Healthy Paws Pet Insurance vs. Embrace
One of the biggest differences between Healthy Paws and Embrace is that Healthy Paws offer accident & illness coverage without the option of wellness coverage while Embrace does offer a wellness option. Both companies have excellent customer service ratings and depending on the type of coverage you’re looking for they are both great options for any dog or cat!
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| Price: | Get a Quote | Get a Quote |
|---|---|---|
| Overall Rating: | ||
| Total Reviews: | 6,247 | 60,228 |
| Deductible: | $250, $500, or $1,000 | $100 - $1,000 |
| Reimbursement: | 70%, 80% or 90%* | 70%, 80%, or 90% |
| Annual Limit: | Unlimited | $5,000 - Unlimited |
| Company Profile: | Company Overview | Company Overview |
| Waiting Period for Accidents: | 15 days | 0 days |
| Waiting Period for Illnesses: | 15 days | 14 days |
| Waiting Period for Orthopedic Coverage: | 15 days** | Orthopedic conditions have additional waiting or exclusion periods that vary by state. |
| Emergency Care: | Included | Included |
| Accidents: | Included | Included |
| Illnesses: | Included | Included |
| Cancer Coverage: | Included | Included |
| Orthopedic Issues: | Included | Included |
| Hereditary Conditions: | Included | Included |
| Chronic Conditions: | Included | Included |
| Prescription Meds: | Included | Included |
| Wellness Coverage: | Excluded | Optional |
| Vet Restrictions: | None | None |
Healthy Paws vs. Embrace Pet Insurance
Both Embrace and Healthy Paws pet insurance are ranked very highly for both comprehensive coverage offerings and customer service. Healthy Paws is actually ranked as the highest-rated pet insurance company in America, but Embrace offers a range of customizable options and other innovations that puts them in the top-tier of the pet insurance industry.
Healthy Paws Pet Insurance
Healthy Paws was started in 2009 but has rapidly gained a huge customer base thanks to its excellent coverage plans, stellar customer service, and a mission to consistently improve their plans so that your pets continue to receive the best care possible.
- View the Healthy Paws general overview
- Deductible: $250 – $1,000
- Reimbursement: 70% – 90%*
- 90% reimbursement rate is not available in CA, FL, NJ, NY, and WA
- Emergency Care: Included
- Waiting period for accidents: 15 days
- Waiting period for illnesses: 15 days
Embrace Pet Insurance
Embrace is a popular choice for pet insurance because it allows you to customize the plan according to your pet’s needs and your budget. You can even choose your level of coverage, your deductible, and your reimbursement amount. An optional wellness product is also a good feature of this brand.
- View the Embrace general overview
- Deductible: $200 – $1,000
- Reimbursement: 70% – 90%
- Emergency Care: Included
- Waiting period for accidents: None
- Waiting period for illnesses: 14 days
Coverage Comparison
Both Embrace pet insurance and Healthy Paws offer comprehensive accident and illness coverage with their plans. However, Embrace offers an optional wellness product as an option, while Healthy Paws does not.
Price Comparison
Healthy Paws and Embrace pet insurance are both reputable and reliable pet insurance brands, and both have a number of features and options that make them very appealing. Review both of them to see which pet insurance brand is right for you.
Compare Healthy Paws
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Compare Embrace
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- Embrace vs. Figo
- Embrace vs. Nationwide
- Embrace vs. Petco
- Embrace vs. Fetch Pet Insurance
- Embrace vs. Pets Best
- Embrace vs. Trupanion
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Healthy Paws Pet Insurance Enrollment Requirements
- 90% reimbursement rate is not available in CA, FL, NJ, NY, and WA*
- 12-month waiting period for hip dysplasia**
- Must be enrolled before 6 for hip dysplasia coverage
- Minimum age: 8 weeks
- Maximum age: 14 years (4 years in New York state)
- A pet less than 6 years old on the date of enrollment must have undergone a complete clinical examination and the exam must have taken place either 12 months before the pet policy effective date or within 15 days following the pet policy effective date
- A pet 6 years old or older on the date of enrollment must have undergone a complete clinical examination within 30 days before the pet policy effective date or 15 days following the pet policy effective date
Embrace Pet Insurance Enrollment Requirements
- There is a $25 enrollment fee.
- The maximum enrollment age for full accident and illness coverage is 14 years old.
- Pets older than 15 are eligible for an accident-only policy.
- The minimum age for enrollment is six weeks.
- Pets must be examined by a licensed veterinarian 12 months before the policy start date. If there is no noted exam before the policy start date, an exam is required within the first 14 days of the policy.
- Pet parents can cancel policies immediately over the phone with no penalty.
- Claims must be submitted within the policy year plus 60 days.
Other Provisions
- There is a defined appeal process for claims.
- Reimbursement method: direct deposit or check.
- Prescription medications are included with all accident and illness policies.
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There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional waiting or exclusion periods that vary by state
*Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. Wellness Rewards is not available in Rhode Island.