Healthy Paws vs Embrace Pet Insurance Comparison

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?

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.

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.

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 bellowed 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.