Embrace vs. Nationwide Pet Insurance

Between Embrace and Nationwide, we found that Embrace offers better pet insurance for dogs, while Nationwide takes the lead for cats. Still, the best option for you may change depending on what particularly you're looking for. We broke down our rating categories below to help you in your decision-making process.

• Affordability: Embrace costs less than Nationwide for dogs, ranking 12th nationally while Nationwide places 14th. For cats, Nationwide is more affordable at 13th place, beating Embrace by one spot.
• Customer Experience: Nationwide ranks 4th nationally and delivers stronger service for both dogs and cats than Embrace, which trails by two spots in this category.
• Coverage: Both pets get more comprehensive benefits through Nationwide, which ranks ninth nationally. Embrace falls a spots behind in coverage quality.

Learn more about the best pet insurance options for your pet across different situations:

Nationwide ranks as the best pet insurance company in all 50 states for cats when compared to Embrace. Embrace's dog coverage beats Nationwide's in 32 states, while Nationwide upsets Embrace in 18 states, including California, Hawaii, New York, Oregon and Wisconsin.

Our pet insurance cost study discovered that Embrace is more affordable than Nationwide for most age groups, with puppies offering the biggest savings at 46%. That said, Nationwide costs less than Embrace for senior pets, charging $57 monthly for senior cats and $99 monthly for senior dogs, while Embrace costs $98 and $192, respectively.

Embrace offers the cheapest pet insurance in all states for younger animals compared to Nationwide, while Nationwide wins on price for senior pets nationwide. Here's how each provider performed across different age categories at the state level:

• Kittens: Embrace costs less in all 50 states, with Arkansas offering the lowest rates at $14 monthly for roughly 37% savings compared to Nationwide.
• Puppies: Embrace wins in every state. Arkansas residents pay just $22 monthly, saving 46% over Nationwide's monthly rate of $41.
• Young Cats: All 50 states favor Embrace for affordability, and Arkansas delivers the best value at $19 monthly (26% cheaper than Nationwide).
• Young Dogs: Embrace beats Nationwide nationwide. Arkansas offers the lowest monthly rate at $30, cutting costs by 37%.
• Middle-Aged Cats: Embrace is cheaper than Nationwide across all states, with Arkansas providing rates as low as $31 monthly (15% savings).
• Middle-Aged Dogs: Every state shows lower Embrace rates. Arkansas pet owners pay $51 monthly, saving 24% compared to Nationwide.
• Senior Cats: Nationwide provides better value than Embrace in all 50 states. Arkansas offers the cheapest coverage at $39 monthly, saving you 40% on premiums.
• Senior Dogs: Nationwide costs less in 50 states, with Arkansas leading as the cheapest state at $67 monthly (48% savings over Embrace).

Nationwide offers more pet insurance discounts, with three available compared to Embrace's two. Both companies offer savings for multi-pet households, though Embrace's discount is higher at 10% off versus Nationwide's 5%. Embrace is also your only option if you have a military background, while Nationwide is ideal for existing customers and those who join employer group plans.

Nationwide offers superior customer experience when compared to Embrace, ranking fourth nationally for both pets in our analysis. While both providers maintain A+ ratings from the Better Business Bureau, Nationwide leads with a higher Trustpilot score (4.4 versus 4.1) and stronger positive sentiment on Reddit (43% versus 29%).

Nationwide offers broader pet insurance coverage than Embrace, placing ninth nationally for dogs and cats compared to Embrace's 10th rank. Although Embrace covers hereditary and congenital conditions, and hip dysplasia in its base policy unlike Nationwide, Nationwide is still superior for extending coverage to exotic animals, like birds and rabbits.

Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.

If you want more financial protection for your pet, both Embrace and Nationwide offer two optional add-ons to expand your base policy's coverage to include routine care, exam fees and more.

• Wellness Rewards: Covers exams, dental cleaning, vaccines, blood tests, spay/neuter procedures, microchipping, grooming, and training with annual benefit options of $300, $500, or $700.
• Exam Fees: Reimburses the cost of vet exam fees for eligible accidents and illnesses.

• Wellness coverage: Covers physical exams, vaccines, heartworm or FeLV/FIV tests, deworming, microchipping and health certificates, with annual benefit amounts of either $450 or $800.
• Hereditary and Congenital Condition coverage: Provides coverage for inherited and congenital conditions such as hip dysplasia, patellar luxation, collapsed trachea and Wobblers syndrome.

Choosing between Embrace and Nationwide depends on your priorities for pet insurance. Nationwide is ideal for cat insurance, excellent customer service and broad coverage. Embrace is the better option if you're particularly looking for dog insurance with affordable rates.

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Compare Embrace and Nationwide pet insurance through these common questions: