Embrace vs Healthy Paws
Embrace covers what Healthy Paws leaves out
 | Healthy Paws |
|---|---|
Included in all standard plans. Up to $1000 annually covered for fractured teeth, extractions, periodontal disease, standard on every accident & illness policy — no dental exam required.¹ | Accidental trauma only — no dental illness. |
Included with every plan. Call or text with pet experts 365 days a year, any time of day or night, for free. | Not offered. |
Eligible for coverage on all accident and illness policies, at any age of enrollment. | Excluded for pets over 6 years old at enrollment. |
Looks at the previous 12 months of vet records. | Requires full medical history when filing a claim. |
Deductible first, then copay. | Copay first, then deductible — 7-10% less back on claims under $1,000. |
Full policy term + 60 days. | 60 days from the office visit. |
| Plan features |  | Healthy Paws |
|---|---|---|
| Dental illness coverage | Included in all standard plans. Up to $1000 annually covered for fractured teeth, extractions, periodontal disease, standard on every accident & illness policy — no dental exam required.¹ | Accidental trauma only — no dental illness. |
| 24/7 pet telehealth support | Included with every plan. Call or text with pet experts 365 days a year, any time of day or night, for free. | Not offered. |
| Hip dysplasia coverage | Eligible for coverage on all accident and illness policies, at any age of enrollment. | Excluded for pets over 6 years old at enrollment. |
| Medical history records | Looks at the previous 12 months of vet records. | Requires full medical history when filing a claim. |
| Reimbursement method | Deductible first, then copay. | Copay first, then deductible — 7-10% less back on claims under $1,000. |
| Window to submit claims | Full policy term + 60 days. | 60 days from the office visit. |
| Get your quote |
With Embrace, one cancer diagnosis doesn't close the door on the next.
A malignant growth in your pet's past shouldn't disqualify them from coverage for something entirely unrelated.
With Embrace, adopting a senior pet doesn't mean settling for less.
Embrace makes insuring older pets easier by offering the same coverage options as puppies and kittens, with no extra hoops at enrollment.
Let’s get your pet covered
30-day money-back guarantee*
10% multi-pet discount**
No obligation, see your price in just 2 minutes
Where Embrace wins over Healthy Paws
Healthy Paws doesn't cover preventable conditions
Conditions preventable with a vaccine or preventative care — heartworm, fleas, internal parasites and more — are excluded by Healthy Paws.
Embrace covers these conditions.
Healthy Paws doesn't cover behavioral conditions
Healthy Paws provides no coverage for behavioral problems, therapy or medication, even when the issue wasn't present before the policy began.
Embrace covers behavioral problems, consultations, therapy and follow-up visits, providing they aren't pre-existing and performed by a licensed vet.
Embrace covers your pet wherever you travel
Healthy Paws covers pets in the United States and Canada only, limiting where you can travel together.
Embrace opens more travel options by covering your pet wherever you go, including internationally. So you can go anywhere knowing you’re fully covered, up to 6 consecutive months.
Embrace's reimbursement method gives more money back
Healthy Paws subtracts the copay from the claimed amount first, then the deductible — which leaves you 7-10% worse off on claims under $1,000.
Embrace subtracts the deductible first, then the copay.
Healthy Paws doesn't reimburse exam fees
Healthy Paws doesn't include the exam fee in reimbursement. An emergency hospital visit, or even a scheduled appointment with a specialist, can carry a fee well over $100. Not covering it is like paying an extra deductible at every visit.
Embrace offers optional exam fee coverage as part of our policies.
Disclosures
Comparison information is provided using publicly available information as of Septmber 30th, 2026 and is only meant to summarize program features, not a specific plan. Review each provider's plan terms for more details. The descriptions of other providers' plans were not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. Although we attempt to keep information up to date, it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing compliance@embracepetinsurance.com
¹ Pre-policy exam required to rule out pre-existing conditions.
*Assuming no claims have been filed
** NY and WA residents receive 5% (not 10%)