Embrace vs. Nationwide Pet

With pet insurance, the difference is in the details. That's why we've compiled a list of important comparison points between Embrace and Nationwide Pet Insurance, so you can decide for yourself.



Nationwide Major Medical


Logo Nationwide Major Medical
Optional Routine Care Plan True True
Per-Item Limits
Reimbursement Method Percent of Vet Bill Benefit Schedule
Hereditary & Genetic Condition Coverage True
Diminishing Deductible True

Optional Routine Care Plan

Nationwide's Pet Wellness plans put limits on how much they will reimburse you per routine care item - making it hard to get your full benefit each year. Embrace's Wellness Rewards is an optional non-insurance plan that can be purchased in addition to our accident & illness coverage to help pay for your pet's everyday veterinary, grooming, and training costs. You can spend an annual allowance of $250, $450, or $650 however you see fit.

Reimbursement Method

Nationwide's benefit schedule dictates the maximum amounts you can get back per item. Vet bills for a given condition often come to 20-50% more than what a benefit schedule allows. At Embrace, all of our plans reimburse your claim as a straight percentage of your actual vet bill, so you get more money back.

Hereditary & Genetic Condition Coverage

Nationwide's Major Medical plan has limited coverage for hereditary or genetic conditions. It completely excludes 183 hereditary and genetic conditions based on breed and limits the payout on those that it does cover. These conditions can lie dormant for years and, when they do show signs, it can be very expensive to treat them, often totaling several thousands of dollars. You can rest easy knowing Embrace covers hereditary and genetic conditions with every policy.

Diminishing Deductible

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.


Nationwide Whole Pet


Logo Nationwide Whole Pet
Optional Routine Care Plan True Required
Diminishing Deductible True

Optional Routine Care Plan

With Nationwide's Whole Pet with Wellness, routine care coverage is not optional, it's automatically added to your policy. You are subject to waiting periods and the deductible and reimbursement percentage are applied to all wellness claims. At Embrace, we give you the flexibility to purchase our Wellness Rewards plan in addition to your insurance policy if it's the best choice for you. There are no waiting periods and, because Wellness Rewards is not part of the insurance policy, there is no deductible or copay. You're reimbursed at 100% up to your annual allowance.

Diminishing Deductible

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.

Information last updated July 2017. Nationwide is underwritten by Veterinary Pet Insurance Company and National Casualty.