Compare Embrace vs. Nationwide Pet Insurance

What’s the difference between Embrace Pet Insurance and Nationwide Pet Insurance? See how our editors compare the two companies below.
Disclosure: We receive advertising revenue from some partners. Learn more.
Select 2 pet insurance companies to compare
vs
Embrace Pet Insurance
8.8 / 10 - Excellent
#3 in Pet Insurance
Our Partner
Nationwide Pet Insurance
8.5 / 10 - Excellent
#4 in Pet Insurance
Our Partner
vs
Key Facts
  • Strong Illness & Accident Coverage - Use Any Vet
  • Optional wellness plan & Rx coverage covers spay/neuter
  • Benefits limited to $15k/yr
  • Customizable Annual Deductible from $200-$1000
  • First and largest pet insurer in the US
  • Whole Pet & Wellness Plan covers spay/neuter
  • Free 24/7 vethelpline access
  • Discounts available on home and auto
  • Insurers most birds and exotic pets!
  • $250 annual deductible with Unlimited Claims
  • ​Covers congenital and hereditary conditions
ConsumersAdvocate.org Ratings
8.8 / 10 - Excellent
10/10
Coverage
7/10
Benefit Limits
8/10
Deductibles
10/10
Reimbursement
9/10
Claims and Service
9/10
Pricing
8/10
Enrollment
8.5 / 10 - Excellent
10/10
Coverage
10/10
Benefit Limits
10/10
Deductibles
10/10
Reimbursement
8/10
Claims and Service
6/10
Pricing
6/10
Enrollment
Customer Reviews
 (97)
8.2 / 10 - Excellent
74%
5 stars
4%
4 stars
3%
3 stars
2%
2 stars
16%
1 stars
 (1100)
8.8 / 10 - Excellent
80%
5 stars
5%
4 stars
2%
3 stars
2%
2 stars
10%
1 stars
Final Verdict

Embrace Pet Insurance has a higher overall rating than Nationwide Pet Insurance. Embrace scores better than Nationwide across: Claims and Service, Pricing, Reviews, and Enrollment. However, Nationwide scores better on Benefit Limits, and Deductibles. Both companies score similarly on Coverage, and Reimbursement.

Latest Reviews

E
Eric M
Oakland, California
Nationwide Pet Insurance review
8/17/2017
I am now a second year member (English Bull Terrier) with nationwide pet insurance. We have Whole Pet + Wellness (The Top-Tier) coverage. We signed up just before I turned 3 years. With a clean bill of health and no pre existing conditions. An easier question to ask yourself when choosing the right coverage is "what's not covered" or eligible for coverage the list is a lot shorter than trying to find out what it does. We submitted 4 claims in the last month of the policy before needing to renew for 2017-18 after we met our policy year deductible they covered 90% of all the claims! even cut a $1550 check for when I chewed up a bottle of Naproxen Sodium and my dad didn't know if I actually ingested any so rushed to the Vet immediately (thank's dad, doctors and staff) 3 days later and $1750 later I got to go home with 5 prescriptions and a special diet for a week. I'm all better and dads not broke or in debt because of it. Year two and they did not even raise the premiums or cancel the policy. So far 0 claims in year 2. I'll post with any updates if anything changes

B
Babette C
Garden Grove, California
Nationwide Pet Insurance review
8/17/2017
Thank you for inquiring about Tara. She is doing great, fully healed. However I submitted a review for the claim 201707241428 and a removal of bites and laceration from the policy. Tara was bitten 2 years ago by a dog and had a very minute event, I took her to the vet to make sure she was ok. You then excluded bite and lacerations. Laceration can happen due to many accidents. her condition was not a pre existing condition, it was an accident, her paw got hurt running in the back yard an a blood vessel was severed. she needed a little surgery and several visits to the vet for the after care, you denied the claim. very upsetting. the review is in your hands and hopefully you will take care of the problem. I have 3 dogs fully insured with you. I am very satisfied with you Insurance Cie, never a problem before. thank you

P
Pam
North Attleboro, Massachusetts
Embrace Pet Insurance review
8/6/2017
In the same month both of our girls had medical issues. The oldest needed to have to Mass Cancer Tumors removed. The surgery was expensive but having Embrace we knew our girl was going to be fine because we could afford the surgery. During the next week our little girl developed serious urinary problems. Again Embrace made it possible for her to get all the treatments she needed. In dealing with the girls medical issues my husband became ill. Embrace paid the claims very fast taking even more stress away.

S
Samuel L
Mesa, Arizona
Embrace Pet Insurance review
8/2/2017
I can't say enough positive things about this company. Every time I have contacted them I have bee handled with courtesy and professionalism. I have recommended Embrace to several people. To me that is the most positive of recommendations.

K
Kim K
Seattle, Washington
Embrace Pet Insurance review
3/30/2016
I have 2 10yr old Labs. Embrace has covered all things they have said they would withing the guidelines of the policy. They went out of their way to get my pups medical history and any additional information from the vets office. I don't know if the have the best overall coverage but i'm very happy with the coverage I have and the customer service that I receive. I absolutely recommend Embrace. And no, I have nothing to do with the company other than them being my chosen canine insurer. Have a blessed day

T
Tina A
Stockton, California
Nationwide Pet Insurance review
4/18/2015
I have had my insurance for a couple of years for my dog. I was thinking of canceling it because I didn't use it. Luckily, I didn't, my dog was recently diagnosed with Diabetes and the cost were huge. I turned my claim into VPI and they paid all but $250.00 of it. Wow!! Not only that but, I was paid with each claim in less than 14 days. Very convenient you can follow your claim on thier website. Thank you VPI. It was worth every penny I paid into it.

C
CJ M
Downers Grove, Illinois
Embrace Pet Insurance review
2/7/2015
Review regarding online quoting system: + allows for seemingly every modification to the quote you would like to make + doesn't appear to have a one time administrative fee + definitely the best quoting site for pet insurance I've found so far

J
Jean H
Raleigh, North Carolina
Nationwide Pet Insurance review
1/6/2015
I think your review is really unfair to VPI. I had VPI when I owned a very ill great dane and they paid out more than they would have recouped if the dog had lived 10 years. I currently have Pet Plan because of all the GLOWING reviews that I had read and am on the verge of dropping them because I'm paying more for their coverage than I did with VPI and they have NEVER paid out a SINGLE DIME! Not even for an animal attack. With Pet Plan, you are banking on your dog getting some hereditary illness later in life that will be costly, but the day to day costs of owning a pet? Forget it. I'm going back to VPI.