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.
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Embrace Pet Insurance
8.5 / 10 - Excellent
#3 in Pet Insurance
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Nationwide Pet Insurance
8.4 / 10 - Excellent
#4 in Pet Insurance
Our Partner
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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
  • Insurers most birds and exotic pets!
  • $250 annual deductible with Unlimited Claims
  • ​Covers congenital and hereditary conditions
ConsumersAdvocate.org Ratings
8.5 / 10 - Excellent
10/10
Coverage
7/10
Benefit Limits
8/10
Deductibles
10/10
Reimbursement Models
9/10
Claims and Service
7/10
Costs
8/10
Reviews
8.4 / 10 - Excellent
10/10
Coverage
10/10
Benefit Limits
10/10
Deductibles
10/10
Reimbursement Models
8/10
Claims and Service
8/10
Costs
3/10
Reviews
Customer Reviews
 (53)
7.4 / 10 - Very good
64%
5 stars
4%
4 stars
2%
3 stars
4%
2 stars
26%
1 stars
 (132)
3.6 / 10 - Poor
20%
5 stars
2%
4 stars
4%
3 stars
8%
2 stars
66%
1 stars
Final Verdict

Embrace Pet Insurance and Nationwide Pet Insurance are very close in quality and have the same overall rating. That said, Embrace scores better than Nationwide across: Claims and Service, and Reviews. Whereas, Nationwide scores better on Benefit Limits, Deductibles, and Costs. Both companies score similarly on Coverage, and Reimbursement Models.

Latest Reviews

Julie E
New Braunfels, Texas
Nationwide Pet Insurance review
3/23/2017
My Nationwide Pet Insurance policy for Molly went into effect 2-1-17, on 2-14-17 she began to throw up. Took her to the vet......2 days later she was having emergency surgery! I filed my claim and crossed my fingers. In rapid turn around time everything except a few cans of dog food out of the $978.16 final cost was either reimbursed or went towards my deductible!! My deductible is a very reasonable $250. I could not be more impressed or pleased with Nationwide!!!! Excellent customer service, quick turn around time for claims and excellent coverage. I almost waited another year to even start the policy-so glad I did not. You never know what could happen. Molly is only one and a half years old.

scott
Nationwide Pet Insurance review
3/23/2017
I bought the most expensive insurance plan, the whole pet and wellness plan. They claim 90% of bills are covered and it's true. My german shephard (best dog in the world) was diagnosed with fistula(s) and the treatment is expensive and ongoing. He's also been put on a prescription diet. He's getting better. Without this insurance, I doubt most people could afford these bills out of pocket. I'm very impressed and grateful this plan is offered.

carole b
Hemet, California
Embrace Pet Insurance review
3/19/2017
Very impressed with the professionalism your group has shown to me in my time of need. After Dolcee passed away your staff sent condolence cards with very touching comments. It was so appreciated.

S
Stephen H
Pembroke, Massachusetts
Embrace Pet Insurance review
3/3/2017
We had to put down our beloved Black Lab (8 years old) due to a spinal cord tumor. My wife and were devastated but the only positive of the whole experience was how wonderful Embrace was covering his claim and reimbursing us for the sizable medical bills he incurred before his euthanasia. I would (and already have) strongly recommend Embrace to any pet parent. The staff was genuinely sincere and compassionate about our loss and did their best to help us with our claim.

K
Kim K
Bellevue, 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
Oakley, 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.