As an Amazon Associate I earn from qualifying purchases from

Embrace Pet Insurance coverage vs Nationwide Pet Insurance coverage: Execs, Cons & Verdict

Embrace and Nationwide pet insurance coverage firms are nice choices if you’re searching for protection on your pet. Each firms supply protection for accidents, diseases, and emergencies. Whereas they’re related in some ways, they differ in protection plans, deductibles, and reimbursement percentages. When you pay your pet’s medical payments, you file a declare along with your firm. When that declare is authorized, you can be reimbursed the proportion of the invoice that your coverage signifies.

On this article, we look at Embrace and Nationwide and the variations between every so you possibly can select the correct choice on your pet. In case you are uncertain if pet insurance coverage is best for you, learn on for extra details about the way it works.


A Fast Comparability (2022 Replace)

Firm Identify Embrace Pet Insurance coverage Nationwide Pet Insurance coverage
Pets Lined Canine and cats Canine, cats, birds, and unique pets
Sorts of Plans Accident, sickness/damage, wellness Wellness, sickness, accident, emergency
Deductibles $200–$1,000 $250 per yr
Reimbursement 70%–90% 50%–90%
Further Perks ·         Covers medical waste charges

·         Covers a broad vary of situations

·         Deductible decreases annually if a declare isn’t filed

·         10% low cost for insuring a number of pets

·         Entire Pet choice contains the Wellness plan

·         5% low cost in case you bundle renter’s or home-owner’s insurance coverage with pet insurance coverage via Nationwide

·         Entry to Pet Rx Specific to obtain most well-liked pricing on pet prescriptions at Walmart or Sam’s Membership pharmacies

divider-dog paw

Temporary Overview of Embrace Pet Insurance coverage

Embrace Pet Insurance

Embrace Pet Insurance coverage is out there in each state of the U.S. The corporate was based in 2003 and makes use of American Trendy Insurance coverage Group, Inc. to underwrite its insurance policies. It provides protection for canine and cats and can reimburse 70% to 90% of your vet bills for a variety of situations, remedies, and procedures. Plans are customizable, so you possibly can select the one which’s proper on your pet.

Embrace donates $2 per coverage to charity. Wholesome animals will obtain the corporate’s distinctive perk: For yearly that you just don’t must file a declare, your deductible goes down by $50.

The corporate is primarily used for accidents and diseases. You’ll be able to select an accident-only coverage to offer you peace of thoughts in case of an emergency. This may save prices however there are further charges. It prices $25 to enroll, and in case you select to pay month-to-month as a substitute of yearly, there’s a month-to-month payment. You’ll be able to select to enroll on-line or by cellphone.

Embrace has received the Worldwide Service Excellence Award and the NorthCoast 99 Award since 2003. Earlier than it even offered its first coverage, it received the Wharton Enterprise Plan Competitors.

divider-dog paw

Temporary Overview of Nationwide Pet Insurance coverage

Nationwide Pet Insurance

Nationwide began as an auto insurer over 90 years in the past. It’s one of many oldest insurance coverage firms in the US. In 2009, Nationwide acquired the primary pet insurance coverage firm within the U.S., Veterinary Pet Insurance coverage. This firm had insured the canine that performed Lassie on tv. Veterinary Pet Insurance coverage is now Nationwide Pet Insurance coverage, with insurance policies underwritten by Veterinary Pet Insurance coverage, Co.

What makes Nationwide Pet Insurance coverage distinctive is the vary of pets that it covers. Whereas canine and cats are included, the corporate expands protection to birds and even pets like goats, hamsters, turtles, snakes, and chinchillas. Nationwide is the one pet insurance coverage in America to insure unique pets and birds.

Current Nationwide prospects can save 5% in the event that they bundle pet insurance coverage with their present insurance coverage. You can even save 5% by insuring a number of pets, and Nationwide workers obtain a reduction on pet insurance policies.

Nationwide has two plans for accidents and accidents. One reimburses a proportion of your invoice, like many different pet insurance coverage firms. The opposite reimburses a set quantity per situation irrespective of the price of your invoice. The rationale for that is to allow prospects in areas of low-cost veterinary care to obtain bigger reimbursements.

The corporate does supply a Wellness plan, however it’s not obtainable in each state.

divider-dog paw

Embrace Pet Insurance coverage vs. Nationwide Pet Insurance coverage: Plans Accessible

The plans obtainable from Embrace and Nationwide every cowl numerous diseases, situations, remedies, and accidents. Neither firm covers any pre-existing situations. Any sickness or situation that your pet has on the time of the coverage buy is not going to be coated.

woman filling up pet insurance form
Picture Credit score:, Shutterstock

Embrace Pet Insurance coverage

  • Accident-Solely: This plan covers digital vet visits, examination charges, diagnostic testing, surgical procedure, rehabilitation, prescription drugs, poisoning, and bloat.
  • Sickness/Harm: This plan covers digital vet visits, examination charges, genetic and orthopedic situations, diagnostic testing, surgical procedure, rehabilitation, prescription medicine and diets, poisoning, bloat, behavioral points, and non-routine dental points. It’s a extra complete plan. Each the accident and damage/sickness plans can have a wellness plan added on to them referred to as Wellness Rewards.
  • Wellness Rewards: This plan is extra like a budgeting device that can assist you save for routine care. Annual protection limits of $250, $450, and $650 can be found. This covers issues like examination charges, vaccinations, parasite prevention, spay or neuter surgical procedure, and microchipping.

