Embrace vs. Healthy Paws

With pet insurance, the difference is in the details. That's why we've compiled a list of important comparison points between Embrace and Healthy Paws Pet Insurance, so you can decide for yourself.


Logo Healthy Paws Pet Insurance
Optional Routine Care Plan True
Coverage for Exam Fees True
Reimbursement Method Deductible then Copay Copay then Deductible
Diminishing Deductible True

Optional Routine Care Plan

Healthy Paws 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.

Coverage for Exam Fees

Healthy Paws does not reimburse you for veterinary exam fees, which leaves a large gap in coverage. Office visit and exam fees are a major part of your veterinary bill. Exam fees at specialty and emergency hospitals can often cost $100 or more. Not having coverage for office visits is like having an extra deductible each time you go to the veterinarian.

Reimbursement Method

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. If you have a $700 incident and a $200 deductible, Healthy Paws' method will cost you $40 more out of pocket. You'll get more money back with Embrace's method of reimbursement.

Diminishing Deductible

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.

Information last updated July 2017. Healthy Paws is underwritten by ACE group.