Healthy Paws offers better pet insurance for dogs and cats than Embrace, according to MoneyGeek's analysis of major pet insurance companies. Whether you're looking for lower rates, stronger customer service or broader coverage, Healthy Paws is the better choice over Embrace.
Embrace vs. Healthy Paws Pet Insurance
Updated: April 28, 2026
Advertising & Editorial Disclosure
Embrace vs. Healthy Paws Pet Insurance: Key Takeaways
Healthy Paws is more affordable than Embrace, especially for young and senior pets, allowing you to save up to 40% on premiums for senior dog coverage.
Healthy Paws outperforms Embrace on customer service, with a 4.1 out of 5 rating on Trustpilot and an A+ rating from the BBB, though its overall positive sentiment on Reddit is low at 20%.
Healthy Paws provides better coverage than Embrace, winning against its competitor by offering to pay licensed veterinarians directly to reduce upfront costs.
Is Embrace or Healthy Paws Pet Insurance Better?
Data filtered by:
Overall Score
| Cat | Healthy Paws | 6 | 14 |
| Dog | Healthy Paws | 6 | 13 |
How We Decided the Winning Pet Insurance Provider
All scores presented here were based on averages for experiences and pricing for a 6-year-old Labrador Retriever and 7-year-old Ragdoll, with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Learn more about the best pet insurance options for your pet across different situations:
Embrace and Healthy Paws Comparison by State
When comparing Embrace and Healthy Paws for the best pet insurance, Healthy Paws leads against Embrace in all 50 states for dogs and cats.
Data filtered by:
Select
| Alabama | Cat | Healthy Paws |
| Alabama | Dog | Healthy Paws |
| Alaska | Cat | Healthy Paws |
| Alaska | Dog | Healthy Paws |
| Arizona | Cat | Healthy Paws |
| Arizona | Dog | Healthy Paws |
| Arkansas | Cat | Healthy Paws |
| Arkansas | Dog | Healthy Paws |
| California | Cat | Healthy Paws |
| California | Dog | Healthy Paws |
| Colorado | Cat | Healthy Paws |
| Colorado | Dog | Healthy Paws |
| Connecticut | Cat | Healthy Paws |
| Connecticut | Dog | Healthy Paws |
| Delaware | Cat | Healthy Paws |
| Delaware | Dog | Healthy Paws |
| Florida | Cat | Healthy Paws |
| Florida | Dog | Healthy Paws |
| Georgia | Cat | Healthy Paws |
| Georgia | Dog | Healthy Paws |
| Hawaii | Cat | Healthy Paws |
| Hawaii | Dog | Healthy Paws |
| Idaho | Cat | Healthy Paws |
| Idaho | Dog | Healthy Paws |
| Illinois | Cat | Healthy Paws |
| Illinois | Dog | Healthy Paws |
| Indiana | Cat | Healthy Paws |
| Indiana | Dog | Healthy Paws |
| Iowa | Cat | Healthy Paws |
| Iowa | Dog | Healthy Paws |
| Kansas | Cat | Healthy Paws |
| Kansas | Dog | Healthy Paws |
| Kentucky | Cat | Healthy Paws |
| Kentucky | Dog | Healthy Paws |
| Louisiana | Cat | Healthy Paws |
| Louisiana | Dog | Healthy Paws |
| Maine | Cat | Healthy Paws |
| Maine | Dog | Healthy Paws |
| Maryland | Cat | Healthy Paws |
| Maryland | Dog | Healthy Paws |
| Massachusetts | Cat | Healthy Paws |
| Massachusetts | Dog | Healthy Paws |
| Michigan | Cat | Healthy Paws |
| Michigan | Dog | Healthy Paws |
| Minnesota | Cat | Healthy Paws |
| Minnesota | Dog | Healthy Paws |
| Mississippi | Cat | Healthy Paws |
| Mississippi | Dog | Healthy Paws |
| Missouri | Cat | Healthy Paws |
| Missouri | Dog | Healthy Paws |
| Montana | Cat | Healthy Paws |
| Montana | Dog | Healthy Paws |
| Nebraska | Cat | Healthy Paws |
| Nebraska | Dog | Healthy Paws |
| Nevada | Cat | Healthy Paws |
| Nevada | Dog | Healthy Paws |
| New Hampshire | Cat | Healthy Paws |
| New Hampshire | Dog | Healthy Paws |
| New Jersey | Cat | Healthy Paws |
| New Jersey | Dog | Healthy Paws |
| New Mexico | Cat | Healthy Paws |
| New Mexico | Dog | Healthy Paws |
| New York | Cat | Healthy Paws |
| New York | Dog | Healthy Paws |
| North Carolina | Cat | Healthy Paws |
| North Carolina | Dog | Healthy Paws |
| North Dakota | Cat | Healthy Paws |
| North Dakota | Dog | Healthy Paws |
| Ohio | Cat | Healthy Paws |
| Ohio | Dog | Healthy Paws |
| Oklahoma | Cat | Healthy Paws |
