Pet Insurance

Paw Protect Pet Insurance Review: Administering Polices By Embrace


Last Updated: January 2, 2024 | 4 min read | 3 Comments

This content was reviewed by our licensed insurance agent, Michelle Schenker.

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woman stroking dogs head sitting at the vets office

Paw Protect policies are administered by Embrace Pet Insurance, a well-established pet insurance company. So when you purchase a policy through Paw Protect, Embrace is the insurer providing coverage for your pet. But the biggest (and only) differentiator between the two brands is that Paw Protect offers a credit product called Paytient that you can use as a line of credit with 0% interest to pay vet bills upfront vs you paying out of pocket.

But why should you buy through newcomer Paw Protect instead of direct from Embrace, a long-trusted insurer?

Paw Protect Overall Rating

Paw Protect Pet Insurance Review

paw protect logo 250

Product Name: Paw Protect Pet Insurance

Product Description: Paw Protect administers Embrace pet insurance policies for dogs and cats


Paw Protect’s policies are administered by Embrace Pet Insurance. There is no additional perk to signing up for an Embrace policy through Paw Protect, so we recommend purchasing directly from Embrace. In some mixed breed quotes we ran, Paw Protect and Embrace pricing differed based on the dog’s weight because the two companies use different weights for breed sizes.

Overall Score



  • No per-incident limits on their claims as they use an annual deductible
  • No lifetime limit
  • Offers optional Wellness Rewards (not available in RI; must purchase in conjunction with pet insurance)
  • Pays claims within 10-15 days on average
  • Up to a 10% max discount for multiple pets (5% in NY)
  • Covers your pet if they travel outside the U.S. with you
  • 30-day money-back guarantee
  • Eligible to apply for a virtual Paytient Visa card to pay for vet bills


  • $25 enrollment fee
  • Only covers enrolled pets age 14 and younger for accidents and illnesses (accident only may be available for ages 15+)
  • If one leg has a CCL (ACL) injury prior to enrollment, the other leg will not be covered even if there are no prior issues; it’s considered a pre-existing condition
  • Pricing for mixed breeds sometimes varies between Embrace and Paw Protect

Our pet insurance experts read through each pet insurance company’s policy to provide detailed comparisons and information regarding how a provider fares against others in the industry. We also speak with customers, read online feedback, and communicate one-on-one with pet insurance companies to obtain a well-rounded, unbiased analysis of a company’s standings.

Our team rates pet insurance companies based on several factors, including A.M. Best ratings (an indicator of financial stability), claim processing reputations, contract coverage, customer service, pricing, plan customizations, and more.

Key Features

  • Underwriter: American Modern Home Insurance Company
    • A.M. Best rating (a measure of financial stability): A+
  • Bilateral condition (a condition or disease that affects both sides of the body): If your pet has a pre-existing bilateral condition (e.g., ACL tear), they’re at a higher risk of the same situation on the other side of the body and any future occurrences of the same condition won’t be covered.
  • Pets enrolled after their 15th birthday are solely eligible for the accident-only policy
  • Covers curable pre-existing conditions as long as the pet goes symptom or treatment free for 1 year or more
  • Paw Protect requires a vet exam within the last 12 months before the policy start date or 14 days after the start date.
  • Paw Protect policyholders are eligible to apply for a virtual Paytient Visa card to pay for vet bills without interest or fees ($2,000 line of credit available). This credit card is the only add-on perk when you buy via Paw Protect vs the same policy from Embrace.

Customer Service Options & Hours

  • Phone:
    • Monday – Friday: 9am – 8pm EST
    • Saturday: 10am – 2pm EST

Waiting Periods*

paw protect waiting period chart
  • Illnesses: 14 days
  • Accidents: 2 days
  • IVDD, Cruciate Ligament Injuries, Patellar Luxation, Hip Dysplasia: 6 months
  • Wellness: 0 days

*Waiting periods for California, Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, and Washington are as follows:

  • Accidents - 0 days
  • Illnesses - 14 days
  • Cruciate Ligament Conditions - 30 days
  • Routine Care - 0 days

What Does Paw Protect Cover?

Please know that none of the providers in our pet insurance comparison charts cover pre-existing conditions, cremation and burial costs, pregnancy and breeding, or unnecessary cosmetic procedures.

All of them cover the following items when deemed medically necessary: 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. However, this coverage may have limitations, so please check your policy.

ConditionCovered By Paw Protect
Behavioral Therapiescheckmark
Alternative/Holistic Therapiescheckmark
Exam Feescheckmark
Wellness CareExtra Fee

What’s Paw Protect’s Accident-Only Plan?

Paw Protect is one of the few pet insurance companies that offer an accident-only plan; however, it’s only available for dogs enrolled at 15 years old or older. Dogs enrolled after their 15th birthday are not eligible for Paw Protect’s accident and illness plan. To enroll your pet in an accident-only plan, call 888-968-8952.

It only covers accidents (as its name suggests), so things like broken bones are covered. It doesn’t cover any illnesses, routine care, acupuncture, or chiropractic treatment.

What Are Paw Protect’s Wellness Plans & Pricing?

Paw Protect also offers an optional Wellness Rewards (not available in Rhode Island) program for an additional fee. Paw Protect will reimburse 100% of your pet’s routine care costs up to the selected amount of coverage you choose. You can select from the following amounts per year, which also lists their monthly cost:

Wellness Rewards Per YearAdditional Monthly Cost
  • $250 Wellness Rewards per year: an additional $18.75 per month
  • $450 Wellness Rewards per year: an additional $35.42 per month
  • $650 Wellness Rewards per year: an additional $52.09 per month

Wellness Plan Coverage

This money can go toward the following but is not limited to:

  • Routine vet visits
  • Flea, tick, and heartworm medications
  • Microchipping
  • Spay/neuter surgery
  • Massage and acupuncture
  • Prescription diet food
  • Vaccinations
  • Anal gland expression
  • Grooming
  • Fecal and routine blood tests
  • Medicated shampoos
  • Routine chiropractic care
  • Teeth cleaning
  • Training classes
  • Toenail trimming
  • Pet activity monitors
  • Cremation or burial

How Is Paw Protect’s Pricing Determined?

Paw Protect has a $25 enrollment fee. Your monthly premium is based on the deductible, reimbursement percentage, and annual payout options that you choose from the table below.

Deductible OptionsPayout OptionsReimbursement Options

Pricing is also based on your pet’s details (age, breed, location, pre-existing conditions, etc.). We recommend obtaining quotes from Paw Protect for your specific pet to get an idea of how much a policy would cost you.

You can use our pet insurance quote form below to see how top providers compare for your actual pet.

Does Paw Protect Have Discounts?

Paw Protect has the following discounts:

  • 10% off (5% off in NY) for multiple pets 
  • 5% off for military and veterans (NY and TN excluded)

No promo code is needed. Use this link to take advantage of the best possible price.

Our Final Verdict On Paw Protect

Paw Protect is new to the pet insurance industry. We’re comfortable with policies administered by Embrace because it has a solid reputation. However, we hesitate to recommend Paw Protect over going directly through Embrace because there were instances where we ran quotes, and Paw Protect was more expensive than Embrace.

But Paw Protect gives you access to apply for a Paytient Visa card, which could help you cover the cost of vet bills until you receive a claim reimbursement. Paw Protect seems to be the only way to get a Paytient credit benefit since Embrace doesn’t offer access to it directly.

Overall, researching before buying a pet insurance plan is a must. We invite you to read through our best pet insurance guide so you feel 100% positive about making the best decision for your furry friend.

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.

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.

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