Healthy Paws offers better pet insurance 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.
Embrace vs. Healthy Paws Pet Insurance
Updated: December 4, 2025
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Embrace vs. Healthy Paws Pet Insurance: Key Takeaways
Embrace provides more affordable pet insurance rates, with monthly premiums of $77 for middle-aged dogs and $46 for cats, while Healthy Paws charges $136 and $59 respectively.
Healthy Paws ranks fifth nationally in customer experience for both cats and dogs, though its 3.8 Trustpilot rating falls below Embrace's 4.1 score.
Healthy Paws demonstrates stronger coverage, ranking sixth nationwide compared to Embrace's tenth place position, with both providers offering accident coverage and wellness add-ons.
Is Embrace or Healthy Paws Pet Insurance Better?
Data filtered by:
Dog
| Affordability | Healthy Paws | 6 | 12 |
| Coverage | Healthy Paws | 6 | 10 |
| Customer Experience | Healthy Paws | 5 | 6 |
| Overall Score | Healthy Paws | 6 | 13 |
Learn more about the best pet insurance options for your pet across different situations:
Embrace and Healthy Paws Comparison by State
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.
Data filtered by:
Overall Score
Dog
| Alabama | Healthy Paws | 6 | 6 |
| Alaska | Healthy Paws | 6 | 6 |
| Arizona | Healthy Paws | 6 | 6 |
| Arkansas | Healthy Paws | 6 | 5 |
| California | Healthy Paws | 6 | 8 |
| Colorado | Healthy Paws | 6 | 8 |
| Connecticut | Healthy Paws | 6 | 7 |
| Delaware | Healthy Paws | 6 | 7 |
| Florida | Healthy Paws | 6 | 6 |
| Georgia | Healthy Paws | 6 | 8 |
| Hawaii | Healthy Paws | 6 | 8 |
| Idaho | Healthy Paws | 6 | 5 |
| Illinois | Healthy Paws | 6 | 5 |
| Indiana | Healthy Paws | 6 | 7 |
| Iowa | Healthy Paws | 6 | 7 |
| Kansas | Healthy Paws | 6 | 6 |
| Kentucky | Healthy Paws | 6 | 6 |
| Louisiana | Healthy Paws | 6 | 7 |
| Maine | Healthy Paws | 6 | 7 |
| Maryland | Healthy Paws | 6 | 7 |
| Massachusetts | Healthy Paws | 6 | 8 |
| Michigan | Healthy Paws | 6 | 6 |
| Minnesota | Healthy Paws | 6 | 8 |
| Mississippi | Healthy Paws | 6 | 6 |
| Missouri | Healthy Paws | 6 | 7 |
| Montana | Healthy Paws | 6 | 6 |
| Nebraska | Healthy Paws | 6 | 5 |
| Nevada | Healthy Paws | 6 | 5 |
| New Hampshire | Healthy Paws | 6 | 8 |
| New Jersey | Healthy Paws | 6 | 7 |
| New Mexico | Healthy Paws | 6 | 6 |
| New York | Healthy Paws | 6 | 7 |
| North Carolina | Healthy Paws | 6 | 8 |
| North Dakota | Healthy Paws | 6 | 6 |
| Ohio | Healthy Paws | 6 | 8 |
| Oklahoma | Healthy Paws | 6 | 6 |
| Oregon | Healthy Paws | 6 | 8 |
| Pennsylvania | Healthy Paws | 6 | 6 |
| Rhode Island | Healthy Paws | 6 | 7 |
| South Carolina | Healthy Paws | 6 | 6 |
| South Dakota | Healthy Paws | 6 | 7 |
| Tennessee | Healthy Paws | 6 | 5 |
| Texas | Healthy Paws | 6 | 6 |
| Utah | Healthy Paws | 6 | 8 |
| Vermont | Healthy Paws | 6 | 7 |
| Virginia | Healthy Paws | 6 | 8 |
| Washington | Healthy Paws | 6 | 7 |
| West Virginia | Healthy Paws | 6 | 6 |
| Wisconsin | Healthy Paws | 6 | 7 |
| Wyoming | Healthy Paws | 6 | 6 |
Embrace vs. Healthy Paws Pet Insurance Cost
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.
