Compare Healthy Paws Pet Insurance vs Embrace Pet Insurance Plans

Healthy Paws Pet Insurance and Embrace Pet Insurance are two of the best pet insurance companies in America.

Healthy Paws Pet InsuranceEmbrace Pet Insurance
Price:Get a Quote Get a Quote
Overall Rating:
Total Reviews:8,54910,367
Deductible:$100 - $500$100 - $1,000
Reimbursement:70% - 100%65 - 90%
Annual Limit:None$5,000 - $15,000
Company Profile:Company Overview Company Overview
Waiting Period for Accidents:15 days2 days*
Waiting Period for Illnesses:15 days14 days
Waiting Period for Orthopedic Coverage:12 months *6 months**
Emergency Care: Included Included
Accidents: Included Included
Illnesses: Included Included
Cancer Coverage: Included Included
Orthopedic Issues: Included Included
Hereditary Conditions: Included Included
Chronic Conditions: Included Included
Prescription Meds: Included Included
Wellness Coverage: Excluded Optional
Vet Restrictions:NoneNone

Note: Pet insurance does not cover pre-existing conditions

Summary

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.

Healthy Paws Pet Insurance Enrollment Requirements

  • 12 month waiting period for hip dysplasia *
  • Must be enrolled before 6 for hip dysplasia coverage
  • Minimum age: 8 weeks
  • Maximum age: 14 years
  • A pet less than 6 years old on the date of enrollment must have undergone a complete clinical examination and 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
  • A pet 6 years old or greater on the date of enrollment must have undergone a complete clinical examination within 30 days prior to the pet policy effective date or within 15 days following the pet policy effective date

Embrace Pet Insurance Enrollment Requirements

  • Maximum age for enrollment in full accident & illness coverage is 14 years
  • Pets older than 15 are eligible for an accident-only policy
  • Minimum age for enrollment is six weeks
  • Pets must have been examined by a licensed veterinarian in the 12 months prior to the policy start date. If there is no noted exam prior to the policy start date, an exam is required within the first 14 days of the policy.
  • Pet parents can cancel policies immediately over the phone with no penalty
  • Claims must be submitted within the policy year plus 60 day

Other Provisions

  • There is a defined appeal process for claims
  • Reimbursement method: Direct deposit or check
  • Prescription medications: Included with all accident and illness policies
  • There is a 14-day waiting period for illnesses
  • * There is a 2-day waiting period for accidents in most states
  • ** There is a 6-month waiting period for orthopedic conditions for dogs only. This can be reduced by following Embrace‚Äôs Orthopedic Exam and Waiver Process

Summary

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

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