Nationwide Pet Insurance vs. Embrace

Nationwide Pet Insurance has been around since the early 1980’s when it issued its first policy to Lassie, the famous TV dog. In fact, that policy issued for Lassie was the first-ever pet insurance plan sold in the United States. Embrace hasn’t been in the market quite as long as Nationwide, but they’ve been at the forefront of innovation and customer service since day one.


Price:	Get a Quote	Get a Quote
Overall Rating:
Total Reviews:	71,764	60,228
Deductible:	$100, $250, or $500	$100 - $1,000
Reimbursement:	50%, 70%, or 80%	70%, 80%, or 90%
Annual Limit:	$10,000 - Unlimited	$5,000 - Unlimited
Company Profile:	Company Overview	Company Overview
Waiting Period for Accidents:	14 Days	0 days
Waiting Period for Illnesses:	14 Days	14 days
Waiting Period for Orthopedic Coverage:	14 Days*	Orthopedic conditions have additional waiting or exclusion periods that vary by state.
Emergency Care:	Included	Included
Accidents:	Included	Included
Illnesses:	Included	Included
Cancer Coverage:	Included	Included
Orthopedic Issues:	Included	Included
Hereditary Conditions:	Included	Included
Chronic Conditions:	Included	Included
Prescription Meds:	Included	Included
Wellness Coverage:	Optional	Optional
Vet Restrictions:	None	None

Compare Quotes Now

Nationwide vs. Embrace Pet Insurance

Both Embrace and Nationwide pet insurance are both leaders in pet insurance innovation and offerings of comprehensive coverage for your pets. They also both offer additional features that make them stand out from other pet insurance brands.

Nationwide Pet Insurance

You might remember the early 80s commercials for Nationwide pet insurance featuring the famous television dog Lassie. Believe it or not Nationwide pet insurance was actually the first insurance plan to be sold in the United States. Today, it is one of the top-rated plans, regarded highly for its comprehensive coverage and excellent customer service.

View the Nationwide Pet general overview
Deductible: $100 – $250
Reimbursement: 90%
Emergency Care: Included
Waiting period for accidents: 14 days
Waiting period for illnesses: 14 days

Embrace Pet Insurance

Embrace is one of the most customizable insurance plans offered on the market today. Choose your level of coverage, your deductible, your reimbursement, and other options so that you can get the exact plan you need for your pet that also suits your budget.

View the Embrace general overview
Deductible: $200 – $1,000
Reimbursement: 70% – 90%
Emergency Care: Included
Waiting period for accidents: None
Waiting period for illnesses: 14 days

Coverage Comparison

Both Embrace pet insurance and Nationwide offer comprehensive accident and illness coverage with their plans. They also both offer a wellness plan as an option. Nationwide makes it easy to pick a package plan, but the customized coverage option make Embrace an attractive choice.

Price Comparison

Nationwide and Embrace pet insurance are both excellent choices, although Nationwide has broader coverage overall. They are both within the same price range depending upon the coverage you choose, so review both for the additional features to make an informed choice.

Nationwide offers packaged pet insurance plans that have a predefined deductibles, reimbursement rates and payout limits. Embrace on the other hand offers 100% customization of coverage. So if you’re looking for a classic, stalwart company with simple plan design Nationwide may be your best choice. And if you’re looking for modern, truly customized coverage then Embrace might be a better fit for you.

Compare Nationwide

Compare Embrace

Related Content

Nationwide Pet Insurance Enrollment Requirements

*Diagnosis or treatment of cruciate ligament or meniscus damage or rupture that occurs during the first 12 (twelve) calendar months that your pet is insured by us. You must maintain continuous coverage for your pet with us in order to avoid another twelve (12) month waiting period.

Six weeks minimum age and 10 years maximum for enrollment (includes lifetime coverage). A physical exam must have been completed within 12 months prior to enrollment.

Embrace Pet Insurance Enrollment Requirements

There is a $25 enrollment fee.
The maximum enrollment age for full accident and illness coverage is 14 years old.
Pets older than 15 are eligible for an accident-only policy.
The minimum age for enrollment is six weeks.
Pets must be examined by a licensed veterinarian 12 months before the policy start date. If there is no noted exam before the policy start date, an exam is required within the first 14 days of the policy.
Pet parents can cancel policies immediately over the phone with no penalty.
Claims must be submitted within the policy year plus 60 days.

Other Provisions

There is a defined appeal process for claims.
Reimbursement method: direct deposit or check.
Prescription medications are included with all accident and illness policies.
There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional waiting or exclusion periods that vary by state

*Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. Wellness Rewards is not available in Rhode Island.