Embrace vs. Healthy Paws Pet Insurance

Healthy Paws offers better pet insurance coverage for dogs and cats than Embrace, ranking sixth nationally while Embrace ranks tenth. Both providers offer similar deductible options and reimbursement rates, but Healthy Paws provides higher annual coverage limits, shorter waiting periods for accidents, and more flexible policy adjustment options during the first 30 days of coverage.

Healthy Paws dominates nationwide as the best pet insurance company in all 50 states for both cats and dogs. This complete market leadership demonstrates consistent value and reliable coverage across every state in the country.

Pet insurance costs vary between Embrace and Healthy Paws depending on your pet's age. Embrace offers better rates for middle-aged pets, charging $77 monthly for dogs compared with Healthy Paws' $136, and $46 for cats versus $59. However, Healthy Paws is more affordable for senior pets.

Learn how much pet insurance costs across different age categories.

Pricing varies by pet age, with both providers offering cheapest pet insurance in different categories. Embrace leads for middle-aged dogs and cats plus puppies and kittens. Healthy Paws offers lower rates for young adult and senior pets across all states.

Embrace offers more pet insurance discounts than Healthy Paws. While Healthy Paws doesn’t offer any standard discounts, Embrace provides savings through loyalty programs and optional promotional offers. The table below compares available discounts for each provider.

Healthy Paws delivers better customer experience than Embrace, ranking fifth nationally for both dogs and cats in our analysis. While both providers maintain A+ BBB ratings, Healthy Paws consistently outperforms Embrace in customer service quality. Embrace shows slightly higher Trustpilot ratings, but Healthy Paws proves more reliable in real-world customer interactions and support.

Healthy Paws offers better pet insurance coverage for dogs and cats than Embrace, ranking sixth nationally while Embrace ranks eighth. Both companies provide comparable options for deductibles, annual limits and reimbursement rates, but Healthy Paws has a shorter waiting period for accidents, more coverage selection flexibility and allows pet owners to change their coverage within the first 14 days of purchase.

Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.

Embrace and Healthy Paws take very different approaches to add‑ons and optional wellness coverage. While Embrace offers a dedicated wellness membership add‑on, Healthy Paws keeps its base policy lean (covering only accidents & illnesses) and does not support optional wellness add‑ons. Both approaches reflect a different mindset about routine vs. unexpected pet care.

Embrace offers one primary optional add‑on—its wellness membership—that enhances our pets’ routine and preventive care options:

• Wellness Rewards membership: A non‑insurance add‑on you can add to your accident & illness plan. It reimburses for wellness exams, vaccinations, flea/tick/heartworm prevention, dental cleaning, spay/neuter, microchipping, grooming, training and nutritional support.
• Routine diagnosis & screening coverage via wellness plan: The Wellness Rewards membership covers blood and fecal tests, urinalysis and other wellness diagnostics, helping you detect issues early and avoid larger illness bills later.
• Flexible benefit tiers: Embrace offers different annual allotments for the wellness add‑on (for example $300, $500, $700 per year) so you can pick the level of routine‑care support you want.

Healthy Paws takes a different route and does not offer wellness or routine care add‑ons:

• No dedicated wellness add‑on available: The plan is designed exclusively to cover unexpected accidents and illnesses and explicitly states that routine care (vaccinations, spay/neuter, F/T prevention, grooming) is not included.
• Simplicity‑first model: Because there’s no add‑on for wellness, you have fewer moving parts—what you pay covers what you see: diagnostic, illness, treatment services.
• Alternative route for routine care: If routine or preventative services matter to you, the Healthy Paws site encourages budgeting separately or purchasing a standalone wellness plan via your vet rather than through the insurer.

Healthy Paws beats Embrace overall, delivering superior coverage options and customer service. Healthy Paws offers comprehensive accident and illness protection with no annual or lifetime benefit caps, giving pet owners more financial security. The provider also excels in customer service, earning a 3.8 out of 5.0 Trustpilot rating and an A+ BBB rating. However, Embrace offers more affordable premiums, with rates starting at $77 per month for middle-aged dogs and $46 for cats.

Compare Embrace and Healthy Paws pet insurance through these common questions:

Evaluating Embrace vs Healthy Paws required collecting data using identical pet profiles and coverage parameters. We obtained quotes from both providers using standardized policy settings to ensure fair comparison.

• $5,000 annual limit
• 80% reimbursement rate
• $500 deductible
• 6-year-old Labrador Retriever for dog coverage
• 7-year-old Ragdoll for cat coverage

Our analysis used three key factors, weighted by their importance to pet owners:

Affordability (50% of score): We collected premium quotes across multiple coverage options and pet ages to assess actual costs, including available discounts that affect final pricing.

Customer Experience (30% of score): We analyzed Trustpilot ratings and online reviews to evaluate customer satisfaction with claims processing and support services.

Coverage (20% of score): We examined policy features, waiting periods and available add-ons to determine which provider offers more comprehensive pet health protection.