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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: November 17, 2017
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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
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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
  • 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

 (120)
8.4 / 10 - Excellent
76%
5 stars
4%
4 stars
3%
3 stars
2%
2 stars
16%
1 stars
 (1759)
9.0 / 10 - Excellent
84%
5 stars
5%
4 stars
2%
3 stars
2%
2 stars
7%
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

Shannon F
11/17/2017
Nationwide Pet Insurance review
I have had pet insurance for many years now and feel it is well worth the money. Since I am retired and have two dogs it helps my budget immensely. I recommend Nationwide pet insurance to anyone who has pets!


Martha L
Katy, Texas
11/17/2017
Nationwide Pet Insurance review
I'm so appreciative for my Nationwide pet insurance. I've had insurance on two of my four fur babies since they found me (I just can't afford insurance for my younger girls). My crazy chocolate Lab is, well, crazy and has gotten pancreatitis twice in the past year because he's getting old and can't eat things he did in his youth. His first bout almost killed him last year away from home when he had to spend three days in the emergency clinic. I've been able to save my baby because I have insurance for him. (I really wish I could afford it for my girls...)


D
David R
Tustin, California
11/15/2017
Embrace Pet Insurance review
Goldie, (my Silkie/whippet mix) had a great 2016; no claims at all. However the year before she managed to accumulate nearly $6000.00 in medical bills between self-inflicted poisoning (sago plant ingestion) and pancreas issues, again eating things she shouldn't. After the deductible was paid I only had $1600.00 total out of pocket expense. I'm on a serious budget and $6000.00 for a doggie Dr. bill... I may not have been able to save her. Because of Embrace I was able to save her from certain death! THANK YOU SO MUCH EMBRACE!


M
Marc R
Fairfield, California
11/9/2017
Embrace Pet Insurance review
The Embrace representatives we spoke with on the phone were extremely helpful and courteous. They also provided excellent information regarding processing the claim. Our claim was processed in a timely manner without any discrepancies. The reimbursement check was exactly the amount we expected to receive when we filed the claim. Thank you.


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
Brentwood, 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
Plainfield, 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.