Compare Healthy Paws vs Embrace Plans

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

Healthy Paws Embrace
Price: Get a Quote Get a Quote
Overall Rating:
Total Reviews: 7,265 10,032
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 days 2 days*
Waiting Period for Illnesses: 15 days 14 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
Routine Dental: Excluded Included
Wellness Coverage: Included Included
Vet Restrictions: None None

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 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 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 examining Veterinarian cannot be you or be related to you.

Behavioral Conditions – Embrace does cover the medical treatment of behavioral issues as long as your dog or cat didn’t show clinical signs of the condition before the end of the waiting period. However preventative care is included in their wellness rewards program.

Pre-Certification – To avoid Coverage surprises you can complete a pre-certification form and submit to Embrace before your veterinary provider orders or performs any of the following procedures.

  • Magnetic resonance imaging (MRI) scan
  • Computer-aided tomography (CT) scan
  • Partial or complete hip replacement
  • Cruciate ligament repair
  • Surgery for dental Injury
  • Home visits because your Pet is unable to travel to the usual location of the Veterinarian
  • Any other Treatment(s) in which the anticipated costs are expected to exceed $1,000

Other Provisions

  • Pet parents can cancel policies immediately over the phone with no penalty
  • Claims must be submitted within the policy year plus 60 days
  • They have a defined appeal process for claims
  • Reimbursement Method – Deductible then copay
  • Prescription Medications – Can be added for additional cost
  • Must be enrolled prior to 14 to be eligible for major medical coverage, pets enrolled after 14th birthday are eligible for accident-only coverage
  • * Most states have 2-day waiting period, some are 14 days
  • ** Canine Orthopedic Examination Report Card can reduce Orthopedic Waiting Period to 14 days

Summary

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

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