Compare Embrace to Nationwide Pet Insurance

When comparing Nationwide® pet insurance to Embrace, the difference is in the details. Nationwide offers two accident and illness pet health plans, WholePet® and Major Medical. Like Embrace’s accident and illness policy, Whole Pet and Major Medical do not automatically include wellness If you find all that confusing, that's why Embrace offers one accident and illness policy: To make things easier for our pet parents, and we have an optional wellness plan add-on. In the pet insurance comparison chart below, we show some key differences between Embrace and Nationwide’s Whole Pet plan. And below the chart.  Have more questions? Our Pet Insurance Advisors are here to help. Give us a call at (800) 779-1539 and we’ll walk you through it.


Select the pet insurance providers below to see how Embrace compares to other plans.

Plan features Nationwide WholePet®
One Comprehensive Policy
Same Age of Enrollment on Every Plan
No Breed-specific Exclusions
Coverage for Congenital Conditions
Cruciate Ligament Waiting Period 6 Months (Optional Waiver Process Available) 12 Months
No Sweeping Orthopedic Exclusions
No Benefit Schedule
Money-back Guarantee 30 Days 10 Days
Medical Waste Fee Coverage
Grooming Covered in Wellness Plan
Coverage for Preventable Conditions
No Illness Exclusions
Hip dysplasia coverage on all Accident & Illness policies
Accepts Pre-certifications
Only First Month's Premium Due at Signup
No Claim Form Required When Submitting Through Online Account

17 Reasons to Consider Embrace over Nationwide Pet Insurance

Embrace Pet Insurance vs Healthy Paws Pet Insurance

1. Nationwide Pet Insurance Limits How You Spend Your Wellness Funds 

Nationwide’s wellness plan, whether  added to Major Medical policy or purchased on its own, puts limits on the amount of money they will reimburse on specific types of care, like vaccinations. For example, if you have $25 left in your wellness plan for vaccinations, but your pet doesn’t need any more vaccinations, the money doesn’t rollover for general use. It’s gone.  

Embrace’s Wellness Rewards® is an optional plan (it’s not insurance) that reimburses or routine and preventative veterinary, grooming, training, and vaccination costs, with no limits besides the yearly max you choose. Additionally, any pet 6 weeks or older, in any state, can get our wellness plan. 

2. Embrace Offers One Easy Comprehensive Policy

Nationwide has two accident and illness plans, Major Medical and WholePet®. These plans have some different coverages, different waiting periods, and more. For example, on Whole Pet, Nationwide members can customize their policy options, like 50%, 70%, or 90% reimbursement percentage, to get a monthly premium that fits their pet and their budget. Whole Pet covers cherry eye, while Major Medical only partially covers it.

Embrace has one accident and illness policy, our standard policy, and it covers just about everything. This makes it easier for pet parents to understand their coverage and feel peace-of-mind.

3. Nationwide’s Age Limits are More Restrictive

Dogs and cats as young as 6 weeks are eligible for coverage on the Embrace accident and illness policy. They can also have an Embrace Wellness Rewards plan. Embrace also allows pets to enroll in new coverage until they 15 years old. At 15 and older, pets can enroll in an accident-only plan. Nationwide’s pet insurance plans don’t allow pets to enroll if they are older than 10 years old. Dogs and cats as young as 6 weeks are eligible for coverage on Nationwide’s policies.

4. Nationwide Pet Insurance has Breed-specific Exclusions

Nationwide’s Whole Pet covers congenital and hereditary conditions, as long as they are not pre-existing, and don’t exclude coverage based on breed. Embrace covers congenital and hereditary conditions with every accident and illness policy, as long as they are not pre-existing. We don’t exclude coverage based on breed.

5. Embrace Offers Coverage for Congential Conditions

Nationwide’s Whole Pet plan covers congenital conditions and developmental defects, as long as pets don’t have symptoms before coverage begins (in which case, the condition would be considered pre-existing). Embrace’s accident and illness policy covers congenital conditions and developmental defects, as long as pets don’t have symptoms before coverage begins (in which case, the condition would be considered pre-existing).

