Which Pet Insurance Company Is Better?

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two dogs running in a field

Nationwide is well-known as an insurance coverage large providing house, life, auto, and extra. If you happen to’re an present Nationwide policyholder, you could be interested by its pet insurance coverage protection and the way it compares to corporations like Embrace. Embrace doesn’t provide insurance coverage for different areas of your life, nevertheless it’s develop into eminent within the pet insurance coverage trade.

We evaluate Embrace and Nationwide’s protection, customer support and status, declare processing common, value, and plan customizations that will help you clearly see their similarities and variations. We additionally select a winner and clarify why one firm comes out on high over the opposite relating to pet insurance coverage.

Go to Embrace’s Web site | Go to Nationwide’s Web site

Coverage Protection

Dog under covers (Caption: Policy Coverage Winner)

The desk under reveals what Embrace and Nationwide cowl. Each corporations cowl emergency care, surgical procedure and hospitalization, specialised exams and specialty care, X-rays, blood checks, ultrasounds, cat scans, MRIs, rehabilitation, most cancers, continual situations, euthanasia, hereditary situations, congenital situations, non-routine dental therapy, and prescription drugs. Neither covers pre-existing situations, cremation and burial prices, being pregnant and breeding, or pointless beauty procedures.

*Ready intervals for Maine are as follows:

  • Accidents – 0 days
  • Diseases – 14 days
  • Cruciate Ligament Circumstances – 30 days
  • Routine Care – 0 days

†Ready intervals for orthopedic situations could be decreased to 14 days with an orthopedic report card. An orthopedic report card is a veterinary examination and waiver course of designed to evaluate any bone or muscle deformities in your canine. To scale back the six-month ready interval for orthopedic situations, take your canine to the vet and have an orthopedic examination performed after your coverage is bought. Your vet will document any well being findings to your canine’s hips, legs, shoulders, forelimbs, backbone, joints, and bones. You’ll be able to study extra about Embrace’s orthopedic examination and waiver course of for canines.

Embrace and Nationwide each provide a number of the finest protection within the pet insurance coverage trade. As you may see, each corporations cowl all gadgets within the desk above and have affordable ready intervals. Moreover, all underwriters have A+ scores by A.M. Finest (a measurement of economic stability), which suggests they’re thought-about much less dangerous than pet insurance coverage corporations with lower-rated or unrated underwriters.

Each corporations have most age restrictions for newly enrolled pets. Embrace doesn’t cowl sicknesses for pets enrolled after their 14th birthday. In the meantime, Nationwide received’t enroll new pets which are older than ten years previous. As a result of each corporations have comparable protection, however Nationwide has a youthful most age restriction, Embrace wins this class.

Embrace logo

Coverage Protection Winner: Embrace

Buyer Service & Status

Person holding phone next to dog (Caption: Customer Service Winner)

Most of Embrace’s complaints from prospects contain claims going unpaid. Nonetheless, many pet mother and father fail to learn their coverage in full, in order that they’re unaware of ready intervals or different exclusions. For this reason you need to all the time learn your pet insurance coverage coverage solely, so that you perceive what’s and isn’t lined, ideally, before you purchase it.

As for Nationwide, there are numerous complaints relating to reimbursement considerations, surprising renewal adjustments, drastic premium will increase, and extra.

Embrace has been a reliable, secure pet insurance coverage supplier. Most of its complaints are extra generalized relating to a misunderstanding of how pet insurance coverage works and never Embrace particularly. Due to this, Embrace wins this class.

Embrace logo

Buyer Service & Status Winner: Embrace

Declare Processing

Doctor's office papers (Caption: Claim Repayment Winner)

Embrace averages 5 days for declare processing, whereas Nationwide averages 4 days for accidents and sicknesses. 4 to 5 days is shorter than many pet insurance coverage rivals.

Nonetheless, Embrace has fewer buyer complaints relating to the claims course of. Embrace customers appear happy with the speediness and quantity of the reimbursed declare when it’s warranted. Embrace’s consistency helps it win this class.

