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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Select 2 pet insurance companies to compare
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Embrace Pet Insurance
8.5 / 10 - Exellent
#3 in Pet Insurance
Our Partner
Nationwide Pet Insurance
8.4 / 10 - Exellent
#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 - Exellent
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 - Exellent
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
 (20)
4.8 / 10 - Average
30%
5 stars
5%
4 stars
5%
3 stars
10%
2 stars
50%
1 stars
 (101)
3.0 / 10 - Poor
15%
5 stars
2%
4 stars
2%
3 stars
9%
2 stars
71%
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

Natasha Hayes-Harhold
1/17/2017
I'm not sure why some people are so unhappy. We've had Nationwide since 2006. We have insured multiple dogs in that time and I have never had an issue. We did have to wait about 6 weeks or so for one complicated claim, but I was reimbursed beyond what I expected. We also had a dog die during a dental. I submitted everything and they actually combed through the policy to make sure we got as much as possible which ended up being more than expected. Obviously we would have preferred to have our dog back, but having most of the unexpected expenses (CPR, IV meds during attempts at resuscitation, etc) was helpful financially. I have a dog now that developed significant environmental allergies a bit later in life and we've had no issues with reimbursement on injection meds, daily allergy meds, and so forth. We have been very happy. They are, in my experience, vet up front with what the exclusions are. We have had no surprises. To date, we have insured 5 dogs with them.

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Mary Constantine
Hamden, Connecticut
1/11/2017
I have found Nationwide Pet Insurance to be great. The claims are processed quickly and reimbursement checks are sent in a timely manner. The website is user friendly. It is easy to find pending claims and to access pre-filled claim forms. My veterinarian recommended Nationwide and I followed his advice with my new puppy It's fortunate I did as my puppy broke her leg in December, 2016 and the cost of the surgery was very high. Nationwide came through for me quickly. Anyone who has a pet should purchase insurance from Nationwide and I have highly recommended it to all my friends who have pets.

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lizskips
Olney, Maryland
12/14/2016
My dear canine companion has been insured by Embrace for 2 and a half years now, since she was 10 weeks old. With every claim, be it routine wellness or emergency, Embrace has responded fairly and quickly. I did extensive research prior to switching to Embrace from my former dog's insurance company. Embrace is by far the best with their coverage, their customer service and their response time. I highly recommend Embrace to everyone!

Kathy Ferry
Massillon, Ohio
12/14/2016
I would give you an excellent rating if it were not for your refusal to cover growths in the mouth. I dont understand this. If a vet says the growth needs removed and sent for histopath then i think it should be covered. I understand dental hygeine and broken teeth and things like that but removing something that could be cancer should be treated just as if it were on another part of the body. I like embrace but will continue to search for insurance that will cover things in the mouth.

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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.

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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

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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.