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
Our Partner
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
Pricing
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
Pricing
3/10
Reviews
Customer Reviews
 (70)
7.8 / 10 - Very good
69%
5 stars
4%
4 stars
3%
3 stars
3%
2 stars
21%
1 stars
 (197)
5.4 / 10 - Average
44%
5 stars
2%
4 stars
3%
3 stars
7%
2 stars
45%
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, Pricing, and Enrollment. Both companies score similarly on Coverage, and Reimbursement Models.

Latest Reviews

Christine S
Wading River, New York
Nationwide Pet Insurance review
4/27/2017
IVES IS DOING VERY WELL. HER STITCHES WILL COME OUT ON SATURDAY. I JUST WANT TO THANK EVERYONE AT NATIONWIDE PET INSURANCE FOR THE GREAT SERVICE I RECIEVE FOR MY FUR BABIES. EVERY TIME I HAD TO CALL OR HAD QUESTIONS EVERY ONE IS SO NICE AND HELPFUL. PAYMENT ARRIVE IN A SHORT TIME. I HAVE BEEN WITH PET INS FOR ALMOST TWENTY YEARS SINCE ITS NATIONWIDE NOW THE SERVICE IS EVEN BETTER. THANK YOU FOR ALL OF YOUR HELP THIS YEAR AT ONE TIME I HAD THREE CATS SICK AT ONE TIME ALL WITH DIFFERENT ISSUES. PRIOR TO THIS I HAD LOST MY CAT BELLE OF 16 YEARS IN NOVEMBER. YOUR CUSTOMER SERVICE IS EXCELLENT!!!!!!!!!!! THANK YOU CHRISTINE PICKARD CHLOE SHELBY AND IVES

Amy C
Raleigh, North Carolina
Nationwide Pet Insurance review
4/26/2017
We have been very pleased with our Nationwide Pet Insurance. I would recommend them to anyone who is getting or has a puppy. You never know what could happen and it is so nice to be able to say yes to the vet even if the expense would normally be too high. We have been so pleased with the quick turn around with our statements as well. Our sweet pup is so thankful for Nationwide and so are we!

Catherine C
Port Orange, Florida
Embrace Pet Insurance review
4/20/2017
I am so pleased with the human and humane response I have had with Embrace. I often toll people on my walk about the complex where I live. Embrace the best !!!!

Keshia
Seattle, Washington
Embrace Pet Insurance review
4/19/2017
On to our third surgery with our fur baby and Embrace is always so easily accessible and great to work with. Called customer service recently on more information about our upcoming survey and they were so nice and empathetic. I've had very genuine experiences every time. Thank you guys!

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.