Compare Embrace to Healthy Paws

When comparing Healthy Paws Pet Insurance's coverage to Embrace, the difference is in the details. In the pet insurance comparison chart below, you’ll find important policy factors to consider when deciding if Healthy Paws is right for you. If you’re looking for additional information on Healthy Paws, you can find a more comprehensive explanation of these features below the chart.


Plan Features Embrace Pet Insurance Logo Healthy Paws Pet Insurance
Optional Routine Care Plan Yes No
Coverage for Exam Fees Yes No
Hip Dysplasia Coverage on All Accident & Illness Policies Yes No
No Extra Office Visit for Senior Pets Yes No
More Coverage Options for Older Pets Yes No
No Sweeping Cancer Exclusions Yes No
Reimbursement Method Deductible then Co-pay Co-pay then Deductible
Medical Records Requirement 12 Months Full Medical History
Direct Pay from Your Checking/Savings Account Yes No
Diminishing Deductible Feature Yes No
No Extra Charges at Cancellation Yes Must Cancel 14 Days
before Next Payment

Important Facts about Healthy Paws That Could Affect Your Pet's Coverage

When comparing Embrace to Healthy Paws, it's important to remember that Healthy Paws doesn't cover exam fees, which can be a significant expense if your pet needs a specialist or has a condition that requires frequent trips to the vet. In addition, pets over the age of six can't get coverage for hip dysplasia through Healthy Paws. Finally, Healthy Paws doesn't offer a routine care plan, so you'll have to cover those expenses on your own.

11 Reasons to Consider Embrace over Healthy Paws Pet Insurance

1. Optional Routine Care Plan

Healthy Paws Pet Insurance currently does not offer routine care coverage. Embrace promotes, rewards, and encourages healthy pets by offering Wellness Rewards, an optional non-insurance product that reimburses for everyday veterinary, grooming, and training costs.

Without the option of a wellness plan there are gaps in Healthy Paws’ policy. With Embrace there’s no doubt that you have total protection in sickness AND in health.

2. Coverage for Exam Fees

Healthy Paws does not include the exam fee in their reimbursement. Visiting an emergency hospital, or even going to a scheduled visit at your primary veterinary or a veterinary specialist, can include an expensive exam fee – sometimes well over $100. Not having coverage for these fees is like having to pay an extra deductible at every visit. Embrace believes that this fee should be covered.

3. Hip Dysplasia Coverage on All Accident & Illness Policies

Healthy Paws limits coverage for hip dysplasia in multiple ways. All pets enrolling with Healthy Paws have a 12-month waiting period for hip dysplasia that cannot be reduced. While Embrace has a 6-month waiting period for orthopedic conditions (for dogs only), there is an Orthopedic Exam and Waiver Process to have it reduced to as little as 14 days.

Beyond extended waiting periods, Healthy Paws doesn’t cover hip dysplasia in pets older than 6 years of age at enrollment. That means if you rescue a senior pet or enroll your dog later in life, they won’t be covered for this condition, period. Embrace covers this condition on all accident and illness policies no matter the age of the pet at enrollment, as long as it isn’t pre-existing.

4. No Extra Office Visit for Senior Pets

Healthy Paws requires that pets older than 6 years of age have a physical exam within 30 days prior to policy purchase, or within the first 15 days of the policy. If your older pet hasn’t had a visit in this time you’ll have to pay for this exam out of pocket since Healthy Paws doesn’t have a wellness plan. Embrace only requires there be a physical examination in the 12-months preceding the policy purchase, or within the first 14 days of the policy start date – no matter the age of your pet. And if you have Embrace’s Wellness Rewards plan, this visit can be reimbursed if done on or after the date of the policy purchase.

5. More Coverage Options for Older Pets

Healthy Paws restricts coverage for pets over 6 years of age at enrollment. While younger pets are offered a $100 deductible and 90% reimbursement, the lowest deductible Healthy Paws offers for pets 6 and over is $250 and the highest reimbursement option is 80%. Embrace offers the same coverage options to your pets up to 15 years of age.

6. Better Coverage for Malignant Growths

Healthy Paws excludes all cancer coverage if your pet has had a malignant growth prior to the start of coverage. That means that if your pet has had skin cancer prior to the start of Healthy Paws’ policy, all cancer is excluded. Embrace would not be able to cover pre-existing cancer, but if your pet were to get a different and unrelated cancer or malignant growth, we would cover it.

7. Larger Claim Reimbursements

Healthy Paws calculates claims differently than Embrace, subtracting the co-pay off the claimed amount first and then subtracting the deductible, which leads to 7-10% lower reimbursement for claims under $1,000. Embrace calculates claim reimbursements by first subtracting the deductible and then taking off the co-pay. You'll get more money back with Embrace's method of reimbursement.

8. Simpler Medical Records Requirement

Healthy Paws requires your pet’s full medical history to process claims – that could go back many years! Embrace only needs the last 12 months of records or, for new pets, records back to the first visit you’ve had with them.

Healthy Paws also does not offer any review of your pet’s medical records when you enroll, leaving it to be done when you file your first claim. Embrace offers you an optional Medical History Review. If your pet has any pre-existing conditions, this review will let you know how they could affect your coverage moving forward.

9. More Payment Options

Healthy Paws only accepts credit or debit cards which limits how you can pay. Embrace accepts payment via credit card, debit card, and directly from your checking or savings account.

10. Diminishing Deductible Feature

Embrace is the only pet insurer to offer a diminishing deductible. With Embrace’s Healthy Pet Deductible, your pet's annual deductible automatically goes down by $50 each year you don't receive a claim reimbursement. This is included with every policy at no extra charge.

11. Easier Cancellation Requests

To avoid being charged for an extra month of coverage, Healthy Paws requires you to cancel your policy at least 14 days before your next payment is due. At Embrace, you can cancel any time in the month without being charged again, and we’ll even reimburse you the unused premium for that month of coverage.

Information last updated April 2018. Healthy Paws is underwritten by ACE group. 
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