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
Pricing
8/10
Enrollment
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
Enrollment
Customer Reviews
 (76)
7.8 / 10 - Very good
70%
5 stars
4%
4 stars
3%
3 stars
3%
2 stars
20%
1 stars
 (444)
7.6 / 10 - Very good
68%
5 stars
5%
4 stars
2%
3 stars
3%
2 stars
21%
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, Reviews, and Enrollment. Whereas, Nationwide scores better on Benefit Limits, Deductibles, and Pricing. Both companies score similarly on Coverage, and Reimbursement Models.

Latest Reviews

Wendy B
Pompano Beach, Florida
Nationwide Pet Insurance review
5/27/2017
Quick reimbursement!! Very happy.

R
Rhonda S
Nationwide Pet Insurance review
5/27/2017
If I had not had Nationwide pet insurance my wonderful service dog would never had ACL surgery and post op injuries taken care of. I am so blessed I took out this insurance when she was a pup. I don't worry about her vet visits because Nationwide has taken care of my bills. Let me tell you, this has been pretty expensive. People are always saying " I wouldn't have been able to get my dogs leg fixed." I say, you would if you had Nationwide.

M
Monica J
Houston, Texas
Embrace Pet Insurance review
5/24/2017
I adopted my dog from a foundation that re-homes retired military working dogs and contract working dogs. My dog had no prior health problems was in incredible shape could scale a 6 foot wall and run faster than any dog I had ever seen in my life he is a pure bred shepherd with incredible hips and saw a veterinarian on a monthly basis during his time working for the government training as a explosive detection dog. Within a couple of weeks of adopting him I made the decision to put him on an insurance plan with embrace pet insurance even though it seemed like there was a very slim chance that this dog would ever have any kind of health problems. Quimby quickly stole my heart and my couch and 6 months after I adopted him he got sick. I took quimby to the emergency room on a Sunday night he could barely breath would not eat, i spent about 2 days and thousands of dollars consulting with specialists and radiologist doing diagnostic tests to try to figure out what was wrong with him and nobody could diagnose what was wrong with him so they ultimately made the decision to perform exploratory surgery. When they opened up his chest they found an extreamly large abscess leaking into his mediastinum cavity, they lanced it and put tubes in his chest to flush it out over the course of about 10 days he was in the ICU. As you can imagine this was an extreamly large sum of money, money that I did not have and without the insurance I wouldn't have been able to get the treatments for my dog, the only reason why my dog is alive is because of embrace insurance and I am so thankful for that.

Joe M
Florence, Massachusetts
Embrace Pet Insurance review
5/23/2017
We have had Embrace for seven years now. We have got a 180 lb English Mastiff that weve had from a pup, Embrace is right on top of informing you when they get a claim to let you know that they got it and its being processed. Embrace gets right in touch with you about the claim after its been looked at. Not once have weve been denied a claim in seven years and were talking about a 180lb Mastiff here. Embrace also has a wellness plan separate from the medical plan that covers yearly phisicals, that to is a very helpful plan. Seven years ago I looked into pet insurance for our boy and I looked at over 12 pet plans and we decided with Embrace. Our boy just went through torn acl surgery and can`t think what it would be like if we din`t have Embrace.I would highly recommend Embrace to anyone who is looking into pet insurance 5 star in my book.

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

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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.