/Holistic TherapyCheckmarkCheckmark
Prescription MedicationsCheckmarkExtra Fee
Enrollment Fee$25$25
30-Day Money Back GuaranteeCheckmarkCheckmark
Claim LimitsUnlimited$5,000, $8,000, $10,000, $15,000, $30,000 (Unlimited available via phone)
BBB RatingA+A+
UnderwriterWestchester Fire Insurance Company/ChubbAmerican Modern Home Insurance Company
A.M. Best RatingA++A+

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 the company offers unlimited claim limits for all plans without calling in, 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.Healthy Paws & Embrace logos

Winner: Healthy Paws & Embrace (Tie)

Customer Service & Reputation

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

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 comments 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

Winner: Healthy Paws

Timeliness Of Claim Repayment

Doctor's office papers: Timeliness Of Claim Repayment

Both Healthy Paws and Embrace have great claim repayment timelines. Healthy Paws pays 99% of its claims within 2 days, while Embrace promises 10 to 15 business days for claims (but often processes them faster). Healthy Paws comes out slightly ahead here since it has a quicker turnaround vs Embrace for costly accident and illness reimbursements.Healthy Paws logo

Winner: 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 (33139)
  • Quote is from December 16, 2019
 DeductibleReimbursement %Annual MaximumPrice Per Month
Healthy Paws$50080%Unlimited$30.33
Healthy Paws$20080%Unlimited$35.73

Below are the characteristics considered for these quotes:

  • Spayed female Labrador Retriever
  • 4-years-old
  • Residency in Los Angeles, California (90015)
  • Quote is from December 16, 2019
 DeductibleReimbursement %Annual MaximumPrice Per Month
Healthy Paws$50080%Unlimited$50.38
Healthy Paws$50070%Unlimited$45.03

Dog laying next to money: Price Of PolicyAs you can see, prices are fairly similar on all of these quotes, but with Healthy Paws you get an unlimited annual limit instead of a $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 Healthy Paws was less expensive than Embrace the majority of the time.Healthy Paws logo

Winner: Healthy Paws


Healthy Paws

Use this link and you will automatically receive up to a 5% 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 in NY get a 5% discount. If you have multiple pets, each one gets 10% off (5% in NY). You can also pay annually and get 5% off in NY. 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.

What’s The Verdict?

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’re 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?

About The Author:

Kimberly received her Bachelor of Arts in multimedia journalism from Simpson College. She has been writing about dogs since 2014, covering subjects such as dog insurance, training, health, accessories, and more. Her work has appeared in many notable brands, including The New York Times' Wirecutter, Reader's Digest, Forbes, People, Woman's World, and Huffington Post.

Kimberly's natural curiosity helps her research as she seeks the truth when learning about, comparing, and personally testing canine products and services. With every piece she writes, her goal is to help our readers find the best fit for their unique needs. Kimberly grew up in a family that loved Labrador Retrievers and remembers running and playing in the yard with them as a child.

In 2017, she and her husband adopted their Coonhound mix, Sally, from a local shelter. Kimberly’s research was put to good use since Sally faced some aggression issues with other dogs and needed some training to be an inside dog. She worked daily with Sally and sought help from professionals to help Sally become the happy pup she is today. One of Kimberly’s favorite pastimes is spoiling Sally with new toys, comfy beds, and yummy treats (she even makes homemade goodies for her). She tries to purchase the safest products for Sally and knows that each canine has their own specific likes and dislikes. Kimberly is passionate about dogs and knows the bond between humans and canines is like no other.

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.
Disclaimer: The information provided through this website should not be used for diagnosing or treating a health problem or a disease. It is not a substitute for professional care. If you have or suspect you may have a health problem, you should consult your health care provider.

Disclaimer: This website contains reviews, opinions and information regarding products and services manufactured or provided by third parties. We are not responsible in any way for such products and services, and nothing contained here should be construed as a guarantee of the functionality, utility, safety or reliability of any product or services reviewed or discussed. Please follow the directions provided by the manufacturer or service provider when using any product or service reviewed or discussed on this website.

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L. Manning
February 19, 2020 11:34 am

I have two dogs. Unfortunately, both diagnosed with cancer. One is a young dog, the other is 6 years older. HEALTHY PAWS is OUTSTANDING compared to Embrace. I have had a policy with Embrace for the older dog – have been paying premiums for 10 years. Overall experience has been terrible – from delays in claims to demand for medical reviews just to reimburse a small exam fee. The younger dog is covered by Healthy Paws. Even though Healthy Paws does not pay for exams, my opinion is that that initial expense is a basic pet owner responsibility. For serious illnesses and subsequent diagnostics and treatments, Healthy Paws comes through with flying colors.. I encourage all my dog friends to STAY AWAY from Embrace. Their newest cafeteria plan, where the premiums have “add ons” for everything else (wellness, alternative therapy, prescriptions) makes the process even more complicated

April 23, 2017 1:22 am

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
March 21, 2017 6:57 pm

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.

March 15, 2017 2:47 pm

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!