6. Embrace has Shorter Waiting Periods for Ligament Injuries

Nationwide’s Whole Pet plan has a 12-month waiting period for cruciate ligament injuries, and it can’t be shortened. In Georgia, the waiting period is 6 months. Embrace has a standard 6-month waiting period for orthopedic conditions (for dogs only, no waiting period for cats), and we offer an Orthopedic Exam and Waiver to have the waiting period reduced to as little as 14 days.

7. Embrace Doesn't Have Broad Orthopedic Exclusions

Nationwide’s Whole Pet plan does not exclude certain bone or joint conditions associated with hip dysplasia, elbow dysplasia, patellar luxation, osteochondritis dissecans, or any fracture, luxation, or sublaxation associated with aseptic necrosis of a femoral headunless these conditions are pre-existing.

Embrace doesn't exclude orthopedic conditions unless they’re pre-existing.

8. Embrace Doesn't Use a Benefit Schedule For Reimbursement

Nationwide’s Whole Pet policy reimburses a direct percentage of their veterinary bill, either 50%, 70%. or 90% — whatever you choose.

Embrace’s accident and illness policy reimburses a direct percentage of their veterinary bill, either 70%, 80%. or 90% — whatever you choose.

9. Embrace Offers a Longer Refund Period

Nationwide pet insurance only refunds the full premium if the policy is cancelled in the first 10 days. Embrace has a 30-day money back guarantee, as long as we haven’t paid any claims.

10. Medical Waste Fees are Covered with Embrace

Nationwide pet insurance doesn’t cover medical waste fees in its policies. This charge usually isn’t a very significant portion of the vet bill, but it can add up fast if pets are seen weekly or monthly. Embrace includes medical waste fee coverage in our policy at no extra cost.

11. Embrace’s Wellness Rewards Covers Grooming

Nationwide pet insurance doesn’t reimburse for grooming under its Pet Wellness plans. With Embrace’s Wellness Rewards plan, we reimburse 100% of grooming, nail trims, and bathing costs up to the annual allowance you select.

12. Nationwide Pet Insurance Doesn't Cover Preventable Conditions

Nationwide Whole Pet plan covers treatment for fleas, heartworm, lice, ticks, or any other internal or external parasites — regardless of whether a pet is on a preventative or not. Embrace covers treatment for internal or external parasites, even if they could have been prevented.

13. Nationwide Pet Insurance has Illness Exclusions

Nationwide Whole Pet covers anal gland infections . Embrace considers an infected anal gland an illness, and will cover the treatment, and even removal, as long as the condition isn’t pre-existing.

14. Nationwide Pet Insurance Doesn't Cover Behavioral Conditions

Nationwide’s Whole Pet plan provides coverage for behavioral problems, As long as the issue isn’t pre-existing. Embrace covers behavioral problems, consultations, therapy, and follow-up visits, as long as the issue isn’t a pre-existing condition.

15. Nationwide Pet Insurance Doesn’t Accept Pre-certifications

Pre-certifications are when you submit the estimated cost of a procedure to your pet health insurance company to see if it will be covered, and how much, before proceeding with the treatment. While not mandatory, Embrace is happy to review an estimate before a procedure to give you peace of mind. Nationwide pet insurance requires the invoice be submitted after you pay the veterinarian.

16. Nationwide Pet Insurance Charges More at Signup

Regardless of the plan you choose, Nationwide pet insurance charges the first and second month of premium at sign up. Embrace only charges you one month of premium at a time.

17. Both Nationwide and Embrace Pet Insurance Don’t Require a Claim Form

When you submit a claim through MyEmbrace or the Embrace Pet Insurance app, you don’t need a claim form. Just follow the prompts and upload photos of your invoice or upload the invoice your vet emailed to you. It’s fast, easy and paperless. Nationwide doesn’t require a claim form when submitting claims through their Pet Account Access Page. Just follow the prompts and upload photos of your invoice or upload the invoice your vet emailed to you. It’s fast, easy and paperless.

Of course, if you’re submitting a claim via email, fax, or mail, we still need your pet’s unique claim form with a copy of the invoice. This can also be found in your MyEmbrace account.

Researching the pet insurance plan that's right for you?

We’re happy to help you with your search! Embrace offers dog insurance and pet insurance for cats with customizable plans other insurers can’t compete with. Take a look at the comparisons below or call us at (800) 779-1539 for a free quote today!