Data filtered by:
Select
| Kittens | Embrace | $21 | 51% |
| Young Cats | Healthy Paws | $27 | 4% |
| Puppies | Embrace | $33 | 32% |
| Young Dogs | Healthy Paws | $44 | 1% |
| Middle Aged Cats | Embrace | $46 | 22% |
| Senior Cats | Healthy Paws | $63 | 35% |
| Middle Aged Dogs | Embrace | $77 | 44% |
| Senior Dogs | Healthy Paws | $115 | 40% |
Embrace vs. Healthy Paws Pet Insurance Cost by State
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.
Data filtered by:
Middle Aged Dogs
| Alabama | Embrace | $57 | 44% |
| Alaska | Embrace | $75 | 44% |
| Arizona | Embrace | $93 | 44% |
| Arkansas | Embrace | $51 | 44% |
| California | Embrace | $97 | 44% |
| Colorado | Embrace | $97 | 44% |
| Connecticut | Embrace | $88 | 44% |
| Delaware | Embrace | $77 | 44% |
| Florida | Embrace | $87 | 44% |
| Georgia | Embrace | $69 | 44% |
| Hawaii | Embrace | $78 | 44% |
| Idaho | Embrace | $77 | 44% |
| Illinois | Embrace | $95 | 44% |
| Indiana | Embrace | $69 | 44% |
| Iowa | Embrace | $65 | 44% |
| Kansas | Embrace | $70 | 44% |
| Kentucky | Embrace | $61 | 44% |
| Louisiana | Embrace | $62 | 44% |
| Maine | Embrace | $93 | 44% |
| Maryland | Embrace | $76 | 43% |
| Massachusetts | Embrace | $99 | 44% |
| Michigan | Embrace | $77 | 44% |
| Minnesota | Embrace | $80 | 44% |
| Mississippi | Embrace | $65 | 44% |
| Missouri | Embrace | $61 | 44% |
| Montana | Embrace | $64 | 44% |
| Nebraska | Embrace | $69 | 44% |
| Nevada | Embrace | $79 | 44% |
| New Hampshire | Embrace | $89 | 44% |
| New Jersey | Embrace | $87 | 44% |
| New Mexico | Embrace | $68 | 44% |
| New York | Embrace | $83 | 44% |
| North Carolina | Embrace | $69 | 44% |
| North Dakota | Embrace | $59 | 44% |
| Ohio | Embrace | $71 | 44% |
| Oklahoma | Embrace | $64 | 44% |
| Oregon | Embrace | $96 | 44% |
| Pennsylvania | Embrace | $80 | 44% |
| Rhode Island | Embrace | $67 | 44% |
| South Carolina | Embrace | $73 | 44% |
| South Dakota | Embrace | $68 | 44% |
| Tennessee | Embrace | $71 | 44% |
| Texas | Embrace | $81 | 44% |
| Utah | Embrace | $73 | 44% |
| Vermont | Embrace | $71 | 44% |
| Virginia | Embrace | $82 | 43% |
| Washington | Embrace | $89 | 44% |
| West Virginia | Embrace | $66 | 44% |
| Wisconsin | Embrace | $82 | 44% |
| Wyoming | Embrace | $71 | 44% |
Embrace vs. Healthy Paws Pet Insurance Discounts
Embrace offers two pet insurance discounts, while Healthy Paws has none. The table below outlines discount offerings available from the two providers.
Multiple pets | Receive 10% off when you enroll multiple pets with Embrace. | None. |
Military | 5% savings for active or former members of the U.S. Air Force, Army, Marines, Navy or Coast Guard. | None. |
Embrace vs. Healthy Paws Pet Insurance Customer Experience
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.
Embrace vs Healthy Paws Trustpilot Ratings
Embrace earns a higher Trustpilot rating at 4.1 out of 5.0 compared to Healthy Paws' 3.9 out of 5.0. These verified customer reviews indicate slightly stronger overall satisfaction with Embrace's claims process and customer experience.
Embrace vs Healthy Paws BBB Ratings
Both providers maintain A+ BBB ratings with full accreditation, including Healthy Paws. These identical ratings reflect strong complaint handling, transparency and ethical business practices for both companies.
Embrace vs Healthy Paws Pet Insurance Reddit Sentiment
We analyzed Reddit discussions and found Embrace received 29% positive sentiment from 21 total comments, while Healthy Paws achieved 20% positive from 40 comments. Both providers show mixed customer feedback on Reddit, though Embrace demonstrates slightly better user sentiment overall.
