Head-to-Head
Embrace vs Healthy Paws
Side-by-side comparison of coverage, pricing, waiting periods, and overall value.
Healthy Paws
Rating 4.5/5
Claim speed 3d
Medium dog $28–$50/mo
Founded 2009
Coverage comparison
| Feature | Embrace | Healthy Paws |
|---|---|---|
| Hereditary | ✓ Yes | ✓ Yes |
| Congenital | ✓ Yes | ✓ Yes |
| Bilateral | ✓ Yes | ✓ Yes |
| Dental | ✓ Yes | ✗ No |
| Behavioral | ✓ Yes | ✗ No |
| Prescription | ✓ Yes | ✓ Yes |
| Alternative Therapies | ✓ Yes | ✓ Yes |
| Exam Fees | ✓ Yes | ✗ No |
Pricing comparison
| Dog type | Embrace | Healthy Paws |
|---|---|---|
| Small (young) | $24–$42/mo | $22–$38/mo |
| Medium (young) | $30–$55/mo | $28–$50/mo |
| Large (young) | $40–$78/mo | $38–$72/mo |
| Brachycephalic | $45–$92/mo | $42–$85/mo |
| Large (senior) | $62–$125/mo | $58–$118/mo |
Plan flexibility
| Option | Embrace | Healthy Paws |
|---|---|---|
| Deductibles | $200, $300, $500, $750, $1000 | $100, $250, $500, $750 |
| Reimbursement | 70%, 80%, 90% | 70%, 80%, 90% |
| Annual limits | $5,000, $10,000, $15,000, $30,000 | Unlimited |
Waiting periods
| Type | Embrace | Healthy Paws |
|---|---|---|
| Accidents | 2 days | 15 days |
| Illness | 14 days | 15 days |
| Orthopedic | 6mo | 12mo |
Strengths & weaknesses
Embrace
✓ Most comprehensive coverage
✓ Dental illness included
✓ Behavioral coverage
✓ Diminishing deductible
✗ No unlimited annual limit
✗ Higher premiums for comprehensive coverage
✗ Annual limits may cap large claims
Healthy Paws
✓ Unlimited lifetime benefits
✓ No annual or per-incident caps
✓ Strong hereditary coverage
✓ Established reputation
✗ Age limit of 14 for enrollment
✗ No dental or behavioral
✗ Longer waiting periods
✗ No exam fee coverage
Frequently asked questions
Which is better, Embrace or Healthy Paws?
Healthy Paws has a higher overall rating. Embrace scores 4.3/5 while Healthy Paws scores 4.5/5. The best choice depends on your dog's breed, age, and your coverage priorities.
How much does Embrace cost vs Healthy Paws?
For a medium-sized young dog, Embrace costs $30–$55/month while Healthy Paws costs $28–$50/month. Healthy Paws is generally more affordable.
Which has better coverage, Embrace or Healthy Paws?
Both providers cover core accident and illness expenses. Embrace processes claims in 5 days on average, while Healthy Paws takes 3 days. Review the coverage table above for detailed feature-by-feature differences.
Get your free cost report
Enter your email and we'll send a personalized breakdown of costs.