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: August 23, 2017
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Embrace Pet Insurance
8.8 / 10 - Excellent
#3 in Pet Insurance
Our Partner
Nationwide Pet Insurance
8.5 / 10 - Excellent
#4 in Pet Insurance
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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
  • Free 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

ConsumersAdvocate.org Ratings

8.8 / 10 - Excellent
10/10
Coverage
7/10
Benefit Limits
8/10
Deductibles
10/10
Reimbursement
9/10
Claims and Service
9/10
Pricing
8/10
Enrollment
8.5 / 10 - Excellent
10/10
Coverage
10/10
Benefit Limits
10/10
Deductibles
10/10
Reimbursement
8/10
Claims and Service
6/10
Pricing
6/10
Enrollment

Customer Reviews

 (106)
8.2 / 10 - Excellent
75%
5 stars
4%
4 stars
3%
3 stars
2%
2 stars
16%
1 stars
 (1367)
8.8 / 10 - Excellent
82%
5 stars
5%
4 stars
2%
3 stars
2%
2 stars
9%
1 stars

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.


Latest Reviews

Lorna G
, Illinois

9/21/2017
Nationwide Pet Insurance review
I am so happy that I made the decision to purchase pet insurance from Nationwide! Filing claims is simple, and it has been a very good experience.


B
BARBARA B

9/21/2017
Nationwide Pet Insurance review
You are the best. Easy communication and prompt service. Neveer a problem. Thank you for being there


S
samuel p
Staten Island, New York

9/19/2017
Embrace Pet Insurance review
Excellent Service and Quick payout, Best available Coverage and premium cost when compare to other big insurance carriers Embrace beat them all. They also offer the option to cover pet wellness cost. Highly recommend Embrace.


Joey W

9/2/2017
Embrace Pet Insurance review
Great place to feel secure in your life with your additional family member covered in any event. Safe and secure with coverage that cares.


K
Kim K
Seattle, 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
Stockton, California

4/18/2015
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
Downers Grove, 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.