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 depends on what matters most to you. We broke down our rating categories below to help with your decision.

• 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 provides 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 spot 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 pulls ahead in 18 states, including California, Hawaii, New York, Oregon and Wisconsin.

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

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

• Kittens: Arkansas pet owners pay $14 monthly with Embrace, about 37% less than Nationwide. That gap holds across all 50 states
• Puppies: At $22 monthly in Arkansas, Embrace is the clear winner, saving residents 46% over Nationwide's $41 rate. Every state shows the same pattern.
• Young Cats: Arkansas gets the best deal at $19 monthly through Embrace, 26% less than Nationwide. No state favors Nationwide for this age group.
• Young Dogs: Arkansas has the lowest rate at $30 monthly with Embrace, a 37% cut from Nationwide's price. Embrace wins in every state.
• Middle-Aged Cats: Arkansas rates drop to $31 monthly with Embrace, 15% below Nationwide. All 50 states show the same advantage.
• Middle-Aged Dogs: Arkansas pet owners pay $51 monthly with Embrace, saving 24% over Nationwide. The pattern holds in every state.
• Senior Cats: Nationwide offers the lower rate here. Its $39 monthly premium in Arkansas is about 40% less than Embrace, and that advantage holds across all 50 states.
• Senior Dogs: Nationwide wins again, with Arkansas posting the lowest rate at $67 monthly, 48% less than Embrace in every state.

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 outranks Embrace on customer experience, placing fourth nationally for both pets in our analysis. Both providers hold A+ ratings from the Better Business Bureau, but Nationwide pulls ahead with a higher Trustpilot score (4.4 versus 4) 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, Nationwide has the edge for 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. Nationwide works best for cat insurance, strong customer service and broad coverage. Embrace is the better pick for dog insurance with affordable rates.

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

Compare Embrace and Nationwide pet insurance through these common questions: