Question 1

Which is better, Embrace or Healthy Paws?

Accepted Answer

Embrace offers granular control across annual limit, deductible, and reimbursement, plus a diminishing deductible that drops $50 each claim-free year. Healthy Paws sells a single unlimited plan with 70 to 90 percent reimbursement and no wellness rider. Embrace suits customization seekers; Healthy Paws suits simplicity seekers.

Question 2

Does Embrace or Healthy Paws have a shorter waiting period?

Accepted Answer

Embrace has a 2-day accident wait and 14-day illness wait. Healthy Paws has a 15-day accident wait and 15-day illness wait. Orthopedic waits: Embrace 6 months (waivable with orthopedic exam), Healthy Paws 12 months for hip dysplasia.

Question 3

Which carrier pays the vet directly?

Accepted Answer

Embrace: no, reimburses the policyholder after the claim. Healthy Paws: no, reimburses the policyholder after the claim.

Question 4

Are premiums comparable between Embrace and Healthy Paws?

Accepted Answer

Sample monthly premiums for a healthy adult dog run $30-$70 with Embrace and $35-$75 with Healthy Paws. Actual pricing depends on breed, age, ZIP code, and coverage level.

Carrier	Reimbursement	Annual limit	Illness wait	Age cap
Healthy Paws Single-plan simplicity with unlimited annual payouts.	70% / 80% / 90%	Unlimited	15 days	Enrollment closes at age 14 (accident and illness); accident-only after
Trupanion Per-condition deductible and vet direct pay at participating clinics.	90%	Unlimited	30 days	Enrollment closes at age 14
Embrace Diminishing deductible and optional Wellness Rewards.	70% / 80% / 90%	$5,000, $8,000, $10,000, $15,000, or unlimited	14 days	Enrollment closes at age 15; older pets get accident-only
Nationwide One of few carriers offering exotic pet coverage.	50% / 70% / 90%	$10,000 or unlimited depending on plan	14 days	Varies by plan; some plans have no upper age limit
Lemonade App-first pricing with fast AI-assisted claims.	70% / 80% / 90%	$5,000 to $100,000	14 days	Enrollment typically closes at age 14; state-dependent
Figo 100 percent reimbursement option and short waiting periods.	70% / 80% / 90% / 100%	$5,000, $10,000, or unlimited	14 days	Enrollment closes at age 14
Pets Best Direct vet pay available and broad plan customization.	70% / 80% / 90%	$5,000 to unlimited	14 days	No upper age limit for enrollment
ASPCA Pet Health Insurance Complete Coverage plan with microchip and behavioral care.	70% / 80% / 90%	$3,000, $5,000, $7,000, $10,000, $15,000, or unlimited	14 days	No upper age limit
Spot Flexible limits and behavioral coverage on every plan.	70% / 80% / 90%	$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, or unlimited	14 days	No upper age limit
Fetch by The Dodo Includes exam fees, dental, and virtual vet visits.	70% / 80% / 90%	$5,000, $10,000, or $15,000	15 days	Enrollment closes at age 14
MetLife Pet Group-billing options and holistic-care coverage.	70% / 80% / 90% / 100%	$2,000, $5,000, or $10,000	14 days	No upper age limit
Prudent Pet Unlimited annual limit option at a competitive premium.	70% / 80% / 90%	$10,000, $20,000, or unlimited	14 days	Enrollment closes at age 12

US pet insurance carriers, side by side

Healthy Paws

Trupanion

Embrace

Nationwide

Lemonade

Figo

Pets Best

ASPCA Pet Health Insurance

Spot

Fetch by The Dodo

MetLife Pet

Prudent Pet

Head-to-head comparisons

All carriers