Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Jun 10, 2021

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Healthy Paws vs Embrace are two of the top pet insurance companies in the United States.

Both offer excellent coverage, competitive pricing, and excellent service.

While both are popular and offer comprehensive services, there are some differences.

Our in-depth review will cover their differences as well as their various plans and coverage.

Need Pet Insurance?

FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!

Healthy Paws vs Embrace Comparison – The Highlights

Healthy Paws is on everyone’s top 10 list, and there’s a reason why!

healthy paws vs embrace

All of their plans have unlimited benefits, so you never have to worry about hitting a maximum in vet bills.

With competitive pricing, standard waiting lists, and many reimbursement choices, any pet owner can budget their monthly premiums with ease.

It’s also helpful to know that the BBB has ranked Healthy Paws with an A+ rating.

Embrace is known for excellent customer service and happy policyholders.

Their pricing is a little on the higher end, but their comprehensive insurance plans are very inclusive with alternative therapy and wellness choices.

The benefit limits for Healthy Paws cap at $15,000, which can be limiting if your pet gets in a serious accident.

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Embrace vs Healthy Paws Coverage Compared In-Depth

Healthy Paws vs Embrace both offer very inclusive and well-rounded coverage, while Embrace also offers wellness plans.

Healthy Paws offers all types of treatments, including:

  • Alternative Therapy including Physical Therapy
  • Chiropractic Care
  • Hydrotherapy

All congenital and hereditary conditions are covered, including cancer.

With all these services and unlimited benefits, their coverage could be considered all-inclusive.

Embrace’s standard plan also covers:

  • Alternative Therapy
  • Prosthetics
  • Behavioral Therapy (which most insurers don’t typically include)

They have an advantage over Healthy Paws by including the vet exam fee, which is unique among providers.

While their benefit limit is $30,000 maximum in all states online except NY (where it’s $15,000), they do offer many deductible and reimbursement choices so policyholders can budget accordingly.

Embrace offers unlimited coverage in most states via phone enrollment.

If wellness plans are of interest, Embrace offers three different plans from $250 to $650.

It is an allowance towards most preventative care routines. There is, of course, an extra cost for these services, which is an add-on to the policy you choose.

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Embrace also includes holistic and alternative therapies including acupuncture, chiropractic care, physical therapy, hydrotherapy and laser therapy.

 

Related: 10 Things You Must Know Before You Buy Pet Insurance

Benefit Limits Compared Healthy Paws vs Embrace

Healthy Paws has the advantage when it comes to benefit limits as they have no cap at all in all of their plans, while Embrace only offers unlimited coverage in most states via phone enrollment.

Healthy Paws doesn’t have a limit on how much you can spend on your pet each year or even throughout the life of your pet.

These unlimited caps are even in Healthy Paws’ most basic plan.

If your pet has a serious disease or needs emergency care, it’s a relief to know that there isn’t a cap on the vet bills for the year.  You can rightfully worry about your pet and not the cost!

Embrace’s plans, however, have limits of $30,000 in all states online except NY where it’s $15,000.  While these ranges help control the premium costs, it can be extremely restricting if your pet has a big medical bill.

Keep in mind, however, that Embrace offers unlimited coverage in most states via phone enrollment.

 

Real Cost Savings from PetFirst Clients

Luna

PetFirst saved his parents

$6,712

A happy energetic Luna one morning couldn’t hold her food down. After months of multiple costly vet visits to specialists and an endoscopy, the problem was discovered and fixed. Luna put 22 pounds back on in no time and her parents were grateful for having PetFirst by their side to pay the bills.

Deductibles Embrace Pet Insurance vs Healthy Paws Compared

Healthy Paws vs Embrace both works on an annual deductible and not per-incident.

An annual deductible works by you choosing a deductible amount each policy year.

This will be the first payment you make before any reimbursement is distributed by the pet insurance provider.

With Healthy Paws, you have a few choices of deductibles that range from a low of $100 to a high of $500.

