Healthy Paws and 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.
Healthy Paws vs. Embrace Comparison – The Highlights
Healthy Paws is on everyone’s top 10 list and there’s a reason why!
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 nice 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.
Benefit limits cap at $15,000, however, which can be limiting if your pet gets in a serious accident.
Coverage Compared In-Depth
Healthy Paws and Embrace both offer very well-rounded coverage that is very inclusive, while Embrace also offers wellness plans.
Healthy Paws offers all types of treatments including:
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:
They have an advantage over Healthy Paws by including the vet exam fee, which is unique among providers.
While their benefit limits have a cap at $15,000, they do offer many deductible and reimbursement choices so policyholders can budget accordingly.
If wellness plans are of interest, Embrace offers three different plans from $250 to $650.
It is basically 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.
Embrace also includes holistic and alternative therapies including Reiki as part of their standard coverage.
Benefit Limits Compared
Healthy Paws definitely has the advantage when it comes to benefit limits as they have no cap at all in all of their plans, while Embrace doesn’t offer unlimited benefits in any of their plans.
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 from $5,000 to $15,000. While these ranges help control the premium costs, it can be extremely restricting if your pet has a big medical bill.
Healthy Paws and Embrace both works on an annual deductible and not per-incident.
How an annual deductible works is that you choose 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 offers many choices of deductibles which include the following amounts: $100, $200, $300, $750 and even $1000 to help really cater a plan to your budget needs.
Embrace’s Healthy Pet Deductible allows policyholders to reduce their premium by $50 each year that they don’t make a claim 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.
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:
If you choose the lowest reimbursement level of 70%, you will have a lower premium.
Embrace has the following reimbursement level choices:
And with the Wellness rewards, they will reimburse you an allowance ranging from $250 to $650 depending on the plan you choose.
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!
Healthy Paws offers many discounts that can help lower your bill:
A 10% premium reduction for the following:
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.
A 5 % discount is available for the following:
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.
Claims and Service Compared
Healthy Paws and 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 WhiskerDocs 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 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.
You don’t need your pet’s medical records to enroll.
Embrace’s waiting period for both accidents and illnesses are 14 days. Some states are even shorter with a mere two-day waiting period.
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 and Embrace are both top providers that offer all you can want in coverage.
Healthy Paws has the advantage of the unlimited benefit options while Embrace gives a few more choices of deductibles and 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 getting some further quotes, our top 10 pet insurance companies of 2019 will give you some other excellent providers!