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: April 18, 2024
Key Facts
- Unlimited reimbursement, use at any vet
- Covers illnesses, conditions & accidents
- Add on dental insurance & prescription coverage
- Optional wellness plan for routine check-ups, grooming & training costs
- 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
| Embrace | Nationwide | |
|---|---|---|
| Coverage | 5.0/5 | 5.0/5 |
| Cost | 4.5/5 | 3.0/5 |
| Extras | 4.5/5 | 4.0/5 |
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Embrace
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Final Verdict
Embrace Pet Insurance has a higher overall rating than Nationwide Pet Insurance. Embrace scores better than Nationwide across: Cost, Extras, Reviews, and Enrollment. However, Nationwide scores better on Benefit Limits, and Deductibles. Both companies score similarly on Coverage, and Reimbursement.
Customer Comments & Reviews
Embrace Pet Insurance review
I love Embrace. Indeed, my dog had an unexpected surgery after a complication from being neutered, at the same time that I had back surgery. Both surgeries were successful, but reimbursement from Embrace was a breeze, while dealing with my insurance company, not so much. Thankfully, I now have Medicare, but I recall sending a note to Embrace saying my only disappointment was that they didn't insure people. I would never go without insurance from Embrace for my dog. It just makes fet decisions so easy. Do what is best for the dog and don't worry about paying.
Embrace Pet Insurance review
We’ve had Embrace for four years, never had a claim denied and every time we’ve submitted a claim it has been processed and any money coming back to us has been in our bank account within less than 5 business days. We love it!
Nationwide Pet Insurance review
We have dealt with Nationwide Pet Insurance since 1992. They have always been there for our 2 Shih-Tzu's, Cleo and Bella. We had to euthanize Bella last month due to many medical problems. I called Nationwide and explained our situation. They offered condolences and said to send in the final bills. They paid them within 2 weeks. A few days later, they mailed us a check for the remainder of her policy, which was paid for the year. They also enclosed a message of condolences with the check. Thank you Nationwide!
Nationwide Pet Insurance review
I have the wellness+ injury/illness which covers everything. My experience with Nationwide has been very good. They pay the claims within 30 days. My dog has to have regular teeth cleaning with occasional extractions due to gingivitis and has been covered. I've had the insurance for about 5 years now and they have never denied a claim. They raise their rates every year though and I had to go from a 90% reimbursement to a 70% reimbursement for affordability. And this year I may need to raise my deductible. I chose a $250 deductible with unlimited coverage. The Vet help line has been useful only 2 times in the last 4 years though. But the last time I had to call, I was given good and helpful information to help my pet. I would recommend Nationwide based on my experience with them. I give a 4 star and not 5 stars because of the rate increase every year. But their coverage in my case has been 5 stars.
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
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.
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
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.
