Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Apr 16, 2021

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If you are looking for a new pet insurance company, there are many companies to consider.

Nationwide Pet Insurance vs Embrace are among the best pet insurance companies.

Both providers offer more wellness plans than most making them a bit pricier.

While both are solid companies, there are some differences in their coverage and benefit options when compared.

Today, we’re going to compare both Nationwide vs Embrace to each other to help you make a more informed decision.

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FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!

Nationwide vs Embrace Pet Insurance Head-to-Head

Nationwide Pet Insurance Quick Overview

nationwide logo

Nationwide is a Fortune 100 company that is financially stable and has only recently started to offer pet insurance.

Nationwide has a unique way of covering pets in that it includes virtually every pet, not just cats and dogs. 

The best coverage, however, is offered only in their top, all-inclusive plan which happens to be very expensive.

Nationwide is one of the few pet insurance companies that cover all birds and exotics pets.

Learn More: Read our full Nationwide Pet Insurance Review.

Embrace Pet Insurance Quick Overview

Embrace logo

Embrace has a very strong customer satisfaction rating and reviews. Their plans are a little more expensive but they do offer a lot of coverage options including such things as prosthetics or even behavioral therapy for your dogs.  Alternative therapy is a covered standard in every policy.

Embrace has limits of $30,000 maximum in all states online except NY, where it’s $15,000, however, they do offer unlimited coverage in most states via phone enrollment.

Learn More: Read our full Embrace Pet Insurance Review.

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Nationwide coverage includes all of the following:

Medical Conditions:

Accidents, All Types of Illness, Hereditary and Congenital Conditions, Cancer & Accidental Related Dental

Medical Treatments:

Diagnostics, Surgeries, Prescription Medications, Emergencies, hospitalization.

Related: 10 Things You Must Know Before You Buy Pet Insurance

Embrace coverage includes all of the following:

Medical Conditions:

Accidents, All Types of Illness, Hereditary and Congenital Conditions, Cancer & Accidental Related Dental

Medical Treatments:

Diagnostics, Surgeries, Prescription Medications, Specialty Care, Alternative Care, Behavioral Therapy, Mobility Aids





Nationwide Coverage Details

Nationwide plans are a little different than most other pet insurance companies.

With Nationwide, you can purchase their Whole Pet plan which includes the wellness option.  While this is a nice benefit, it makes their different plans on the pricey side.

Nationwide’s Whole Pet with Wellness plan is extremely comprehensive.

Besides just the normal coverage for the typical accidents and illnesses, the wellness plans include annual vet visits, all vaccinations, and even flea prevention. 

This a nice addition but it makes it much more costly. This plan even includes the coverage of hip dysplasia.

Nationwide’s Major Medical is priced competitively and similar to some of the other companies.

The dogs and cats are covered for the more common medical condition and include cancer and hereditary conditions.

Conditions that are chronic are covered at no extra cost; however, pet owners are not reimbursed for wellness visits each year.  

The Major Medical plan can be purchased as your one plan and then add a wellness policy.

Under this plan, there is a specific payout listed for each accident or illness.  This can become an issue if your dog or cat gets really hurt or sick.

The Wellness Plan includes the usual wellness exams and test from microchipping to vaccination.

If you purchase just the wellness plans, the pricing is reasonable.

Hereditary and congenital conditions are covered only on their more expensive Whole Pet plan.

Real Cost Savings from PetFirst Clients


PetFirst saved his parents


A happy energetic Luna one morning couldn’t hold her food down. After months of multiple costly vet visits to specialists and an endoscopy, the problem was discovered and fixed. Luna put 22 pounds back on in no time and her parents were grateful for having PetFirst by their side to pay the bills.

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Embrace Coverage Details

Embrace standard plan will include the usual coverage that includes all illnesses and all accidents.

It also covers treatments that most insurers with alternative treatments and even different kinds of prosthetics.

Embrace even covers your veterinarian pet exam fee which is unique.

Because each plan offers the same coverage options, Embrace makes it easier to budget and personalize your plans.

You can help to choose and control the deductible, reimbursement and benefit limit.

Embrace offers a Wellness Rewards that gives you a choice of 3 different coverage amounts to pay for vet visits, spaying and neutering, and other preventative care options. 

The allowance offered is from $250 to a $650 allowance.

