Nationwide offers better pet insurance coverage than Embrace for both cats and dogs, ranking ninth nationally while Embrace ranks tenth. Both providers offer similar deductible ranges and reimbursement rates, but Nationwide provides more flexible annual limit options and shorter waiting periods for accident coverage, while Embrace allows policy adjustments within 30 days of enrollment.
Embrace vs. Nationwide Pet Insurance
Updated: November 3, 2025
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Embrace vs. Nationwide Pet Insurance: Key Takeaways
Embrace provides more affordable pet insurance rates, charging $46 monthly for middle-aged cats and $77 for dogs, while Nationwide's rates are higher at $52 and $101 respectively.
Nationwide ranks fourth nationally in customer experience with a 4.4 out of 5.0 Trustpilot rating, performing better than Embrace's sixth-place ranking and 4.1 rating.
Nationwide leads in coverage quality, ranking ninth nationwide compared to Embrace's tenth-place position, while both providers offer comprehensive accident coverage and wellness add-ons.
Is Embrace or Nationwide Pet Insurance Better?
Data filtered by:
Dog
| Affordability | Embrace | 12 | 14 |
| Coverage | Nationwide | 9 | 10 |
| Customer Experience | Nationwide | 4 | 6 |
| Overall Score | Embrace | 13 | 14 |
Embrace and Nationwide Comparison by State
Nationwide is the best pet insurance company in seven states for cats and nine states for dogs. Embrace leads in six states for dog coverage: Arkansas, Idaho, Illinois, Nebraska, Nevada and Tennessee.
Data filtered by:
Overall Score
Dog
| Alabama | Embrace | 12 | 1 |
| Alaska | Embrace | 12 | 1 |
| Arizona | Nationwide | 11 | 1 |
| Arkansas | Embrace | 11 | 3 |
| California | Nationwide | 11 | 3 |
| Colorado | Nationwide | 11 | 3 |
| Connecticut | Nationwide | 11 | 2 |
| Delaware | Nationwide | 12 | 1 |
| Florida | Embrace | 12 | 2 |
| Georgia | Nationwide | 13 | 1 |
| Hawaii | Nationwide | 12 | 2 |
| Idaho | Embrace | 11 | 3 |
| Illinois | Embrace | 11 | 1 |
| Indiana | Embrace | 13 | 1 |
| Iowa | Embrace | 13 | 1 |
| Kansas | Embrace | 12 | 2 |
| Kentucky | Embrace | 12 | 1 |
| Louisiana | Embrace | 13 | 1 |
| Maine | Embrace | 13 | 1 |
| Maryland | Embrace | 13 | 1 |
| Massachusetts | Nationwide | 12 | 2 |
| Michigan | Embrace | 12 | 1 |
| Minnesota | Nationwide | 13 | 1 |
| Mississippi | Embrace | 12 | 1 |
| Missouri | Embrace | 13 | 1 |
| Montana | Embrace | 12 | 2 |
| Nebraska | Embrace | 11 | 3 |
| Nevada | Embrace | 11 | 3 |
| New Hampshire | Nationwide | 11 | 3 |
| New Jersey | Nationwide | 11 | 2 |
| New Mexico | Embrace | 12 | 1 |
| New York | Nationwide | 12 | 1 |
| North Carolina | Nationwide | 13 | 1 |
| North Dakota | Embrace | 12 | 2 |
| Ohio | Nationwide | 11 | 3 |
| Oklahoma | Embrace | 12 | 2 |
| Oregon | Nationwide | 11 | 3 |
| Pennsylvania | Embrace | 12 | 2 |
| Rhode Island | Embrace | 13 | 1 |
| South Carolina | Embrace | 12 | 1 |
| South Dakota | Embrace | 13 | 1 |
| Tennessee | Embrace | 11 | 3 |
| Texas | Embrace | 12 | 2 |
| Utah | Nationwide | 12 | 2 |
| Vermont | Embrace | 13 | 1 |
| Virginia | Nationwide | 12 | 2 |
| Washington | Embrace | 13 | 1 |
| West Virginia | Embrace | 12 | 2 |
| Wisconsin | Nationwide | 11 | 2 |
| Wyoming | Embrace | 12 | 2 |
Embrace vs. Nationwide Pet Insurance Cost
Embrace offers more affordable pet insurance than Nationwide across most age groups, though Nationwide is cheaper for senior pets. For middle-aged dogs, Embrace costs $77 per month compared with Nationwide's $101. Middle-aged cats cost $46 with Embrace versus $52 with Nationwide.
