Compare Embrace to Nationwide Pet Insurance

When comparing Nationwide's pet insurance coverage to Embrace, the difference is in the details. In the pet insurance comparison chart below, you’ll find important policy factors to consider when deciding if Nationwide Pet Insurance is right for you. If you’re looking for additional information on Nationwide Pet Insurance, you can find a more comprehensive explanation of these features below the chart.


Plan Features Embrace Pet Insurance Logo Nationwide Pet Insurance
Flexible Routine Care Plan Yes Per-item Limits
One Comprehensive Policy Yes No
No Breed-specific Exclusions Yes No
Coverage for Congenital Conditions on All Accident & Illness Policies Yes No
Cruciate Ligament Waiting Period 6 Months
(w/Optional Waiver Process)
12 Months
Diminishing Deductible Feature Yes No
No Benefit Schedule Yes No
Money-back Guarantee 30 Days 10 Days

Important Facts about Nationwide That Could Affect Your Pet's Coverage

Nationwide Pet Insurance has two very different plans, so you'll want to be sure you fully understand the coverage on the plan you are looking at. Their Major Medical plan has a benefit schedule that limits what you can be paid back based on your pet's diagnosis, severely limits coverage of hereditary conditions, and doesn't cover congenital conditions at all. While their Whole Pet option is considerably better, it's not available to purchase online for a puppy under a year old. Finally, while Nationwide offers a wellness plan, it has itemized limits so you'll struggle to get the full value each year.

8 Reasons to Consider Embrace over Nationwide Pet Insurance

1. Flexible Routine Care Plan

Nationwide Pet Insurance has itemized limitations for their wellness plans. If you don’t use the funds in their set categories, then you lose them. Embrace promotes, rewards, and encourages healthy pets by offering Wellness Rewards, an optional non-insurance product that reimburses for everyday veterinary, grooming, and training costs with no itemized limits.

Nationwide Pet Insurance does not allow pets under one year of age to have Wellness Plus℠ or Wellness Basic℠. Plus, their wellness plans are not available in every state. Embrace allows all pets older than 6 weeks old in any state to have Wellness Rewards.

2. One Comprehensive Policy

Nationwide Pet Insurance has several plans that all cover different things, making it difficult for you to find what’s best for your furry friend. Embrace offers one simple yet comprehensive policy.

3. No Breed-Specific Exclusions

Nationwide Pet Insurance has limited coverage for hereditary and genetic conditions in their Major Medical plan. It completely excludes 183 hereditary and genetic conditions based on breed and limits the payout on those that it does cover. Embrace covers congenital and hereditary conditions with every accident and illness policy as long as they are not pre-existing.

4. Coverage for Congenital Conditions

Nationwide Pet Insurance’s Major Medical, Feline Select®, and Medical plans do not cover congenital conditions and developmental defects even if they did not show symptoms before the start of the policy. Embrace covers congenital conditions and developmental defects in all policies if they were not symptomatic before your coverage begins.

5. Shorter Ligament Waiting Periods

Nationwide Pet Insurance has a 12-month waiting period for cruciate ligament injuries. Their waiting period cannot be reduced. Embrace has a 6-month waiting period for orthopedic conditions (for dogs only), and there is an Orthopedic Exam and Waiver Process to have it reduced to as little as 14 days.

6. Diminishing Deductible Feature

Embrace is the only pet insurer to offer a diminishing deductible. With Embrace’s Healthy Pet Deductible, your pet's annual deductible automatically goes down by $50 each year you don't receive a claim reimbursement. This is included with every policy at no extra charge.

7. No Benefit Schedule for Reimbursement

Nationwide Pet Insurance’s Major Medical plan uses a benefit schedule to limit the amount you are reimbursed. Embrace reimburses you a direct percentage based on what you are charged at the vet’s office with every policy.

8. Longer Refund Period

Nationwide Pet Insurance only refunds your full premium if you cancel in the first 10 days of your policy. Embrace has a 30-day money back guarantee as long as we haven’t paid any claims.

Information last updated April 2018. Nationwide is underwritten by Veterinary Pet Insurance Company and National Casualty.
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