Compare Embrace vs. Healthy Paws Pet Insurance
What’s the difference between Embrace Pet Insurance and Healthy Paws Pet Insurance? See how our editors compare the two companies below.
Last Updated: February 05, 2025
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Key Facts
Unlimited Reimbursement at Any Vet
- Covers Illnesses, Conditions & Accidents
- Add Dental & Prescription Coverage
- Wellness Plan for Routine Check-ups, Grooming & Training
- Over 18 Years of Pet Insurance Expertise
Rated "Best Choice Overall" by Mashable
- No Maximum Annual or Lifetime Payouts
- No Enrollment or Administrative Fees
- Most Claims are Processed in 2 Days
- Trusted by More than 625,000 Parents
OVERALL RATINGS
| Embrace | Healthy Paws | |
|---|---|---|
| Coverage | 4.5/5 | 4.5/5 |
| Cost | 4.5/5 | 4.0/5 |
| Extras | 4.5/5 | 4.0/5 |
Embrace
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Healthy Paws
Embrace
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Healthy Paws
Final Verdict
Embrace Pet Insurance and Healthy Paws Pet Insurance are very close in quality and have the same overall rating. That said, Embrace scores better than Healthy Paws across: Reimbursement, Cost, and Extras. Whereas, Healthy Paws scores better on Enrollment. Both companies score similarly on Coverage, Benefit Limits, Deductibles, and Reviews.
Customer Comments & Reviews
Healthy Paws Pet Insurance review
Healthy Paws is hands down the best pet insurance company out there. Their claims are seamless, quick, and easy. Their customer service is second to none. I was skeptical after dealing with another company that was dishonest years ago with another cat but after she passed, I swore I would never have to choose whether to treat or euthanize due to cost again and I decided to look into pet insurance again. Healthy Paws had one of the best reputations and was very reasonable compared to other reputable companies. My mother also had Healthy Paws and only had good experiences with them so I felt confident choosing them. I’ve been with them for about 1.5 years before I needed to use my coverage for my cat’s surgery with a board certified surgeon at a specialty hospital. Healthy Paws did not question the cost or tell me to look for a less expensive option, instead they didn’t even question it and reimbursed me the 80% within days! Originally I applied for direct pay to the vet and they also approved that within a day(however this vet did not accept direct pay so I went with the reimbursement )! I could not be happier with Healthy Paws and the piece of mind it brings me having my cats insured by an honest company! I will be a client for life.
Healthy Paws Pet Insurance review
I have been a loyal Healthy Paws Pet Insurance customer since 2019, when my beagle Maisie was just 5 months old, and I’ve always hoped never to need it. However, this past month, Maisie, who is now 5 years old, gave us quite a scare. She ended up in both our regular vet and emergency care for fluid on her heart and in her belly. Thankfully, Healthy Paws made the claims process straightforward, and they quickly reimbursed me for her treatment.
One recommendation I would give to new policyholders is to proactively submit all your dog’s medical records each time they visit the vet. Healthy Paws requires all records to process the first payout, and that did cause a slight delay in my case. However, overall, the experience was positive. I was even touched by the follow-up email they sent a week after her check-up to check on Maisie’s progress.
I highly recommend Healthy Paws for anyone seeking reliable and compassionate pet insurance. Their support during a stressful time was invaluable, and I’m grateful for the peace of mind they provide.
Embrace Pet Insurance review
I love Embrace. Indeed, my dog had an unexpected surgery after a complication from being neutered, at the same time that I had back surgery. Both surgeries were successful, but reimbursement from Embrace was a breeze, while dealing with my insurance company, not so much. Thankfully, I now have Medicare, but I recall sending a note to Embrace saying my only disappointment was that they didn't insure people. I would never go without insurance from Embrace for my dog. It just makes fet decisions so easy. Do what is best for the dog and don't worry about paying.
Embrace Pet Insurance review
We’ve had Embrace for four years, never had a claim denied and every time we’ve submitted a claim it has been processed and any money coming back to us has been in our bank account within less than 5 business days. We love it!
Embrace Pet Insurance review
I have 2 10yr old Labs. Embrace has covered all things they have said they would withing the guidelines of the policy. They went out of their way to get my pups medical history and any additional information from the vets office. I don't know if the have the best overall coverage but i'm very happy with the coverage I have and the customer service that I receive. I absolutely recommend Embrace. And no, I have nothing to do with the company other than them being my chosen canine insurer.
Have a blessed day
Embrace Pet Insurance review
Review regarding online quoting system:
+ allows for seemingly every modification to the quote you would like to make
+ doesn't appear to have a one time administrative fee
+ definitely the best quoting site for pet insurance I've found so far
Healthy Paws Pet Insurance review
Regarding the online quoting system
+ let me include multiple pets on same quote
- can't figure out how to pay an annual amount rather than monthly
- they add $25 to the first payment for account set up =deal breaker
Healthy Paws Pet Insurance review
I've not actually had my pets covered under this insurer, but they are among the ones I obtained quotes from while shopping around. I have 2 cats; a 4 yr old male & a 12 yr old female. The female is actually in better health than the male, with his frequent UTIs, however because she is over 8 yrs old the best plan they will give me is a $500 deductible & 70% reimbursement, with various limitations. And at the same rate as the comprehensive plan for my male, which has a $100 deductible & reimburses at 90%.