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, Whole Pet with Wellness® (Whole Pet) and Major Medical. Like Embrace’s accident and illness policy, Major Medical does not automatically include wellness, Whole Pet with Wellness automatically includes wellness, and also covers more than the Major Medical plan. Embrace offers one accident and illness policy, our standard plan, 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 of the key differences between Embrace Pet Insurance and Nationwide’s Major Medical plan. If you want more info, we’ve laid out the differences between Major Medical, Whole Pet with Wellness and Embrace 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
One Comprehensive Policy
Same Age of Enrollment on Every Plan
No Breed-specific Exclusions
Coverage for Congenital Conditions on All Accident & Illness Policies
Cruciate Ligament Waiting Period 6 Months (Optional Waiver Process Available) 12 Months
No Sweeping Orthopedic Exclusions
Diminishing Deductible
No Benefit Schedule
Money-back Guarantee 30 Days 10 Days
Medical Waste Fee Coverage
Grooming Covered in Wellness Plan
Preventable Condition Coverage Included
No Illness Exclusions
Behavioral Treatments Coverage Included
Accepts Pre-certifications
Only First Month's Premium Due at Signup
No Claim Form Required When Submitting Through Online Account
Dental Illness Coverage Included Only covers extractions
Diagnostic Exam Fee Coverage Included
Alternative Treatments Coverage Included
24/7 Pet Telehealth
Medical History Review Option
Preventative Care Plan Per-item Limits
Waiting Periods 2 Days for Accidents 14 Days for Illnesses 14 Days for Accidents & Illnesses

18 Reasons to Consider Embrace over Nationwide Pet Insurance

Embraced Dog Stella

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

Nationwide’s wellness plan, whether included as part of a Whole Pet with Wellness 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.  

Nationwide also has age and state restrictions on wellness enrollment. Pets under 1 year can’t enroll in Nationwide’s Wellness Plus℠, Wellness Basic℠, or Whole Pet with Wellness. 

Embrace’s Wellness Rewards® is an optional plan (it’s not insurance) that reimburses for 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 Whole Pet with Wellness®. These plans have some different coverages, different waiting periods, and more. For example, on Whole Pet, Nationwide doesn’t allow pet parents to adjust the 90% reimbursement percentage to a lower percent that might make the policy more budget-friendly. 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. 

Additionally, Embrace pet parents can customize their policy options, like 70%, 80%, or 90% reimbursement percentage, to get a monthly premium that fits their pet and their budget. At Embrace, a lower premium never reduces what’s covered. 

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’s Major Medical (and Feline Select®) plan doesn’t allow pets to enroll if they are older than 10 years old. Nationwide’s Whole Pet with Wellness plan doesn’t allow pets to enroll until they’re 1 year old. If under 1 year old, pets are relegated to coverage under Major Medical or another plan.  

4. Nationwide Pet Insurance has Breed-specific Exclusions 

Nationwide pet insurance’s Major Medical plan limits coverage for hereditary and genetic conditions by completely excluding 183 conditions based on breed. Major Medical also limits the payout on the hereditary and genetic conditions it does cover and applies a waiting period.  

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 Congenital Conditions 

Nationwide pet insurance’s Major Medical (and Feline Select® and Medical) plan doesn’t cover any congenital conditions and developmental defects — even if the pet did not have/show symptoms before the start of the policy. 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 Major Medical plan has a 12-month waiting period for cruciate ligament injuries, and it can’t be shortened.  

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 Major Medical accident and illness plan 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’re pre-existing. 

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 an insurance claim reimbursement. This is included with every policy at no extra charge. 

Nationwide doesn’t offer a feature like this on any of its pet health insurance policies.  

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

Nationwide’s accident and illness policy Major Medical uses a benefit schedule to reimburse claims. A benefit schedule states the maximum amount per diagnosis you will be reimbursed. This can be very limiting, especially in areas with higher costs of living, where services like vet care may be more expensive.  

Embrace’s accident and illness policy reimburses a direct percentage of their veterinary bill, either 70%, 80%. or 90% — whatever you choose. Nationwide’s other accident and illness policy, Whole Pet with Wellness, also reimburses pet parents a direct percentage of the vet bill, but it only has one reimbursement option: 90%, which can lead to higher premiums.  

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 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. 

12. Embrace’s Wellness Rewards Covers Grooming 

Nationwide pet insurance doesn’t reimburse for grooming under its wellness plan (or its Whole Pet with Wellness plan, which automatically includes routine and preventative care, but with limits on how much you can be reimbursed for certain items). With Embrace’s Wellness Rewards plan, we reimburse 100% of grooming, nail trims, and bathing costs up to the annual allowance you select. 

13. Nationwide Pet Insurance Doesn’t Cover Preventable Conditions 

Nationwide pet insurance’s Major Medical plan doesn’t cover 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. 

Nationwide’s Whole Pet with Wellness® plan covers these conditions, but your pet isn’t eligible for this plan until they’re 1 year old, and many of these parasites are very common in puppies and kittens.  

14. Nationwide Pet Insurance has Illness Exclusions 

Nationwide pet insurance doesn’t cover anal gland infections in its Major Medical 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’s Major Medical insurance policy also excludes coverage for 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’s Major Medical plan doesn’t 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. 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. 

17. 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 payment at a time.  

18. Embrace Pet Insurance Doesn’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.  

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.