If you want your premium to be lower, then choose a deductible on the higher end of the range.

embrace vs healthy paws

Embrace offers many choices of deductibles which include the following amounts: $200, $500, $750, and even $1000 to help cater a plan to your budget needs.

Embrace’s Healthy Pet Deductible lowers policyholders’ deductibles by $50 for every policy year that they don’t receive a reimbursement, which is a great perk.

As with any annual deductible, you pay it once a year and it resets at the beginning of the policy year.

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Reimbursements Compared

Both Healthy Paws and Embrace have flexibility in their reimbursement choices that are paid off the actual medical bill (always the best choice).

Healthy Paws has the following reimbursement levels:

  • 70%
  • 80%
  • 90%

If you choose the lowest reimbursement level of 70%, you will have a lower premium.

Embrace has the following reimbursement level choices:

 

 

  • 70%
  • 80%
  • 90%

And with the Wellness rewards, they will reimburse you an allowance ranging from $250 to $650 depending on the plan you choose.

 

Healthy Paws vs Embrace Pricing Compared

Healthy Paws and Embrace are both competitively priced.

While Embrace’s prices are lower for younger pets, the unlimited benefits in all of Healthy Paws plans make your dollar go much further, as compared to Embrace’s unlimited annual maximums offered in most states only via phone enrollments.

Healthy Paws offers many discounts that can help lower your bill:

A 10% premium reduction for the following:

  • Animal Welfare Volunteers
  • Alumni Organizations
  • AAA, AARP, and Costco Members
  • Military Service

A 15% lifetime discount (which can add up!) for employee plans.

Healthy Paws’ monthly premiums for dogs start at $27 while cats start at $17.

Embrace offers discounts for the following:  

  • Neutered or spayed cats and dogs (5% discount only available in NY)
  • Enrolling multiple pets (discount is 10% in all states except NY, where it is 5%)
  • $12 discount for paying the entire year up front
  • Military members (5% in most states)
  • Direct payment from your bank (only in NY)

You can further adjust your premiums with one of their many deductible choices.

Embrace’s monthly premiums for dogs start at $14 while cats start at $9.

 

Sample Quotes For Healthy Paws vs Embrace Pet Insurance

All of these quotes when possible used the following factors in calculating the estimated pet insurance premium cost for your dog in 2021. 

When possible the data we entered for these prices was as follows; a female, puppy under the age of 12 months, with unlimited coverage (or max offered when unlimited not an option), a $500 deductible, and 70% reimbursement. We did not include the wellness checkup add-on when available. 

Keep in mind that insurance rates are ever-changing and what seems like minor changes such as, your zip code or breed can actually make a major impact on the cost of pet insurance. 

These Pet Insurance Company Price charts are a good tool, not a guarantee of rates, do your own research before you buy. 

*PetFirst first monthly payment has an additional $10-$15 startup fee, the number in this chart is the monthly cost after paying the first-month extra charge.

**Trupanion only offers 90% reimbursement, all other companies’ sample quotes are based on a 70% reimbursement policy which is why Trupanion may appear to cost more. 

Healthy Paws vs Embrace – Small Mixed Breed Costs Compared

CompanyMonthly Premium
Healthy Paws Pet Insurance$20.37
Embrace Pet Insurance$29.58
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Medium Crossbred Dogs Price Differences For Embrace Pet Insurance vs Healthy Paws

CompanyMonthly Premium
Healthy Paws Pet Insurance$29.71
Embrace Pet Insurance$34.31
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Comparison Of Cost For Large Mixed Breed Dogs – Healthy Paws vs Embrace

CompanyMonthly Premium
Healthy Paws Pet Insurance$43.89
Embrace Pet Insurance$51.47
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Labrador Retriever Costs Embrace Insurance vs Healthy Paws Insurance

CompanyMonthly Premium
Healthy Paws Pet Insurance$43.89
Embrace Pet Insurance$51.47
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German Shepherd Costs Embrace vs Healthy Paws

