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
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
8.8 / 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
 (84)
8.0 / 10 - Very good
73%
5 stars
4%
4 stars
2%
3 stars
2%
2 stars
18%
1 stars
 (642)
8.2 / 10 - Excellent
74%
5 stars
5%
4 stars
3%
3 stars
2%
2 stars
15%
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

Jenni Z
Hollywood, Florida
Nationwide Pet Insurance review
6/23/2017
I was happy with how quick my claim was expedited.

Samy L
Nationwide Pet Insurance review
6/23/2017
I am in love with Nationwide and tell everyone I know about how wonderful my experience has been. My 8 month old goldendoodle puppy was diagnosed with excessive thirst and urination and we've had to pursue a lot of testing to try to figure out what is wrong with him. Nationwide reimbursed us for everything and checked in to see how he was doing. It made it easy for us to make the decision to do the testing he needed, even though it added up to hundreds of dollars, we wanted to be sure his kidneys were healthy before having him neutered. Without insurance I'm not sure we would have been able to get the testing done financially. Also we recently set up the electronic payment and it's so fast to get reimbursements deposited directly into my account!

G
Gayle M
Cornwall-on-Hudson, New York
Embrace Pet Insurance review
6/22/2017
I thought many times about letting the insurance lapse and not renewing it but the older my pet gets the more he needs his insurance. Recently he was favoring his hind quarters and sometimes falling over to the side. I brought him to his vet and he was given Rimadyl to ease his joint pain. When he went back for his recheck the vet tested him for Lymes disease and to my surprise he tested positive. His medication cost 179.00 at Rite Aid and I submitted a claim for his Lymes and the medication. It makes it so much less painful when I know I am getting money back from our visit. I am grateful for Embrace at times like these.

Robyn M
Katonah, New York
Embrace Pet Insurance review
6/18/2017
Excellent customer care. Thank god i have insurance! It was very reasonably priced. My kitten has a pre-existing condion, but my animal hospital told me to just submit every bill and history and see what they choose to cover. It has actually been in my favor every time!! I get a lot back from them for everything my kitten needs! The only thing I wish Embrace was better at was sending my animal hospital the checks instead of myself. My animal hospital is great, by that they use the check first and then bill me. I have signed their waiver and sent it multiple times to Embrace to pay my animal hospital instead of myself for my coverage, but they still dont follow directions! Hope they get better at that! I am very happy with Embrace; thank god i got insurance for my kitten!!

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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.