Learn how much pet insurance costs across different age categories.
Data filtered by:
Select
| Kittens | Embrace | $21 | 36% |
| Young Cats | Embrace | $29 | 24% |
| Puppies | Embrace | $33 | 46% |
| Young Dogs | Embrace | $44 | 36% |
| Middle Aged Cats | Embrace | $46 | 13% |
| Senior Cats | Nationwide | $57 | 41% |
| Middle Aged Dogs | Embrace | $77 | 24% |
| Senior Dogs | Nationwide | $99 | 48% |
Embrace vs. Nationwide Pet Insurance Cost by State
Embrace offers the cheapest pet insurance across all states for younger pets and middle-aged dogs and cats, while Nationwide provides better rates for senior pets nationwide.
Data filtered by:
Middle Aged Dogs
| Alabama | Embrace | $57 | 24% |
| Alaska | Embrace | $75 | 24% |
| Arizona | Embrace | $93 | 24% |
| Arkansas | Embrace | $51 | 24% |
| California | Embrace | $97 | 24% |
| Colorado | Embrace | $97 | 23% |
| Connecticut | Embrace | $88 | 24% |
| Delaware | Embrace | $77 | 24% |
| Florida | Embrace | $87 | 24% |
| Georgia | Embrace | $69 | 24% |
| Hawaii | Embrace | $78 | 24% |
| Idaho | Embrace | $77 | 24% |
| Illinois | Embrace | $95 | 24% |
| Indiana | Embrace | $69 | 24% |
| Iowa | Embrace | $65 | 24% |
| Kansas | Embrace | $70 | 24% |
| Kentucky | Embrace | $61 | 24% |
| Louisiana | Embrace | $62 | 24% |
| Maine | Embrace | $93 | 24% |
| Maryland | Embrace | $76 | 23% |
| Massachusetts | Embrace | $99 | 24% |
| Michigan | Embrace | $77 | 24% |
| Minnesota | Embrace | $80 | 24% |
| Mississippi | Embrace | $65 | 24% |
| Missouri | Embrace | $61 | 24% |
| Montana | Embrace | $64 | 24% |
| Nebraska | Embrace | $69 | 24% |
| Nevada | Embrace | $79 | 24% |
| New Hampshire | Embrace | $89 | 24% |
| New Jersey | Embrace | $87 | 24% |
| New Mexico | Embrace | $68 | 24% |
| New York | Embrace | $83 | 24% |
| North Carolina | Embrace | $69 | 24% |
| North Dakota | Embrace | $59 | 24% |
| Ohio | Embrace | $71 | 23% |
| Oklahoma | Embrace | $64 | 24% |
| Oregon | Embrace | $96 | 23% |
| Pennsylvania | Embrace | $80 | 24% |
| Rhode Island | Embrace | $67 | 24% |
| South Carolina | Embrace | $73 | 24% |
| South Dakota | Embrace | $68 | 24% |
| Tennessee | Embrace | $71 | 24% |
| Texas | Embrace | $81 | 24% |
| Utah | Embrace | $73 | 24% |
| Vermont | Embrace | $71 | 24% |
| Virginia | Embrace | $82 | 23% |
| Washington | Embrace | $89 | 24% |
| West Virginia | Embrace | $66 | 24% |
| Wisconsin | Embrace | $82 | 24% |
| Wyoming | Embrace | $71 | 24% |
Embrace vs. Nationwide Pet Insurance Discounts
Pet insurance savings can vary significantly between providers, depending on the number of pets you insure and where you live. Both Embrace and Nationwide offer multiple ways to lower premiums, making pet care more affordable for families who insure more than one animal or participate in employer programs.
