Embrace vs Nationwide

Most popular pet insurance providers

View Rates Editor's review

Coverage Options

Comprehensive accident & illness plans, wellness add-on available.

Accident, illness, wellness plans

Annual Coverage Limit

Up to $30,000

Up to $10,000

Reimbursement Rates

70%, 80%, or 90%

Rates: 50% to 70%

Deductibles

$200 to $1,000 (flexible options)

Starting at $250

Waiting Period

2 days for accidents, 14 days for illnesses

14 days

Preventive Care

Available as an optional wellness plan

Available with wellness plans

Dental Coverage

Covers dental accidents & illnesses.

Included in illness plans

Exclusions

Pre-existing conditions, elective procedures, and more.

Pre-existing conditions, grooming

Multi-Pet Discount

10% discount for additional pets.

5% for 2-3 pets; 10% for 4+

Claims Process

Submit online or through the app; typically reimbursed within 10-15 days.

Online submission, quick reimbursement

Mobile App

Yes, with claims submission and policy management.

Yes

Customer Support

Available via phone, email, and live chat.

Available for assistance

Pricing

Starts at ~$25/month (varies by pet and coverage).

Starting at $16/month

Unique Perks

Diminishing deductible ($50/year without claims).

Covers exotic pets

Best For

Pet owners seeking flexible coverage and wellness options.

Multi-pet households

Choosing the right pet insurance provider is crucial for safeguarding your pet’s health. Embrace and Nationwide are both trusted providers, but Embrace offers several advantages, particularly in terms of coverage options, claims processing, and customer satisfaction.

Flexible and Comprehensive Coverage (90% of Pet Owners Prefer This)

Embrace provides a wide array of coverage options, including accidents, illnesses, wellness care, and dental treatments. Nationwide, while offering a good range of coverage for accidents and illnesses, has fewer options for preventive care and dental treatment. According to a survey, 90% of pet owners prefer Embrace’s all-inclusive plan because it covers all the major medical needs of their pets. Embrace’s Wellness Rewards program also reimburses for routine care such as vaccinations and annual exams—something Nationwide does not offer.

Pre-existing Conditions Coverage (77% of Pets Have Curable Pre-existing Conditions)

Embrace stands out for its coverage of curable pre-existing conditions. Around 77% of pets may have had minor health issues before enrolling in insurance, and Embrace allows coverage for these issues once they are cured. Nationwide, however, has a stricter policy and does not provide coverage for any pre-existing conditions, which may leave pet owners with out-of-pocket expenses for conditions that could have been treated.

Claims Processing Speed (85% of Claims Processed in Under 10 Days)

Embrace is known for its fast claims processing, with 85% of claims being processed in under 10 business days. Pet owners frequently highlight this quick turnaround time in reviews. Nationwide, in comparison, can take up to 14 business days to process claims, leading to delays and potential frustration when you need reimbursement fast.

Customer Satisfaction (4.6/5 Rating from 2,500+ Reviews)

Embrace consistently receives high customer satisfaction ratings. With an average rating of 4.6/5 from over 2,500 reviews, Embrace’s customers appreciate the comprehensive coverage, user-friendly platform, and excellent support. Nationwide’s rating is slightly lower at 3.4/5, with many customers noting issues with the claims process and less transparent coverage options.

Cost-Effectiveness (Customizable Plans for All Budgets)

Embrace offers highly flexible pricing options that allow pet owners to adjust their plans according to their budget. Whether you are looking for basic coverage or comprehensive protection, Embrace provides a variety of price points. Nationwide’s pricing is less flexible, making it harder for some pet owners to find a plan that fits their financial situation.