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Healthy Paws vs. Embrace Pet Insurance

Healthy Paws and Embrace are two of the best pet insurance companies in America. Learn More


Healthy Paws Pet Insurance


Embrace Pet Insurance

Average Price
$22 - 38/mo.
$40 - 68/mo.
A.M. Best Rating A++ A+
BBB Rating A+ A+
Customer Satisfaction 96% 92%
Total Reviews 6,213 reviews 8,525 reviews
Deductible $100-500
$100 - 1,000
Reimbursement 70 - 90%
65 - 90%
Annual Limit Unlimited $5,000 - 15,000
Company Profile Healthy Paws Overview Embrace Overview
Waiting Period for Accidents 15 days 2 days *
Waiting Period for Illnesses 15 days 14 days
Waiting Period for Orthopedic Coverage 12 mos. for hip dysplasia
6 mos.
Emergency Care
Cancer Coverage
Orthopedic Issues
Hereditary Conditions
Chronic Conditions
Prescription Meds For additional cost
Dental - Accidents
Cancer Coverage
Wellness Coverage
X Optional
Vet Restrictions None None

Pet insurance does not cover pre-existing conditions

* Most states have a 2-day waiting period, some are 14 days

Healthy Paws Enrollment Requirements

A pet less than 6 years old on the date of enrollment must have undergone a complete clinical examination. The exam must have taken place either in the 12 months prior to the pet policy effective date or within 15 days following the pet policy effective date.

Embrace Enrollment Requirements

Your Pet must have been examined by a Veterinarian in the twelve (12) months prior to the Original Start Date for your Pet(s) as shown on the Schedule Page(s) or within fourteen (14) days after the Original Start Date.


The biggest difference between Healthy Paws and Embrace is that Embrace offers more customized options including wellness care. Healthy Paws does not have the option to cover wellness or routine care.

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Healthy Paws




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