CompanyMonthly Premium
Healthy Paws Pet Insurance$43.89
Embrace Pet Insurance$51.47
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Poodle Costs Healthy Paws Insurance vs Embrace Pet Insurance

CompanyMonthly Premium
Healthy Paws Pet Insurance$36.05
Embrace Pet Insurance$59.75
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Beagle Costs Healthy Paws Pet Insurance vs Embrace

CompanyMonthly Premium
Healthy Paws Pet Insurance$32.63
Embrace Pet Insurance$48.51
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Dachshund Costs Healthy Paws vs Embrace Insurance

CompanyMonthly Premium
Healthy Paws Pet Insurance$32.63
Embrace Pet Insurance$41.71
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When comparing Healthy Paws to Embrace Pet Insurance on price alone, Healthy Paws is a bit less expensive. 

The reality is, Healthy Paws and Embrace are really close in price and both are generally two companies that prices are the best. 

 

Real Cost Savings from PetFirst Clients

Gidget

PetFirst saved his parents

$2,194

Artemis was a beautiful and friendly cat to all who were willing to pet him. Unfortunately, he developed feline diabetes which required regular vet visits and medications that his Mother could not otherwise afford on her fixed income. Having PetFirst insurance, she called and discussed the problem with a friendly PetFirst agent. To her surprise, she found out that Artemis’ ongoing required vet visits and medication would be covered by his PetFirst insurance. Artemis was able to live out the rest of his life with proper medical care and medicines thanks to PetFirst insurance.

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Claims and Service Compared

Healthy Paws vs Embrace have very positive reviews and are known for their great customer service.

Healthy Paws can boast and rightfully so about their claims being paid back within 5 days. And with policy members enjoying the ease at which claims are fulfilled.

Healthy Paws customer service is always available –24/7!

Embrace is equally praised by their policyholders for the ease of which their claims are fulfilled.

You simply can upload your invoice through their online portal, MyEmbrace, where you can even see the status. Most claims are reimbursed within 2 weeks.

If you have any questions about your pet’s health, Embrace’s PawSupport is available around the clock and give you access to vet experts.

It’s a nice addition if you have any questions about your dog or cat’s health.

Enrollment and Waiting Periods Compared

healthy paws vs embrace pet insurance policies

Healthy Paws and Embrace’s waiting periods and age limits are very similar and standard of the industry.

Healthy Paws waiting period for accidents is 5 days and illness is 15 days, while hip dysplasia has a one-year waiting period.

Puppies and kittens can enroll at eight weeks, and the upper age limit is 13 years.

You don’t need your pet’s medical records to enroll.

Embrace’s waiting periods are 2 days for accidents and 14 days for illnesses.

A 6-month waiting period is required for orthopedic conditions, but if you talk to your vet before enrolling and all is clear, the waiting period can be reduced to 14 days.

Puppies and kittens can be enrolled at six weeks, and the upper age limit is 14 years.

Summing It All Up

Healthy Paws vs Embrace are both top providers that offer all you can want in coverage.

Healthy Paws has the advantage of the unlimited benefit options that Embrace only offers in most states via phone enrollment, and Embrace gives a few more choices of deductibles, reimbursements, and wellness plans, if that is of interest to you.

Of course, the choice is yours.   Get a list of questions ready and get quotes from each of them to see which caters best to your pet and your budget.

And, of course, if you are interested in comparing other pet insurance companies or getting some further quotes, our top 10 pet insurance companies for 2020 will give you some other excellent providers!

 

Other articles you may find helpful: 

Is Exotic Pet Insurance Necessary? 

The Best Pet Insurance By State 

What Is Pet Insurance?

Fun Facts, Dog FAQ’s, And Unsolicited Dog Advice

5 Training Commands to Save Your Dog’s Life

The Ultimate Guide to Safe Foods for Dogs

Dog Health Problems

Dog Breeds

CAT FAQ’s

Cat Health Problems

Cat Breeds

You may find helpful one of our other Best Pet Insurance Reviews which include over 35 top insurers compared with cheap and affordable pet insurance and discounted mixed breed pet insurance

 

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