Embrace offers alternative therapy coverage which includes acupuncture, chiropractic care, physical therapy, hydrotherapy, and laser therapy.

Nationwide has only a limited coverage amount for conditions that are genetic of hereditary in their Major Medical plan.

Embrace, on the other hand, covers congenital and hereditary conditions in all policies as long as they aren’t what is considered as pre-existing.

Benefit Limits For Nationwide vs Embrace

Nationwide’s unlimited benefit option is only included in what they call their Whole Pet Plan.

Its less expensive plans have set limits for specific conditions which is determined by a specific benefit schedule.

It can be very easy to exceed this limit if your cat or dog has any type of injury or illness that exceeds these limits.

Embrace does offer some limits that a policyholder can customize.  But the highest limit is really not enough if a dog or cat gets seriously hurt. 

They don’t have an unlimited benefits option like some other providers.

The limit is $30,000 maximum in all states except NY where it is $15,000, unless you use their phone enrollment where coverage is offered unlimited in most states.




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Deductibles For Embrace vs Nationwide

Nationwide offers one deductible option- $250.  While this makes the choice easier, it can make it pricier.

Embrace offers a much broader range of deductible options.

Nationwide’s per-incident deductibles mean that you need to file a new claim for every new condition.

Their annual deductible needs to occur just once a year.  Their plans offer either the one-time annual deductible or not deductible at all.

Embrace offers many deductible choices of:

$200, $300, $500, $750, and up to $1,000 making them easier to customize.

Embrace policyholders can save $50 each year on their deductible when no reimbursement is received. They call it their Healthy Deductible option.

Wellness Rewards claims for routine care are reimbursed separately.

As with most policies, if you choose a higher deductible choice you will end up with a lower premium.

Real Cost Savings from PetFirst Clients


PetFirst saved his parents


Artemis was a beautiful and friendly cat to all who were willing to pet him. Unfortunately, he developed feline diabetes which required regular vet visits and medications that his Mother could not otherwise afford on her fixed income. Having PetFirst insurance, she called and discussed the problem with a friendly PetFirst agent. To her surprise, she found out that Artemis’ ongoing required vet visits and medication would be covered by his PetFirst insurance. Artemis was able to live out the rest of his life with proper medical care and medicines thanks to PetFirst insurance.

Reimbursement Considerations Nationwide vs Embrace

With Nationwide’s top plan, the reimbursement offered is 90% of the vet bill which means the premium price will go up.

Their least expensive plans only reimburse on their listed benefit schedule.  This will only pay a specific limit on certain illnesses or conditions.

This might become an issue your dog or cat has a condition that exceeds their lower benefit limits.

Embrace’s reimbursement options are the most varied of all companies.  You can opt for 70% or up to 90% of the vet bill.

Embrace has 3 different wellness options:

  • $250
  • $450
  • $650

Pricing Nationwide Vs. Embrace

Nationwide’s more expensive Whole Pet with Wellness plan is extremely comprehensive but very pricey because of the additional wellness plans included.

Nationwide’s Whole Pet Plan Coverage starts at $59 for dogs and $31 for cats.

Nationwide’s Major Medical Plan Coverage starts at $33 for dogs and $17 for cats.

5 % discount is offered if you have renters or homeowners insurance with Nationwide or have multiple pets enrolled.

Embrace’s monthly premium rates are in line with other pet insurance providers when insuring a younger pet but can get pricier thereafter.  It does help that there are many choices among deductibles to help budget your pricing.

The starting monthly premiums for dogs are around $14 and cats can be enrolled for $10.

A 10% discount is available for enrolling multiple pets (except in NY where it is 5%), you can save $12 by paying your annual fee all at once, and you are eligible for a discount if you are a member of the military.

If you pay with your credit card, you also get a 5% discount (only available in NY).

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Sample Quotes For Nationwide Pet Insurance vs Embrace

All of these quotes when possible used the following factors in calculating the estimated pet insurance premium cost for your dog in 2021. 

When possible the data we entered for these prices was as follows; a female, puppy under the age of 12 months, with unlimited coverage (or max offered when unlimited not an option), a $500 deductible, and 70% reimbursement. We did not include the wellness checkup add-on when available. 

Keep in mind that insurance rates are ever-changing and what seems like minor changes such as, your zip code or breed can actually make a major impact on the cost of pet insurance. 

