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.
Last Updated: May 18, 2018
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Embrace Pet Insurance
8.8 / 10 - Excellent
#3 in Pet Insurance
Nationwide Pet Insurance
8.5 / 10 - Excellent
#4 in Pet Insurance
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
  • 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

OVERALL RATINGS

 EmbraceNationwide
Coverage10/1010/10
Benefit Limits7/1010/10
Deductibles8/1010/10
Reimbursement10/1010/10
Claims and Service9/108/10
Pricing9/106/10
Enrollment8/106/10

What do their policies cover?

 EmbraceNationwide
Pets Covered
Dogs
Cats
Dogs
Cats
Birds
Exotic Animals
Coverage Types
Medical
Wellness
Medical
Wellness
Vet Selection
Unrestricted
Unrestricted
Out-of-State Coverage
Commercial Pets Covered

Medical Conditions Covered

Embrace
vs
Nationwide
  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental
  • Dental Illness
  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental
  • Dental Illness

Medical Treatments Covered

Embrace
vs
Nationwide
  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care
  • Behavioral Therapy
  • Prosthetics & Mobility Aids
  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care
  • Behavioral Therapy

How do their benefit limits compare?

 EmbraceNationwide
Benefit Limit Types
Annual
Unlimited
Annual Benefit Maximum
$15,000

Reimbursement & Deductible Differences

 EmbraceNationwide
Reimbursement Model
Actual Cost
Actual Cost
Benefit Schedule
Minimum Percent Reimbursement
65%
90%
Maximum Percent Reimbursement
90%
90%
 EmbraceNationwide
Deductible Type
Annual
Annual
Minimum Deductible Offered
$100
$100
Maximum Deductible Offered
$1,000
$500

Cost Comparison

Starting Monthly Premiums

 EmbraceNationwide
Dogs
$13.04
$34.25
Cats
$8.98
$18.84
Rate Details: Annual Deductible: $1,000 Benefits Cap: $5,000 Reimbursement Model: 70% of Actual Cost
Rate Details: Annual Deductible: $250, Benefits Cap: Annual & Unlimited, Reimbursement Model: Benefits Schedule
Available Discounts: Discounts vary by state. Discount options include, but are not limited to, a multiple pet discount of 5-10%, military discount of 5%, spay/neuter discount of 5%, annual payment discount of 5%, paying via bank account discount of 5%, and PenHIP discount of 5% (if score is 0.3 or lower).
Available Discounts: 5% discount on current Nationwide member

Compare Enrollment & Waiting Periods

 EmbraceNationwide
Min Enrollment Age
6 weeks
6 weeks
Max Enrollment Age
14 years
10 years
Illnesses Waiting Period
14 days
14 days
Free Look Period
30 days
10 days

Claims & Service

 EmbraceNationwide
Claim Form
Mail
Email
Fax
Online Portal
Mail
Email
Fax

Contact & Additional Information

 EmbraceNationwide
Homepage URL
Headquarters Address
4530 Richmond Road, Cleveland, OH, 44128
One Nationwide Plaza, Columbus, OH, 43215
Mailing Address
PO Box 22188, Beachwood, OH, 44122
P.O. Box 2344, Brea, CA, 92822
Year Founded
2003
1981

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.


Customer Comments & Reviews

S
susa a
Miami, Florida

5/4/2018
Embrace Pet Insurance review
disgusted was a client forb3years and i missed one payment and they cacelled my coverage when i called tonreinstate they cancelled my wellness they are thieves dont trust them


A
Ashwini
Los Angeles, California

5/2/2018
Embrace Pet Insurance review
It was only 4 months ago that we had purchased the policy and our dog was diagnosed with a toe bone rupture which had to be treated immediately by doing a surgery. Embrace reimbursed complete 80% of the amount which included surgery and all bandage change visits. Thank you Embrace !!


Randeep S
Irvine, California

2/28/2018
Nationwide Pet Insurance review
I joined Nationwide as of July 2017 based on the nationwide brand. I have submitted my first ever claims for my pet Sully and it's taken them over 2 months to get all sort of medical history for a Viral bump that needed surgical removal. The customer care is a hit or miss with ranging from polite to rude and defensive depending on who you get. Unnecessary documentation and medical history which should be asked for during enrollment isn't off course to facilitate the revenues coming in but the customer is made to jump through hoops to get the claims paid. I wouldn't recommend them.


John G
Denville, New Jersey

2/21/2018
Nationwide Pet Insurance review
Bluebell is feeling much better & Thanks to this company there was minimal out of pocket expense. Getting my bluebell's coverage through Nationwide was the best decision I have ever made.


K
Kim K
Auburn, Washington

3/30/2016
Embrace Pet Insurance review
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
San Francisco, California

4/17/2015
Nationwide Pet Insurance review
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
Chicago Heights, Illinois

2/7/2015
Embrace Pet Insurance review
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
Nationwide Pet Insurance review
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.