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
 (50)
7.2 / 10 - Very good
62%
5 stars
4%
4 stars
2%
3 stars
4%
2 stars
28%
1 stars
 (113)
3.0 / 10 - Poor
16%
5 stars
2%
4 stars
2%
3 stars
9%
2 stars
72%
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

Linda Mateos-Powell
Boston, Massachusetts
2/24/2017
I've been using Embrace for the past few years for both my cat and dog. They're really quick with processing claims and I haven't had any issues with them denying coverage. It's also super easy to submit claim documents online on their customer website. I highly recommend Embrace.

John Church
New Orleans, Louisiana
2/23/2017
Embrace has been extremely easy to work with. They review the claims very quickly and give you a response. The check follows within a few days. When I did not understand why a claim had been denied and called, they were very helpful and suggested I resubmit the claim and add the information that I had over looked in order for them to approve the claim. We have been very pleased with them for almost the two years they have covered our dogs. We have received far more in claims than the cost of the insurance.

S
Susan Kreston
New Orleans, Louisiana
2/13/2017
I have 2 dogs, the older is 11 and the younger is 2. I insure both of them with Nationwide. Last year my older dog had serious abdominal surgery and Nationwide reimbursed his quite substantial expenses quickly and easily. I would absolutely recommend Nationwide to anyone looking for coverage for their pets.

T
Tina Hernandez
, California
1/24/2017
I was skeptical to purchase pet insurance especially since Mia is only almost 4. However, after a couple of incidents where the lawn crew left our gate open and Mia got out an toured the neighborhood and busy streets I felt it may be a good idea just in case one time she had a run in with a car or a rogue animal. Mia also had an unfortunate encounter with fireworks last year that has turned her into a nervous doggie now during thunderstorms and holidays where fireworks are set off now. Working with her vet we have found the right therapy for her and Nationwide has made the process seamless and economical for us. Claims process through our vet is very easy and Nationwide is quick in processing your claim. Mia and I are very happy!

K
Kim K
Bellevue, Washington
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

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Tina A
Oakland, California
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
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
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.