Pet insurance should be straightforward. That’s why Embrace makes it easy to compare plans side by side. When you stack us against Nationwide Pet Insurance, the differences stand out—like great flexibility and thoughtful coverage features built to fit your pet’s needs.
Compare Embrace and Nationwide side by side to find the pet insurance plan that best fits your pet’s needs and your budget.
 |  | |
|---|---|---|
| Annual coverage limits | Up to unlimited | Fixed limits |
| Waiting period for accidents** | Accident coverage begins on your policy’s effective date. | 14 days |
| Annual deductible options | Choose up to five options ($1,000 maximum | Choose up to three options ($500 maximum) |
| Coverage Flexibility | Fully customizable plans | Modular plans with limitations |
| Veterinarian admin fees*** |  | ✗ |
| Multi-pet discount | 10% for one additional pet | 5% for 2–3 pets, 10% for 4+ pets |
| Complementary therapies**** | Included | Limited or not included |
| Age minimum of enrollment eligibility | 6 weeks | 8 weeks |
Almost 60% of pet parents surveyed who switched from Nationwide to Embrace reported better pet insurance coverage, lower monthly premiums, and better customer service.*
Embrace offers a broad and flexible range of annual deductible options—ranging from $100 to $1,000—giving you the power to tailor your plan to fit both your budget and your pet’s healthcare needs. This flexibility allows you to strike the right balance between monthly premiums and out-of-pocket costs.
Nationwide provides fewer deductible choices, limited to $100, $250, or $500, depending on the plan. This narrower range can make it more challenging to customize coverage to your financial preferences.
With Embrace, you get the freedom to choose a deductible that works best for you.
Embrace Pet Insurance offers annual coverage limits ranging from $5,000 up to unlimited, giving you the flexibility to choose the level of protection that fits your pet’s needs and your budget. For pet parents who want peace of mind in case of unexpected, high-cost treatments, Embrace’s unlimited option provides exceptional value.
Nationwide’s plans typically come with fixed annual limits, which may restrict how much coverage is available in a given policy year. This can be a concern for pets with chronic conditions or those needing extensive care.
Embrace Pet Insurance includes coverage for behavioral therapy and complementary treatments—such as acupuncture and chiropractic care—when prescribed by a licensed veterinarian as part of a covered condition. This reflects a modern approach to pet care, supporting both traditional and integrative treatment options.
Nationwide’s standard plans may not include these services or may only cover them under specific circumstances.
With Embrace, you can feel confident knowing your pet’s care options are thoughtfully supported.
Both Embrace and Nationwide offer coverage to help protect your pet’s health, but Embrace stands out with great flexibility, broad coverage options, and a personalized experience.
From customizable annual deductibles and higher reimbursement rates, to coverage for complementary therapies and shorter waiting periods, Embrace is designed to support your pet’s care at every stage.
See the difference for yourself. Get a free quote today and explore how Embrace can help you care for your pet with confidence and clarity.
Updated Nov 6, 2025
