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
8.8 / 10 - Excellent
#3 in Pet Insurance
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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
 (92)
8.2 / 10 - Excellent
74%
5 stars
4%
4 stars
2%
3 stars
2%
2 stars
17%
1 stars
 (877)
8.6 / 10 - Excellent
79%
5 stars
4%
4 stars
3%
3 stars
2%
2 stars
12%
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

Tara S
Eugene, Oregon
Nationwide Pet Insurance review
7/22/2017
I have been nothing but pleased with the coverage Nationwide has provided for my dog, Rowan. Endless bouts of GI upset and food trials, diagnostic testing, etc. Nationwide has been great with reimbursement. Thank you for helping me provide the best care possible for my boy!

P
Pat A
Pennsville, New Jersey
Nationwide Pet Insurance review
7/22/2017
My 12 year old Scottish Terrier, Katie Rose, has been a Nationwide pup since she was 3 months old. For most of her life, we only processed maintenance claims until 28 months ago when she was diagnosed with kidney stones, followed by Cushings and later, transitional cell carcinoma. It's a huge relief to know so much of her treatment expenses are covered by Nationwide so I can focus on providing her the expert care she needs as she courageously fights her illnesses.

S
SANDY
Birmingham, Michigan
Embrace Pet Insurance review
7/20/2017
I had embrace for our hairy guy and boy am i ever glad i did! He was diagnosed with a tumor on his cerebellum in april 2017 and passed away on june 25, 2017. Just awful for us, so heart breaking, we lost a cherished family member but let me tell you, having the embrace policy made this awful, horrible event so much easier to deal with. His mri / blood work was $4,000, i submitted the invoices 2 days later and boom! ....Check was in the mail within 10 days!!!! 80% of his bills have been covered / reimbursed. I have since submitted invoices for his meds and sadly his euthanasia, embrace has issued checks for those expenses as well. We miss that boy sooo much but this policy really made all the difference. If you can, you should!! I am forever grateful to embrace, we loved our boy and they stood behind us, as we had hoped and expected. Thank you embrace!!!

H
Hank S
Benicia, California
Embrace Pet Insurance review
7/18/2017
We took insurance for our then 7 month old puppy 5 1/2 yea s ago. We have made numerous claims since that time. Our dog has many allergies and we give him an injection weekly. Embrace has covered this and more and is timely with their reimbursement. We recently got a new puppy and their was no question that we would take out insurance on her with Embrace. I heartily recommend Embrace insurance for your pets

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

T
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.