Healthy Paws vs. Embrace

Healthy Paws vs. Embrace

As pets are continuing to become a bigger part of the family unit, pet owners are attempting to provide their pets with the best possible medical care. In many cases, this involves purchasing pet insurance to help offset the expense of unexpected vet bills for injuries or illness. Knowing which company is best can be a challenge, especially with so many companies from which to choose. To make it a little easier, we’re providing you with information on Healthy Paws and Embrace, two very well-known and popular insurance companies.


The amount or type of coverage a pet insurance company offers is important when purchasing pet insurance. Both Healthy Paws and Embrace cover the following services.

  • Specialty care
  • Emergency care
  • Blood tests
  • X-rays
  • Ultrasounds
  • Surgery
  • MRIs
  • Rehabilitation
  • Hospitalization
  • Hip dysplasia
  • Non-routine dental care
  • Chronic conditions
  • Illnesses
  • Accidents
  • Diagnostic treatment
  • Hereditary conditions
  • Congenital conditions
  • Cancer treatments
  • Holistic/alternative therapy

Healthy Paws covers prescription medications at no additional cost, while Embrace offers it as an add-on for a fee. Wellness checks for things like vaccinations, checkups, teeth cleaning and sterilization are not covered by Healthy Paws but are covered by Embrace for an extra fee. Neither company covers pre-existing conditions. Exam fees and behavioral therapy are covered by Embrace by not by Healthy Paws.

They both offer coverage with reimbursement levels at 70%, 80% and 90%. Healthy Paws and Embrace both offer various deductible amounts. Embrace offers a “Healthy Pet” deductible that lowers your pet’s deductible by $50 each year the pet goes without having a claim.


TIE – There was no winner in this category because both companies offered similar coverage on the most important items. The fact that Embrace covers checkups and vaccinations (even if for a fee) was important, but customers also like that Healthy Paws covers prescriptions at no additional cost.

Sample Quotes/Cost

The amount you pay for premiums is based on several factors. The premium for a dog is typically higher than what you’d expect to pay for a cat. The premium you’ll pay for pet insurance on your dog is based on these factors.

  • Breed of dog
  • Size of dog
  • Age of dog
  • Deductible
  • Location

To give you a general idea of how Healthy Paws and Embrace compare in terms of cost, we’ve put together a few sample quotes from both companies using different variables.

The first quote is for a 4-year old, female German shepherd dog. The Healthy Paws policy includes a $250 deductible, an 80% reimbursement rate and an unlimited payout amount. The monthly premium rate for this Healthy Paws policy is $51.42.

Embrace offers a similar policy with a $300 deductible, an 80% reimbursement rate and a $30,000 maximum payout amount. Their monthly premium for the same dog is $63.71. When we lowered the deductible to $200, the premium was $70.69.

The second quote was for a 1-year old, male mixed-breed dog that weighs 20 pounds. The Healthy Paws policy includes a $250 deductible, an 80% reimbursement rate and an unlimited payout amount. The monthly premium for this Healthy Paws policy is $19.23.

Embrace’s policy has a $300 deductible, an 80% reimbursement rate and a $30,000 maximum payout amount. Their monthly premium for the same dog is $33.38. With a $200 deductible, the premium was $37.04.

Finally, we did up a Healthy Paws quote for a female, mixed breed one-year-old cat. The policy offers a $250 deductible an 80% reimbursement rate and an unlimited payout amount. The monthly premium for the most popular Healthy Paws policy is $11.01.

When doing the quote through Embrace, the premium for a Comprehensive plan was $14.72 for $300 deductible, an 80% reimbursement rate and a $30,000 maximum payout amount. When we changed the annual deductible to $200, the premium changed to $16.33.


HEALTHY PAWS – When comparing the two companies, Healthy Paw came up the winner every time in terms of premiums. Even when we made adjustments for Embrace deductible’s, the premium with Healthy Paws was lower.


Claims or how companies handle claims is probably one of the most important factors when choosing a pet insurance company. Both Healthy Paws and Embrace have very good claims response times. Approximately 99% of Healthy Paws pays their claims within two days. They also don’t have any annual, per-incident of lifetime caps on what they’ll pay. Since they’ve eliminated conventional claim forms, submitting a claim has never been easier. All you need to do is take a picture of the bill and submit it to Healthy Paws.

Embrace takes a little longer to process claims. Once they receive your claim, which must be on a claim form, they pay out within 5 to 10 days for accident and illness claims. They’re slightly quicker with wellness claims. If you sign up for direct deposit, you may get your money in 2 to 3 days. They both have a 14-day waiting period for illnesses. For accidents, Healthy Paws has a waiting period of 15 days, while the Embrace is 48 hours.


HEALTHY PAWS came out the winner mostly because of the no cap on claims. That’s huge among pet owners because we never know how often our pets will get sick or injured per year or per lifetime. Customers also like the fast claim processing for Healthy Paws.

Customer Satisfaction

After researching both companies, we determined that both companies have excellent customer service, and customers are very happy with them for the most part. Healthy Paws is more readily available to customers. Embrace has more limited phone hours and are often difficult to reach. Many customers raved about the personal service that Healthy Paws offered regarding the customer’s sick pet. The main complain customers had about Embrace was the waiting periods and slower processing of claims.


HEALTHY PAWS – This was very difficult to decide because both of these companies are well-loved by customers, but Healthy Paws won by a sliver.

Overall Winner

Overall, Healthy Paws came out the winner. Customers don’t always go over all the fine print and may not be aware of what different policies offer. What they do pay attention to is if they pay, when they pay, how much they have to pay and how they treat their customers. In all these categories, Healthy Paws came out ahead.

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