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Nationwide vs. Embrace Pet Insurance

Nationwide and Embrace are two of the best pet insurance companies in America. This chart provides an overview of Nationwide's Whole Pet With WellnessSM plan, to learn more about their other plans click here.


Nationwide Pet Insurance

Embrace Pet Insurance

Average Price
$26 - 48/mo.
$40 - 68/mo.
A.M. Best Rating A+ A+
BBB Rating A+ A+
Customer Satisfaction 79% 92%
Total Reviews 5,510 reviews 8,525 reviews
Deductible $100 - 250 $100 - 1,000
Reimbursement 90% 65 - 90%
Annual Limit Unlimited $5k - 15k
Company Profile Nationwide Overview Embrace Overview
Waiting Period for Accidents 14 days 2 days*
Waiting Period for Illnesses 14 days 14 days
Waiting Period for Orthopedic Coverage 14 days
6 mos.
Emergency Care
Cancer Coverage
Orthopedic Issues
Hereditary Conditions
Chronic Conditions
Prescription Meds For additional cost
Dental - Accidents
Cancer Coverage
Wellness Coverage
Vet Restrictions None None


  • Pet insurance does not cover pre-existing conditions
  • Nationwide details based on Whole Pet with Wellness Plan
  • *Most states have a 2-day waiting period, some are 14 days


Nationwide Enrollment Requirements

Physical exam must have been completed within 12 months prior to enrollment. We recommend the Whole Pet Plan because it offers 90% reimbursement of your actual vet bills with no limits. Pet must be at least six weeks old to enroll.

Embrace Enrollment Requirements

Must be at least Must be enrolled prior to 14 to be eligible for full accident & illness coverage, pets enrolled after 14th birthday are eligible for accident-only coverage. Minimum age for enrollment is six weeks. Canine Orthopedic Examination Report Card can reduce Orthopedic Waiting Period to 14 days Your Pet must have been examined by a Veterinarian in the twelve (12) months prior to the Original Start Date for your Pet(s) as shown on the Schedule Page(s) or within fourteen (14) days after the Original Start Date. The examining Veterinarian cannot be you or be related to you.


Nationwide and Embrace are two of the most respected and tenured pet insurance providers in the U.S. Both companies offer a broad range of coverage including major medical and wellness care. Nationwide's Whole Pet with Wellness plan is the most comprehensive in the market and Embrace has the most flexibility in designing your own plan. Both companies are an excellent choice and we encourage you to get quotes from both and compare them apples to apples.

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