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 No
One Comprehensive Policy Yes No
Same Age of Enrollment on Every Plan 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
(Optional Waiver Process Available)
12 Months
No Sweeping Orthopedic Exclusions Yes No
Diminishing Deductible Feature Yes No
No Benefit Schedule Yes No
Money-back Guarantee 30 Days 10 Days
Medical Waste Fee Coverage Yes No
Grooming Covered in Wellness Plan Yes No
Covers Preventable Conditions Yes No
No Illness Exclusions Yes No
Behavioral Conditions Covered Yes No
Bloat Covered in Accident-Only Plan Yes No
Accepts Pre-certifications Yes No
Only First Month's Premium Due at Signup Yes No
No Claim Form Required When Submitting Through Online Account Yes No

19 Reasons to Consider Embrace over Nationwide Pet Insurance

1.Nationwide Pet Insurance Has Itemized Limitations for Wellness Plans

Because they have limits per-item, any leftover funds in their set categories are lost if they’re not used.

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 six weeks old in any state to have Wellness Rewards.

2. Embrace Offers 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. They also do not allow personalization of the 90% reimbursement of their Whole Pet with Wellness plan so it will end up costing you more. Embrace offers one simple yet comprehensive policy that you can personalize to fit your budget.

3. Embrace has the Same Age Enrollment Requirements on Every Plan

Nationwide Pet Insurance's Major Medical, Medical, and Feline Select plans all state that pets must be enrolled before they are 10 years of age. With Embrace, a pet can be enrolled in our full accident and illness insurance plan until they are 14 years of age.

4. Nationwide Pet Insurance has 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.

5. Embrace Offers 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 standard on every policy as long as they were not symptomatic before your coverage began.

6.  Embrace Has Shorter Waiting Periods for Ligament Injuries

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.

7. Embrace Doesn't Have Sweeping Orthopedic Exclusions

Nationwide Pet Insurance excludes 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 head. Embrace doesn't exclude orthopedic conditions unless they are pre-existing to the policy.

8. Embrace Offers the Industry’s Best Diminishing Deductible Feature

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.

9. Embrace Doesn’t Use a Benefit Schedule for Reimbursement

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

10. 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.

11. Medical Waste Fees are Covered with Embrace

Nationwide Pet Insurance does not include the medical waste fees in their coverage. This charge usually isn’t a very significant piece of the vet bill, but it can add up if pets are seen weekly or monthly. Embrace includes this coverage in our policy at no extra cost.

12. Embrace’s Wellness Rewards Cover Grooming

Nationwide Pet Insurance doesn’t cover grooming under their wellness plan. Under Embrace’s Wellness Rewards plan, we reimburse 100% of grooming, toenail trims, and baths up to the annual allowance that you select.

13. Nationwide Pet Insurance Doesn’t Cover Preventable Conditions

Nationwide Pet Insurance does not cover treatment for fleas, heartworm, lice, ticks, and other internal or external parasites whether a pet is on a preventative or not. Embrace does not exclude coverage for preventable internal or external parasites.

14. Nationwide Pet Insurance has Illness Exclusions

Nationwide Pet Insurance doesn’t cover an anal gland infection in their insurance policy. 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.

Nationwide Pet Insurance also excludes any age-related changes to a pet’s eyes or ears. Embrace never reduces coverage based on your pet’s age.

15. Nationwide Pet Insurance Doesn’t Cover Behavioral Conditions

Nationwide Pet Insurance does not provide coverage for behavioral problems, therapy, or medication even if the issue was not present before the start of the policy. Embrace covers behavioral problems, consultations, therapy, and follow-up visits as long as the issue isn’t a pre-existing condition.

16. Embrace Covers Bloat on Every Policy

Nationwide Pet Insurance doesn’t cover bloat (formally known as Gastric Dilation Volvulus) under their injury plan. Even if you choose an accident-only policy from Embrace, know that bloat will be covered no matter what.

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

Pre-certifications are when you submit an estimate of a procedure to check if your insurance will cover it before proceeding. 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 it’s paid.

18. Nationwide Pet Insurance Charges More at Signup

Nationwide Pet Insurance charges the first and second month of premium at sign up. Embrace only charges you one month of payment at a time.

19. Embrace Pet Insurance Doesn’t Require a Claim Form When You Submit Through MyEmbrace

When you submit a claim through MyEmbrace, Embrace doesn’t require a claim form – you simply fill in the questions online and send pictures of the invoice.

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