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Embrace vs. Healthy Paws Pet Insurance: Which One’s Best?

On the surface, both Embrace and Healthy Paws Pet Insurance look relatively similar. However, there are several differences. None of these make one insurance better than the other, necessarily. It mostly depends on what you’re looking for in your insurance company.

For instance, Healthy Paws only covers accidents and illnesses, while Embrace offers a wellness add-on. If you aren’t looking for wellness care, then this fact makes little difference. However, for those who want wellness care, it can be a dealbreaker.

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At a Glance

Embrace Pet Insurance
  • Covers dogs and cats
  • Medical and wellness coverage
  • Unrestricted vet selection
  • Out-of-State Coverage
  • Dental illnesses include
  • $15k cap a year
Healthy Paws
  • Covers dogs and cats
  • Medical coverage only
  • Unrestricted vet selection
  • Dental illnesses not included
  • Unlimited benefits

Overview of Embrace Pet Insurance

Embrace Insurance

Sadly, Embrace is not well-known for its customer service or speed at accepting claims. Many people complain about their claims being denied for pre-existing conditions that are not related to the current illness their pet is facing. For instance, one reviewer claimed that their dog has a pre-existing skin tag. The poor pup fell off a set of steps and broke their leg. However, the company would not cover it due to the pre-existing skin tag.

Their plans are a little pricier, but they do cover things that other insurance companies usually don’t, such as prosthetic limbs and behavioral therapy. They also provide prescription drug coverage and a wellness plan for additional costs.

They do not have an unlimited option. The highest annual limit is $15,000, which is the maximum they will pay in any year. This isn’t unlimited, but it is pretty high. You can choose a minimum reimbursement of 65%, while the maximum reimbursement can be as high as 90%. A lower reimbursement leads to a lower monthly cost.

Their annual deductibles are incredibly customizable. You can choose between five different options, ranging from $100 to $1,000. Each year you don’t make a claim, your deductible decreases by $50.

Compared to some other companies, Embrace is a bit more expensive. However, they do cover more things so that you may find the slightly higher cost worth it. They offer various discounts as well, including a spay/neuter discount of 5%, an annual payment discount of 5%, and a paying via bank account discount of 5%.

Pros
  • Covers things like prosthetics
  • Lots of customization options
  • Optional wellness plan included
  • A variety of discounts are available
Cons
  • Notorious for denying claims for unrelated pre-existing conditions
  • No vets on staff reviewing claims
  • Poor customer service

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Overview of Healthy Paws Pet Insurance

Healthy Paws insurance

Healthy Paws is one of the better insurance companies out there for dogs and cats alike. Their customer reviews are excellent. Many state that they don’t argue about making claims and regularly payout quickly. They do raise their rates each year to make up for the rising costs in your area. Depending on where you live, this can be pretty expensive.

They don’t have any caps on their service, which means they will continue to pay each year. Reimbursement is based on the actual cost of your vet bill. Conditions and illnesses do not have caps of any sort. You can make claims for each covered condition as often as you want.

The company includes services like advanced testing, surgeries, hospital stays, and prescription medication. They also cover emergency care. They even cover hip dysplasia, as long as it is not a pre-existing condition.

This company works on a reimbursement model. The customer pays the vet upfront, and then the company reimburses them for the cost. However, if the customer cannot pay their bill upfront, they can call Healthy Paws and directly pay their vet bill.

Pros
  • Unlimited benefit limits
  • Includes things like advanced testing, surgeries, and hospital stays
  • Reimbursement model
  • Only 15 day waiting period
  • 3-day response time
Cons
  • No wellness options
  • Expensive

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What are the differences between Embrace and Healthy Paws?

Coverage

Edge: Embrace

Embrace allows for pet owners to choose coverage for more medical expenses, including wellness exams. They also cover exam fees, behavioral therapies, and things like prosthetic limbs. Healthy Paws does not cover any of these things.

Embrace is the clear winner here.

Claim Repayment

Edge: Healthy Paws

Healthy Paws has a quicker repayment time and generally tends to pay more. They pay more and pay more often. Usually, Healthy Paws only takes about three days before paying for the repayment. However, Embrace takes about eight to nine days before accepting or denying a claim.

Price of Policy

Edge: Neither

We recommend going to both company’s websites to get a quote, as there is a lot that goes into each company’s pricing. The only way to know which one will be cheaper for you is to go and check. Many people claim that Embrace is the more expensive option. However, after checking various quotes, we didn’t find this to be the case all the time.

For this reason, we couldn’t give either company the edge.

Customization

Edge: Embrace

Embrace provides more customization options. There are many annual maximums to choose from, all the way from $5,000 to $30,000. They also offer a variety of reimbursement options and annual deductibles.

Healthy Paws offers fewer deductible options. They provide unlimited claims for all plans, which may be a good thing or a bad thing. You never have to worry about an annual limit, but you also can’t lower the annual limit to reduce your monthly cost. They also limit some deductibles depending on your pet’s age.

Customer Service

Edge: Healthy Paws

Based on our research, Healthy Paws’ customers were more pleased with their customer service. They have rave reviews across the internet talking about their fantastic customer service.

On the other hand, Embrace seems challenging to get ahold of. They have reasonably limited hours, and many people complained that their agents seem to just read from a script. Embrace seems to have more negative reviews than positive ones.

Healthy Paws easily won in this situation.

What the Users Say

In general, customers seemed far happier with Healthy Paws than Embrace. Many complained about Embrace denying claims. Customers seem to think that Embrace does whatever they can to get out of claims. Many reported that they would claim unrelated conditions as “pre-existing,” even when there was no connection at all.

For example, one customer claimed that their dog developed kennel cough as a puppy. Later in life, the dog developed a second cough. The company would not pay because the dog had previously had a cough.

On the other hand, Healthy Paws pays the vast majority of its claims in a reasonably short period. There were some reports of Embrace taking three months to decide whether or not they would cover something.

Due to the vast differences in reputation, we had to put a lot of weight on customer reviews for this article.

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Conclusion

Healthy Paws is the clear winner. If you’re looking for accident and injury coverage, get Healthy Paws. The only problem is that they do not offer any wellness option. Embrace does, though it does not offer much value in the end. Still, they offer it, so they may be your better option if you’re looking for wellness coverage.

Overall, Healthy Paws seems to pay its customers when they file a claim. Embrace denies claims very quickly and takes a long time to come to a paid decision. Since you’re looking to file a claim and get paid by your insurance, we highly recommend going with Happy Paws.

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Featured image credit: laureettaawilliams, Pixabay