Nationwide Pet Insurance coverage

  • Entire Pet: It is a complete plan that covers a broad vary of limitless diseases and accidents. Exams and assessments for accidents and diseases are coated. It doesn’t supply protection for annual exams, heartworm prevention, or routine care.
  • Main Medical: That is the plan that gives a profit schedule for reimbursements as a substitute of reimbursing a proportion of what you paid. It covers accidents and diseases solely.
  • Wellness: The Wellness plan will be added to the Entire Pet and Main Medical plans if desired. There are two choices: Wellness Primary, with an annual restrict of $400, and Wellness Plus, with an annual restrict of $500. This plan covers vaccines, heartworm assessments, and different primary veterinary companies, excluding spay or neuter surgical procedures.

divider-dog paw

Embrace Pet Insurance coverage vs. Nationwide Pet Insurance coverage: Reimbursements and Deductibles

When you select your plan, you possibly can select how a lot you spend. Totally different reimbursements and deductibles can be found, so you possibly can select the plan that works greatest on your pet’s wants. These variations have an effect on the month-to-month premium value.

couple with a dog getting a pet insurance
Picture Credit score: Drazen Zigic, Shutterstock

Embrace Pet Insurance coverage

Embrace provides annual deductible choices of $200, $300, $500, $750, and $1,000, so you possibly can customise your plan to suit your price range. Annually that you don’t file a declare, your deductible goes down by $50 till it reaches $0. When you do file a declare, you pay the lowered deductible, and it resets the next yr.

Reimbursement annual restrict choices are $5,000, $8,000, $10,000, $15,000, or $30,000. You’ll be able to select reimbursement percentages of 70%, 80%, or 90%. With so many choices obtainable, you must simply be capable of select the plan that matches your wants.

Nationwide Pet Insurance coverage

Nationwide provides just one deductible choice of $250 per yr. You’ll be able to choose a reimbursement choice of fifty%, 70%, or 90%. The utmost reimbursement quantity per yr for the Entire Pet plan is $10,000. Wellness plans have limits of $400 or $500, relying on the plan that you choose. Main Medical makes use of a per-condition foundation to find out its most reimbursement quantity.

divider-dog paw

Embrace Pet Insurance coverage vs. Nationwide Pet Insurance coverage: Further Perks

Along with reimbursements, every pet care firm provides sure perks to its prospects. These assist offset a few of the value and reward prospects in numerous methods.

Pet Insurance Care Guarantee Concept
Picture Credit score:, Shutterstock

Embrace Pet Insurance coverage

Annually {that a} declare shouldn’t be filed with Embrace, the deductible is lowered by $50 till it reaches $0. The corporate provides a ten% multi-pet low cost. For those who pay your premium in full yearly as a substitute of month-to-month, you’ll keep away from a month-to-month payment. Workers of firms that provide Embrace pet insurance coverage as a profit will obtain 10% off. Army reductions of 5% are additionally obtainable.

Nationwide Pet Insurance coverage

Nationwide provides a 5% multi-pet low cost. In case you are an present Nationwide buyer, you additionally obtain a 5% low cost on pet insurance coverage. Reductions are additionally obtainable for Nationwide workers.

divider-dog paw

Embrace Pet Insurance coverage vs. Nationwide Pet Insurance coverage: Abstract of Execs and Cons

Each Embrace and Nationwide are nice choices for pet homeowners, however every firm has its constructive and unfavourable qualities. Their respective value, protection, and perks are all completely different.

Embrace Pet Insurance coverage

  • Deductible reduces annually {that a} declare isn’t filed
  • 5 deductible and three reimbursement choices
  • Customizable plans
  • Broad protection
  • Gives accident-only plans
  • Glorious customer support
  • Further charges
  • Wellness plan is dear
  • Plans don’t cowl aged animals
  • Age restrictions for pets over 14

Nationwide Pet Insurance coverage

  • Gives chook and unique pet protection
  • Elective Wellness plan will be added
  • Gives protection for prescription-necessary meals
  • 24/7 vet helpline
  • Most well-liked pricing on prescriptions with Pet Rx Specific
  • Three reimbursement choices
  • Age restrictions for pets over 10
  • Plans are much less customizable
  • Just one deductible

divider-dog paw

Firm Verdict: Which One Has the Edge?

Buyer Service

Nationwide has extra complaints about their customer support than Embrace. Embrace has supportive, high quality customer support and you’ll attain a consultant Monday via Friday from 9 a.m. to eight p.m. ET.

Nationwide representatives can be found Monday via Friday from 5 a.m. to 7 p.m. PT and Saturdays from 7 a.m. to three p.m. PT.

costumer service worker
Picture Credit score: Bojan Milinkov, Shutterstock

Worth of Plans

Embrace has extra plan, deductible, and reimbursement choices, so you possibly can simply customise your plan to suit your price range.

Nationwide has one deductible choice and fewer customizable plans.

Areas of Protection

Nationwide doesn’t cowl end-of-life bills as many different firms do. Whereas Embrace and Nationwide cowl lots of the similar situations and diseases, Embrace covers extra, with a shorter ready interval for protection to start.

vet checking up dog with a catheter
Picture Credit score: RossHelen, Shutterstock


Each firms supply a muti-pet low cost. Nevertheless, Embrace provides a bigger one at 10% in comparison with Nationwide’s 5%. Embrace additionally provides a army low cost.



Whereas Embrace seems to be our clear winner, Nationwide shouldn’t be with out its advantages. Embrace is extra customizable and covers a variety of situations, remedies, and emergencies. Nevertheless, the plans are costlier than these of another firms. Embrace is greatest for pets with power situations so you may get probably the most out of your insurance coverage.

Nationwide provides just one choice for a deductible, however the plans are cheaper. This firm is greatest for these with unique pets or those that want to be coated in case of an emergency with their canine or cat.

We hope that this text was informative and helped you determine which pet insurance coverage firm could be greatest for you and your pet.


We will be happy to hear your thoughts

Leave a reply

Enable registration in settings - general
Compare items
  • Total (0)
Shopping cart