Embrace vs. Healthy Paws Pet Insurance Coverage
Healthy Paws offers better pet insurance coverage for dogs and cats than Embrace, ranking sixth nationally while Embrace ranks eighth. It's worth noting, however, that Embrace offers more coverage options and shorter waiting periods than Healthy Paws.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | ✓ | X |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓* | |
$100, $250, $500, $750, $1,000 | $250, $500, $1,000 | |
$2,000, $5,000, $8,000, $10,000, $15,000, Unlimited | Unlimited | |
70%, 80%, 90% | 70%, 80%, 90% | |
Immediate coverage for accidents, 14 days for illnesses, 6 months for orthopedic conditions | 15 days for illnesses and accidents, 12 months for hip dysplasia | |
Age restrictions | Pets 15 years old and older limited to accident-only plans | Only covers pets up to 14 years old |
Pre‑existing conditions | Curable pre‑existing conditions may be eligible after 12 symptom‑free months | Conditions that developed before enrollment or during waiting periods are permanently excluded |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Embrace vs. Healthy Paws Pet Insurance Add-ons
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.
Embrace Pet Insurance Add-ons
Embrace offers the following optional add‑ons:
Healthy Paws Pet Insurance Add-ons
Healthy Paws doesn't offer optional wellness plans that cover routine care, like vaccinations, spay/neuter procedure and flea/tick prevention.
Embrace vs. Healthy Paws Pet Insurance: Bottom Line
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 other major pet insurance companies to determine the best choice for your pet:
Embrace vs. Healthy Paws Pet Insurance Comparison: FAQ
Compare Embrace and Healthy Paws pet insurance through these common questions:
Which is cheaper: Embrace vs Healthy Paws pet insurance?
Neither provider consistently costs less across all pet categories. Embrace offers cheaper rates for puppies, kittens, and middle-aged pets, while Healthy Paws costs less for young and senior animals. Middle-aged dogs show the biggest difference, with Embrace at $77 monthly versus Healthy Paws at $136.
Which has better customer service: Embrace vs Healthy Paws pet insurance?
Healthy Paws delivers superior customer service, ranking 5th nationally for customer experience compared to Embrace's 6th-place ranking. Healthy Paws maintains a 3.9 out of 5.0 Trustpilot score and an A+ BBB rating, while Embrace holds a 4.1 Trustpilot score and an A+ BBB rating.
Which offers better coverage: Embrace vs Healthy Paws pet insurance?
Healthy Paws offers better coverage, ranking 6th nationally compared to Embrace's 10th-place ranking for both cats and dogs. Healthy Paws focuses on comprehensive accident and illness coverage with fewer restrictions, while Embrace provides more add-on options including wellness plans and prescription drug coverage. Both cover standard veterinary care like diagnostics, surgeries and medications, but Embrace allows greater customization through its optional coverage additions.
Can I switch from Embrace vs Healthy Paws pet insurance or vice versa?
Yes, you can switch between Embrace and Healthy Paws by canceling your current policy and purchasing a new one. However, new waiting periods will apply: 14 days for illnesses and six months for orthopedic conditions with both providers. Any conditions diagnosed under your previous policy become pre-existing with your new insurer.
Does Embrace vs Healthy Paws cover pre-existing conditions?
Neither Embrace nor Healthy Paws covers pre-existing conditions initially. However, both companies may provide coverage for curable conditions after a waiting period. Embrace covers curable pre-existing conditions after 12 consecutive months without symptoms, treatment, or medication. Healthy Paws offers similar coverage for curable conditions after one full year symptom-free.
Can I get discounts with both Embrace vs Healthy Paws pet insurance?
Yes, both Embrace and Healthy Paws offer discounts to help reduce premium costs. Embrace provides multiple discount options, including 10% off for multi-pet households, 5% for military members and 10% for certain group affiliations. Healthy Paws offers fewer discount types but includes 5% savings for annual payment plans and multi-pet discounts.
What are the age limits for Embrace vs Healthy Paws pet insurance?
Healthy Paws accepts pets from 8 weeks old with no upper age limit for enrollment. Embrace also starts coverage at 8 weeks but typically stops accepting new enrollments for pets over 14 years old. This age restriction makes Healthy Paws the better option for senior pet owners seeking new coverage.
How We Scored Embrace vs. Healthy Paws Pet Insurance
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.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.