Embrace logo

Declare Processing Winner: Embrace

Worth Of Coverage

Dog lying next to money (Caption: Pricing Winner)

Embrace has a one-time enrollment payment of $25 and a $1 transaction payment in the event you pay month-to-month. Nationwide has no enrollment charges and a $2 monthly transaction payment.

Your premium value quote is predicated in your pet’s particulars (age, breed, location, and many others.). We advocate acquiring quotes from every firm to your particular pet. It’s also possible to go to our pet insurance coverage comparability quotes to see a number of pattern costs we’ve gathered. Then use our pet insurance coverage quote type to see how different high corporations evaluate for the one that you love pet.

On common, Nationwide has a number of the lowest premiums, whereas Embrace’s costs are typically among the many highest. Nonetheless, do not forget that it’s all the time finest to get quotes to your particular canine to match what pet insurance coverage might value you. It’s additionally price contemplating what you get for the value, assessing the total worth of the coverage vs simply the value alone.

Each corporations have annual deductibles, which is vital in case your pet experiences a number of accidents or sicknesses through the coverage interval (one 12 months). We declare Nationwide the winner of this class due to its decrease common costs.

Nationwide logo

Worth Of Coverage Winner: Nationwide



Embrace presents the next reductions:

  • 10% off (5% off in NY) for a number of pets 
  • 5% off for navy and veterans (NY and TN excluded)
  • 10% off in case your firm or clinic presents Embrace as an worker profit (FL, ND, NY, and TN excluded)
  • 5% off in NY in the event you pay yearly
  • As much as 25% off for eligible USAA prospects
  • Your deductible routinely goes down $50 annually you don’t obtain a declare cost

Use this hyperlink to make the most of the absolute best value. No promo code is required. It’s also possible to go to our devoted Embrace promotions web page to study extra.


Nationwide Pet Insurance coverage presents the next reductions:

  • 5% off for 2-3 pets lined
  • 10% off for 4 or extra pets lined

No promo code is required. Use this hyperlink to make the most of the absolute best value.

Plan Customization

Several types of dogs sitting together (Caption: Plan Customization Winner)

The opposite important variations between these two corporations are the extent of plan customization accessible and age restrictions.

Embrace Nationwide
Annual Payout Choices $5,000, $8,000, $10,000, $15,000, $30,000, limitless Restricted Per Situation, Limitless
Deductible Choices $200, $300, $500, $750, $1,000 $250
Reimbursement Choices 70%, 80%, 90% 50%, 70%, 90%
Accident-Solely Plan Pets enrolled after their fifteenth birthday Orange X (No or Not)

In case your pet is 15 or older at enrollment, accident-only protection is the one choice accessible from Embrace. However at the very least accident-only protection is on the market from Embrace as a result of Nationwide restricts new enrollment in any coverage to pets underneath age ten.

Embrace has many customization choices to assist suit your protection to your wants and price range. Then again, Nationwide makes use of a profit schedule for some plans, which limits your customization choices. And for its different plans, Nationwide nonetheless has minimal customizations. For this reason Embrace wins this class.

Embrace logo

Plan Customization Winner: Embrace

What’s The Verdict?

General, Embrace wins this comparability towards Nationwide resulting from its in depth protection, secure status, and wider customization choices. Nonetheless, if you would like an organization with decrease premium pricing, Nationwide is presently a strong consideration.

If you happen to didn’t discover what you had been in search of, our consultants dig even deeper into every firm in our particular person critiques of Embrace and Nationwide.

Embrace logo

General Winner: Embrace

Our consultants have spent 1000’s of hours researching to carry you our complete and regularly up to date pet insurance coverage critiques, together with our high picks, together with particulars on every of the preferred pet insurance coverage corporations. So, if you wish to understand how different suppliers evaluate towards each other, you could discover this evaluate useful in your pet insurance coverage search.

Tagged With: Reviewed By Insurance coverage Agent, Vs

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