Compare Embrace vs. Healthy Paws Pet Insurance

As two of our highest rated pet insurance providers, both Embrace and Healthy Paws have outstanding feedback from consumers and industry professionals alike.

While both companies can offer owners and their furry loved ones comprehensive coverage that will fit most of their needs, these two leading providers differ in some critical areas, such as benefit limits, deductible claims, services, enrollment, and price point. 

Both companies offer all the major coverage areas which include accidents, illnesses, hereditary and congenital issues, cancer, chronic illnesses, and accidental dental.

One aspect of Embrace’s coverage that potential consumers may find appealing is that the company covers unusual accidents, illnesses, and various items that many pet insurance providers typically don’t cover such as prosthetic limbs, mobility aids, and behavioral therapy.

Likewise, the company also covers dental illnesses while many providers will only cover accidental dental issues, like a broken tooth. 

Compared to many other pet insurance providers, Healthy Paws offers the most comprehensive coverage – notably without caps or limits. Their policies cover all accidents and illnesses without restrictions on hereditary or congenital conditions. 

Embrace tends to have slightly higher priced policies when compared to other companies.

However, with a low annual limit and a high deductible, it’s possible to get a lower payment.

Embrace's starting monthly premiums are often as low as $13.04 for dogs and $8.98 for cats.

Although on paper, Healthy Paws starting premiums look a lot higher (at $32.83 and $17.19 for dogs and cats respectively) this is actually a considerable value considering there are no limits of any kind as well as customizable payout percentages and deductibles.

Additionally, the company offers special rates for AAA and AMAC members, as well as other discounts. 

Embrace wellness claims (for wellness care such as checkups, shots, or other preventative medicine) typically take about five business days, following the receipt of all the necessary information, while illness and accident claims take 10 to 15 business days.

Healthy Paws has a proven track record of fulfilling claims quickly with 99% of the company’s claims being processed in two days. Both offer the ability to file claims online, but Healthy Paws also offers claim filing through their mobile app.