Save 5% to 10% when you insure two or more pets under one Nationwide plan. | Save 10% automatically when you insure two or more pets on the same Embrace policy. | |
Bundling | Policyholders with existing Nationwide home, renters, or auto insurance may qualify for a 5% pet insurance discount. | None |
Annual Pay-In Full | May be available depending on plan and state regulations. | May be available depending on plan and state regulations. |
Association/Club Member | Members of participating organizations, including Petco partners, may qualify for limited-time discounts. | Active and former U.S. military members receive a 5% discount on Embrace pet insurance policies. |
Employer Group | Offered as part of Nationwide’s voluntary benefits program for employees of partner companies. | No employer-specific discount program publicly listed. |
Embrace vs. Nationwide Pet Insurance Customer Experience
Nationwide delivers better customer experience than Embrace, ranking fourth nationally for both dog and cat insurance in our analysis. Embrace trails by six positions in both categories. Both providers maintain A+ BBB ratings, but Nationwide edges ahead with a 4.4 out of 5.0 Trustpilot score compared to Embrace's 4.1 rating, showing more consistent customer satisfaction across review platforms.
Embrace vs Nationwide Trustpilot ratings
Nationwide earns a higher Trustpilot rating at 4.4 out of 5.0 compared to Embrace's 4.1 out of 5.0. These verified customer reviews indicate stronger overall satisfaction with Nationwide's service delivery and claims experience.
Embrace vs Nationwide BBB ratings
Both providers maintain A+ BBB ratings with full accreditation, with Nationwide holding its A+ rating as well. These ratings reflect strong complaint resolution practices and business transparency for both companies.
Embrace vs Nationwide Pet Insurance Reddit Sentiment
Reddit discussions show Nationwide performing better with 43% positive sentiment from 14 total comments compared to Embrace's 29% positive rating from 21 comments. User feedback suggests Nationwide receives fewer complaints relative to positive mentions in online discussions.
Embrace vs. Nationwide Pet Insurance Coverage
Embrace offers slightly broader pet insurance coverage flexibility than Nationwide, particularly with its Wellness Rewards and unlimited annual limit option. Both companies include extensive illness and accident protection, though Nationwide’s plans can vary depending on the type of policy (Whole Pet, Major Medical, or Modular).
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | ✓ (covered through optional Wellness Rewards) | ✓ |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$200, $300, $500, $750, $1,000 | $100, $250, $500, $1,000 | |
$5,000, $10,000, $15,000, $30,000, or Unlimited | $10,000, $20,000, or Unlimited (varies by plan) | |
70%, 80%, 90% | 50%, 70%, 90% | |
2 days for accidents, 14 days for illnesses, 6 months for orthopedic conditions (may be reduced with exam) | 14 days for illnesses, 14 days for accidents | |
Age restrictions | No upper age limit for accident and illness coverage | Enrollment typically available for pets under 10 years old for illness plans |
Curable conditions covered after 12 months symptom-free | Not covered (applies to both chronic and curable) | |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Embrace vs. Nationwide Pet Insurance Add-ons
If you want more financial protection for preventive and routine care, both Embrace and Nationwide offer add-ons that help cover wellness expenses like vaccinations, dental cleanings, and regular vet visits.
Embrace Pet Insurance Add-ons
Embrace’s optional Wellness Rewards plan reimburses a set amount per year for routine care.
- Wellness Rewards plan: Covers exams, dental cleaning, vaccines, blood tests, spay/neuter, microchipping, grooming, and training with annual benefit options of $300, $500, or $700.
- Prescription drug coverage: Included with some Embrace plans, helping pet owners afford medications for covered illnesses or injuries.
Nationwide Pet Insurance Add-ons
Nationwide offers customizable wellness benefits and modular plan options that let you tailor your coverage to your pet’s needs.
- Wellness plan options: Covers exams, vaccines, blood tests, dental cleaning, flea/tick medication, and other preventive treatments.
- Modular wellness add-on: Available with select plans to include spay/neuter, heartworm prevention, and annual wellness screenings.