| Oklahoma | Dog | Healthy Paws |
| Oregon | Cat | Healthy Paws |
| Oregon | Dog | Healthy Paws |
| Pennsylvania | Cat | Healthy Paws |
| Pennsylvania | Dog | Healthy Paws |
| Rhode Island | Cat | Healthy Paws |
| Rhode Island | Dog | Healthy Paws |
| South Carolina | Cat | Healthy Paws |
| South Carolina | Dog | Healthy Paws |
| South Dakota | Cat | Healthy Paws |
| South Dakota | Dog | Healthy Paws |
| Tennessee | Cat | Healthy Paws |
| Tennessee | Dog | Healthy Paws |
| Texas | Cat | Healthy Paws |
| Texas | Dog | Healthy Paws |
| Utah | Cat | Healthy Paws |
| Utah | Dog | Healthy Paws |
| Vermont | Cat | Healthy Paws |
| Vermont | Dog | Healthy Paws |
| Virginia | Cat | Healthy Paws |
| Virginia | Dog | Healthy Paws |
| Washington | Cat | Healthy Paws |
| Washington | Dog | Healthy Paws |
| West Virginia | Cat | Healthy Paws |
| West Virginia | Dog | Healthy Paws |
| Wisconsin | Cat | Healthy Paws |
| Wisconsin | Dog | Healthy Paws |
| Wyoming | Cat | Healthy Paws |
| Wyoming | Dog | Healthy Paws |
How We Decided the Winning Pet Insurance Provider by State
All scores presented here were based on averages for experiences and pricing for a 6-year-old Labrador Retriever and 7-year-old Ragdoll, with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Embrace vs. Healthy Paws Pet Insurance Cost
Embrace and Healthy Paws both won four categories in our pet insurance cost study, making your choice dependent on your pet's age. Embrace is cheaper than Healthy Paws for kittens, puppies, middle-aged cats and middle-aged dogs. Meanwhile, Healthy Paws offers lower rates than Embrace for senior dogs, senior cats, young cats and young dogs.
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% |
How We Decided the Winning Pet Insurance Provider
All rates presented here were based on averages for pricing for Labrador Retrievers and Ragdolls from the age of less than 1 years old up to 20 years of age across 50 states.
Embrace vs. Healthy Paws Pet Insurance Cost by State
At the state-level, Embrace costs less than Healthy Paws for kittens, puppies, middle-aged cats and middle-aged dogs across all 50 states. On the other hand, Healthy Paws offers the cheapest pet insurance for young cats, young dogs, senior cats and senior dogs nationwide compared to Embrace.
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% |
How We Decided the Winning Pet Insurance Provider by State
All rates presented here were based on average pricing for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll.
Embrace vs. Healthy Paws Pet Insurance Discounts
Embrace offers pet insurance discounts if you enroll more than one pet or have a military background. Healthy Paws currently has no discount opportunities for lowering your rate.
Military | 5% savings for active or former members of the U.S. Air Force, Army, Marines, Navy or Coast Guard. | None. |
Multiple pets | Receive 10% off when you enroll multiple pets with Embrace. | None. |
Embrace vs. Healthy Paws Pet Insurance Customer Experience
Healthy Paws offers a better customer experience than Embrace, ranking fifth nationally for dogs and cats, while Embrace places sixth. Both providers maintain A+ ratings from the Better Business Bureau, though Healthy Paws earns a higher Trustpilot rating, while Embrace maintains stronger positive sentiment on Reddit.
Embrace vs Healthy Paws Trustpilot Ratings
Healthy Paws earns a higher Trustpilot rating at 4.1 out of 5 compared to Embrace's 4 out of 5. Pet owners praise both for fast claim processing and quick reimbursements within days, but complain about rate increases as pets age. Healthy Paws policyholders note emergency exam fees aren't covered, while Embrace customers mention occasional mobile app issues.
Embrace vs Healthy Paws BBB Ratings
Embrace maintains an A+ BBB rating with full accreditation, which is similar to Healthy Paws' A+ rating and accreditation. The A+ rating means both companies meet BBB standards for trustworthy business practices, respond to complaints promptly and maintain transparent operations.