These Pet Insurance Company Price charts are a good tool, not a guarantee of rates, do your own research before you buy. 

*PetFirst first monthly payment has an additional $10-$15 startup fee, the number in this chart is the monthly cost after paying the first-month extra charge.

**Trupanion only offers 90% reimbursement, all other companies’ sample quotes are based on a 70% reimbursement policy which is why Trupanion may appear to cost more. 

Nationwide Pet Insurance vs Embrace – Small Mixed Breed Costs Compared

CompanyMonthly Premium
Embrace Pet Insurance$29.58
Nationwide Pet Insurance$52.73
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Medium Crossbred Dogs Price Differences For Embrace Pet Insurance vs Nationwide

CompanyMonthly Premium
Embrace Pet Insurance$34.31
Nationwide Pet Insurance$52.73
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Comparison Of Cost For Large Mixed Breed Dogs – Nationwide vs Embrace

CompanyMonthly Premium
Embrace Pet Insurance$40.23
Nationwide Pet Insurance$66.71
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Labrador Retriever Costs Embrace Insurance vs Nationwide Insurance

CompanyMonthly Premium
Embrace Pet Insurance$51.47
Nationwide Pet Insurance$77.47
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German Shepherd Costs Embrace vs Nationwide

CompanyMonthly Premium
Embrace Pet Insurance$51.47
Nationwide Pet Insurance$77.47
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Poodle Costs Nationwide Insurance vs Embrace Pet Insurance

CompanyMonthly Premium
Embrace Pet Insurance$59.75
Nationwide Pet Insurance$77.47
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Beagle Costs Nationwide Pet Insurance vs Embrace

CompanyMonthly Premium
Embrace Pet Insurance$48.51
Nationwide Pet Insurance$77.47
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Dachshund Costs Nationwide vs Embrace Insurance

CompanyMonthly Premium
Embrace Pet Insurance$41.71
Nationwide Pet Insurance$77.47
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As discussed in the coverage section Nationwide Pet Insurance vs Embrace isn’t exactly apples to apples. 

Nationwide offers far greater coverage for the price than Embrace. 

However, there is no denying that Embrace Pet Insurance prices compared to Nationwide are much lower. 

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Embrace vs Nationwide Pet Insurance Enrollment and Waiting Periods

Nationwide’s pets can enroll when they are just turning 6 weeks.  

The upper limit is 10 years but most pets, if the policy doesn’t lap, will have coverage for the rest of their lives.

Their waiting periods of 14 days are typical of the industry. 

Wellness plans, like others, can start as soon as 24 hours and the typical illnesses and accidents are covered after 14 days.

Nationwide Policyholders also can get help with any of their pet questions of needs with a 24/7 call-in center.

Embraces waiting periods are the following:

  • 2 days for accidents and 14 days for illnesses
  • 6 months for orthopedic condition – which can be reduced to 2 weeks.

Pets can be enrolled starting at 6 weeks with the maximum age limit is 14.

Nationwide vs Embrace Pet Insurance Claims and Service Comparisons

Nationwide claims take about 30 days to be processed but it can be faster if you have your information ready to go.

Claims can be seen in real-time when you submit them through your phone.

Embrace’s customers are very happy with their performance with mostly stellar reviews.

Claim forms can be upload to MyEmbrace, their online portal where you can also see when the claim is being paid. They also have a mobile app available on IOS and Android.

Wellness claims are reimbursed fairly quickly and within 5 days.  Accidents and illnesses are 10 to 15 days.

Embrace also offers unlimited access to this complimentary service called PawSupport which is their helpline that is offered 24/7.

Nationwide and Embrace are both excellent pet insurance providers yet each is unique in what they have to offer.  If you are looking to get some other quotes, make sure to take a look at our best pet insurance companies to help your search.

Other articles you may find helpful: 

Is Exotic Pet Insurance Necessary? 

The Best Pet Insurance By State 

What Is Pet Insurance?

Fun Facts, Dog FAQ, And Unsolicited Dog Advice

5 Training Commands to Save Your Dog’s Life

The Ultimate Guide to Safe Foods for Dogs

Dog Health Problems

Dog Breeds


Cat Health Problems

Cat Breeds

You may find helpful one of our other Best Pet Insurance Reviews which include over 35 top insurers compared with cheap and affordable pet insurance and discounted mixed breed pet insurance


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