Embrace vs. Nationwide Pet Insurance

Nationwide offers better pet insurance 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.

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

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.

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.

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.

Pet insurance savings can vary between providers, depending on the number of pets you insure and where you live. Both Embrace and Nationwide offer multiple pet insurance discounts, making pet care more affordable for families who insure more than one animal or participate in employer programs.

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 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).

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 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 provides the following optional add-ons:

• 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.
• Exam Fee add-on: Covers the cost of vet exam fees for eligible accidents and illnesses.

Nationwide offers customizable wellness benefits and modular plan options that let you tailor your coverage to your pet’s needs.

• 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: Covers 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. 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.

Compare other major pet insurance companies to determine the best choice for your pet:

Compare Embrace and Nationwide pet insurance through these common questions:

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.