Embrace vs Healthy Paws pet insurance
Their main accident & illness plans side by side, from each insurer's own documents (reviewed 2026-10-16).
Key differences
- › Exam fees: Embrace — covered; Healthy Paws — not covered.
- › Dental: Embrace — injury & disease; Healthy Paws — accidents only.
- › Embrace can cover a cured pre-existing condition; the other can't.
| Embrace | Healthy Paws | |
|---|---|---|
| Plan | Accident & Illness | Accident & Illness Plan |
| Reimbursement | 70/80/90% | 70/80/90% |
| Annual limit (max) | Unlimited | Unlimited |
| Deductible | Annual | Annual |
| Exam fees | Covered | Not covered |
| Dental | Injury & disease | Accidents only |
| Alternative therapy | Included | Included |
| Pays vet directly | No | No |
| Accident wait | none | 15 days |
| Illness wait | 14 days | 15 days |
| Orthopedic wait | 6 mo | 12 mo |
| Wellness option | Yes | No |
| Multi-pet discount | 10% (plus 5% military discount) | None |
| Cured pre-existing | Can be covered | Not covered |
| Enrollment age | New policies up to age 14. | New policies up to age 13. |
| Availability | Sold in every state. | Sold in every state. |
Still deciding?
The quiz scores Embrace, Healthy Paws and every other US insurer against what matters to you.
Take the 2-minute quiz →