Embrace vs. Nationwide Pet Insurance: Bottom Line
Choosing between Embrace and Nationwide depends on your priorities for pet insurance. Embrace offers more affordable rates, with coverage starting at $46 per month for middle-aged cats and $77 for dogs. Nationwide delivers better customer service, earning a 4.4 out of 5.0 Trustpilot rating and an A+ BBB rating, plus more comprehensive coverage options including wellness plans and exotic pet coverage.
Embrace vs. Nationwide Pet Insurance Comparison: FAQ
Compare Embrace and Nationwide pet insurance through these common questions:
Which is cheaper: Embrace vs Nationwide pet insurance?
Embrace is cheaper than Nationwide for most pet categories, winning in 6 out of 8 age groups. Middle-aged cats cost $46 monthly with Embrace versus Nationwide's $52. The savings are even greater for middle-aged dogs at $77 with Embrace compared to Nationwide's $101 monthly rate.
Which has better customer service: Embrace vs Nationwide pet insurance?
Nationwide delivers superior customer service, ranking fourth nationally for customer experience while Embrace trails significantly behind. Nationwide maintains a 4.4 out of 5.0 Trustpilot score and an A+ BBB rating, compared to Embrace's 4.1 Trustpilot rating and A+ BBB grade. Both providers earn top BBB ratings, but Nationwide's higher customer satisfaction scores demonstrate stronger service quality.
Which offers better coverage: Embrace vs Nationwide pet insurance?
Nationwide offers better coverage than Embrace, ranking 9th nationally while Embrace ranks 10th for both cats and dogs. Nationwide provides comprehensive add-ons including dental illness coverage, behavioral therapy, and end-of-life care options. Both insurers cover standard treatments like diagnostics, medications, and chronic conditions, but Nationwide's extensive add-on selection delivers superior customization flexibility.
Can I switch from Embrace vs Nationwide pet insurance or vice versa?
Yes, you can switch between Embrace and Nationwide pet insurance anytime by canceling your current policy and purchasing a new one. However, new waiting periods will apply: typically 14 days for illnesses and up to six months for orthopedic conditions. Any conditions diagnosed under your previous policy become pre-existing with your new insurer.
Does Embrace vs Nationwide cover pre-existing conditions?
Neither Embrace nor Nationwide covers pre-existing conditions initially. However, both companies may provide coverage for certain conditions later. Embrace covers curable pre-existing conditions after 12 consecutive months without symptoms, treatment, or medication. Nationwide offers similar coverage for curable conditions after one full year symptom-free, but chronic conditions remain permanently excluded from coverage.
Can I get discounts with both Embrace vs Nationwide pet insurance?
Both Embrace and Nationwide offer discounts to help reduce pet insurance costs. Embrace provides multiple discount options, including savings for military members, veterinary professionals, and multi-pet households. Nationwide offers fewer discount programs but includes multi-pet discounts and potential savings through employer group benefits. Both companies periodically update their discount offerings, so available savings may vary by location and eligibility requirements.
What are the age limits for Embrace vs Nationwide pet insurance?
Nationwide accepts pets of any age for enrollment with no upper age limits, making it accessible for senior animals. Embrace restricts enrollment for older pets, typically setting maximum age limits around 14 years depending on the pet's breed and species, which limits coverage options for aging animals.
How We Scored Embrace vs. Nationwide Pet Insurance
Evaluating Embrace versus Nationwide required analyzing both providers under identical conditions and coverage scenarios. We obtained quotes from each company using the same pet profiles and policy specifications listed below.
- $5,000 annual limit
- 80% reimbursement rate
- $500 deductible
- 6-year-old Labrador Retriever for dog coverage
- 7-year-old Ragdoll for cat coverage
MoneyGeek then scored both providers using three key factors weighted by their importance to pet owners.
Affordability (50% of score): We collected quotes across different pet ages and coverage options to determine actual monthly costs, including available discounts that affect real premiums.
Customer Experience (30% of score): We analyzed Trustpilot ratings and online reviews to assess customer satisfaction with claims processing and support services.
Coverage (20% of score): We examined policy features, waiting periods and available add-ons to determine which provider offers more comprehensive pet health protection.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.