Embrace vs Healthy Paws Pet Insurance Reddit Sentiment
We analyzed Reddit discussions and found that Embrace shows 29% positive Reddit sentiment compared to Healthy Paws' 20%, though both draw criticism from pet owners. Reddit users praise Embrace for its responsive customer service and clear policy language but complain about claim denials and strict pre-existing condition interpretations. They also note Healthy Paws' fast two-day claims processing but point out the company's sharp premium hikes for older pets and delayed requests for medical records after years of coverage.
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. While Embrace has more coverage options and shorter waiting periods, Healthy Paws wins by offering to pay veterinarians directly to reduce upfront costs.
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 |
Direct vet payment | Embrace doesn't have a direct vet pay feature, operating on a reimbursement model instead | Pays licensed vets directly, provided your vet agrees and you contact its customer service before your pet's treatment |
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 offers two optional add-ons you can add to your policy:
- Wellness Rewards: Comes in three tiers ($300, $500, $700) and provides coverage for wellness exams, vaccinations, dental cleaning, microchipping, grooming, training and nutritional support.
- Exam Fees: Reimburses vet exam fees associated with covered accidents and illnesses.
In comparison, 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 for pet insurance, with lower average rates, plus stronger coverage options and customer service. Healthy Paws offers comprehensive accident and illness coverage with no payout limits, as well as the option to pay licensed vets directly. It also provides excellent customer service and affordable premiums, with savings up to 40% for senior dog coverage.
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 pet insurance is better: Embrace or Healthy Paws?
Healthy Paws offers better pet insurance than Embrace, featuring lower rates, stronger customer service and more comprehensive coverage. Healthy Paws also has an edge over Embrace for paying veterinarians directly, reducing upfront costs. The company maintains a 4 out of 5 Trustpilot rating and an A+ BBB rating.
Is Embrace or Healthy Paws cheaper?
Neither provider consistently costs less across all pet categories. Embrace offers cheaper rates than Healthy Paws for puppies, kittens, and middle-aged pets, while Healthy Paws costs less than Embrace for young and senior animals.
What does Embrace cover that Healthy Paws does not?
Embrace provides coverage for parasite treatment in its base policies and preventive care in its optional wellness plans, which Healthy Paws doesn't cover. Embrace also has shorter waiting periods for accidents and orthopedic conditions: immediate coverage for accidents and six months for orthopedic conditions, compared to Healthy Paws' 15 days and 12 months.
Does Healthy Paws or Embrace have better claim reimbursement?
Healthy Paws offer the option to pay licensed vets directly for covered claims, which it processes within two days on average. Embrace, on the other hand, receives mixed reviews on claim processing speed, with some users reporting quick turnaround and others experiencing delays requesting additional medical records.
Which is better for older pets: Embrace or Healthy Paws?
Healthy Paws costs less for senior pets, with 35% savings for senior cats and 40% for senior dogs compared to Embrace. That said, Healthy Paws only insures pets up to 14 years old. Meanwhile, Embrace limits 15-year-old pets and older to accident-only plans.
About Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. As editorial lead for both verticals, Connor sets the research framework, data standards, and content structure that his writers execute, directly authoring in-depth guides himself and reviewing all team content for accuracy and practical value before it goes live. With over four years evaluating insurance products across personal, commercial, and specialty lines, he brings cross-vertical knowledge to every guide the team produces.
Connor architected MoneyGeek's insurance research infrastructure across all major verticals including auto, home, renters, life, health, business, and pet, building systems for pricing analysis, provider-level research, customer experience evaluation, and coverage analysis with AI support. The infrastructure includes over 6 million data points for business insurance across 408 industry areas, all 50 states, and 16 vehicle types, and over 5 million pet insurance profiles across 18 major providers and hundreds of breed and age combinations. Connor's insurance cost research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Beyond the data, Connor stays connected to how the market actually operates, drawing on direct conversations with underwriters and carrier liaisons at Ethos, The Hartford, NEXT Insurance, Nationwide, and State Farm, and monitoring business and pet owner communities including Reddit, to inform how he interprets findings and frames guidance for real buyers.
He is the direct editorial contact for methodology questions at connor@moneygeek.com and can be found on LinkedIn.
Sources
- Trustpilot. "Embrace Pet Insurance ." Accessed May 14, 2026.
- Trustpilot. "Healthy Paws Pet Insurance ." Accessed May 14, 2026.
- Better Business Bureau. "Embrace Pet Insurance." Accessed May 14, 2026.
- Better Business Bureau. "Healthy Paws." Accessed May 14, 2026.