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Healthy Paws vs Embrace Pet Insurance Comparison

Healthy Paws vs Embrace Pet Insurance Comparison

By Zsuzsanna K. Zsuzsanna K. Verified by Adam B. Adam B.Last updated: January 16, 2025 (0)
Table of contents

Healthy Paws and Embrace Pet Insurance are likely among the first that crop up when googling pet insurance companies. Both provide trustworthy services and are dedicated to giving back to the animal community as much as they can through donations and volunteer work. The policies they offer, however, are quite different, so pet parents who are contemplating either of these companies will have to decide which aspects of pet insurance they find more important. Is it the price? The coverage? Or is it the payout limit?

Overview
Cost, reimbursement, and deductible
Enrollment and cancellation
Customer service
Overview
Healthy Paws
Embrace Pet Insurance
Brand/logo
Visit brand site
Read review
Rating
All new conditions
Preexisting conditions
Cured conditions
Hereditary conditions
Congenital conditions
Exam fees
Preventative care
Alternative care
Routine dental care
Spaying/neutering
Breeding-related conditions
Euthanasia
Burial
Illness waiting period
15 days
14 days
Accident waiting period
15 days
2 days
Processing claims
2-10 days
10-15 days
Exotic pets
BBB rating
A+
A+
BBB accreditation
Overview comparison for Healthy Paws, Embrace Pet Insurance

Healthy Paws

30-day risk-free pet insurance trial
Trupanion logo
Get your pet insured with Trupanion, and enjoy the sense of security for 30 days, completely risk free. If you are not satisfied, you can cancel the service and receive your money back in full.
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Healthy Paws has not only proved itself to be a trustworthy insurance provider, but its charitable efforts deserve recognition too. Aside from regular donations, the Healthy Paws Foundation is also the organizer of the Rescue Race, which grants participating nonprofit organizations $45,000 at the very minimum after every event.

Healthy Paws is all about simplicity. It has only one easily understood, comprehensive insurance plan that covers most illnesses and accidents, including hereditary and congenital conditions. The downside of the single-plan system is the lack of flexibility and there is no opportunity to expand coverage beyond the standard plan.

However, the policy is customizable to better fit a customer’s budget, and the lack of any payout caps clinches it for owners looking for complete peace of mind. Like most insurance providers – including Embrace Pet Insurance – the maximum reimbursement that Healthy Paws offers is 90%, but this percentage is more than enough to ease the financial burden that vet bills can place on unsuspecting owners.

Embrace Pet Insurance

When looking for budget-friendly, customizable insurance plans, Embrace Pet Insurance is definitely the first place to look. Besides offering a comprehensive insurance plan that covers most of a pet’s medical expenses – including breed-specific conditions and alternative care – Embrace also has an accident plan, which is both quite cheap and great for older pets with preexisting conditions.

For owners that wish to further expand coverage to include things like dental care, spaying or neutering, vaccination, and even grooming, Embrace Pet Insurance offers Wellness Rewards, which works like a savings account to make routine care easier on the budget. Sadly, the wellness plan isn’t available as a standalone policy.

Where Healthy Paws is more concentrated with charity, Embrace Pet Insurance instead offers better discount opportunities. Customers can receive discounts of up to 15% on premiums by using the multiple pet discount or by having their pet neutered or spayed. What’s more, Embrace Pet Insurance is the only provider in the business that offers diminishing deductibles for pets that spend a year in good health. The downside of all this budget friendliness is that it comes at the cost of payout limits.

Conclusion

Both Healthy Paws and Embrace Pet Insurance are safe choices when investing in pet insurance, and nothing demonstrates this better than the BBB’s A+ rating that the two have. However, neither is universally good for everyone. For pet parents wanting complete peace of mind, knowing that whatever happens to their beloved pet the insurance will not max out and leave them with larger bills than they can afford, Healthy Paws is the better choice. For more budget-friendly options, Embrace works best. Embrace Pet Insurance is also the better option for owners that would like to enroll old pets, while the wellness plan provides great extra coverage for preventative and routine care.


Best pet insurance services of 2025

Editors' choice
Trupanion logo
Editor's rating:
(4)
Simple plan structure
24/7 customer care
Good coverage
No payout caps
Budget-friendly
Lemonade logo
Editor's rating:
(4)
Quick reimbursement process
Customizable policy
Several handy add-ons
Responsive customer support
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Pet Assure logo
Editor's rating:
(4)
Budget friendly
No risk
Accepts exotic petss

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