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?
Main Features |
Healthy Paws |
Embrace Pet Insurance |
Logo | ||
Insurance Rating | A+ | A+ |
Reviews | Reviews | Reviews |
Visit | Visit Site | Visit Site |
Processing Claims | 2-10 days | 10-15 days |
Reimbursement | 10 days | 2-7 days |
Direct Vet Payment | ||
Minimum Enrollment Age | 8 weeks | |
Maximum Enrollment Age | 14 years | 14 years for illness |
Exotic Pets | ||
Deductible Type | Annual | Annual |
100% Reimbursement | ||
Payout Caps | ||
Time Limit | ||
Personalized Policy |
Premiums |
Healthy Paws |
Embrace Pet Insurance |
Premium Increases Annually | ||
Premium Increases With Age | ||
Premium Increases After Claim |
Covered Conditions |
Healthy Paws |
Embrace Pet Insurance |
All New Conditions | ||
Preexisting Conditions | ||
Cured Conditions | ||
Hereditary Conditions | ||
Congenital Conditions |
Types of Coverage |
Healthy Paws |
Embrace Pet Insurance |
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 |
Customer Support |
Healthy Paws |
Embrace Pet Insurance |
Phone | ||
Live Chat | ||
FAQ | ||
Videos |
Company Info |
Healthy Paws |
Embrace Pet Insurance |
Year Established | 2009 | 2003 |
BBB Rating | A+ | A+ |
Healthy Paws
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 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.
Best Pet Insurance of 2024
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