Embrace vs Nationwide pet insurance
Their main accident & illness plans side by side, from each insurer's own documents (reviewed 2026-10-16).
The key differences
- Embrace offers a higher maximum reimbursement (90% vs 80%).
- Embrace has an unlimited annual limit option; Nationwide tops out at $5,000.
- Embrace can cover a cured pre-existing condition; the other can't.
Side by side
| Feature | Embrace | Nationwide |
|---|---|---|
| Plan | Accident & Illness | Modular Pet Insurance |
| Price level | $$ Mid-range | $$ Mid-range |
| Reimbursement | 70/80/90% | 50/70/80% |
| Annual limit (max) | Unlimited | $5,000 |
| Deductible | Annual | Annual |
| Exam fees | Covered | Covered |
| Dental | Injury & disease | Injury & disease |
| Pays vet directly | No | No |
Show all rows
| Feature | Embrace | Nationwide |
|---|---|---|
| Alternative therapy | Included | Included |
| Accident wait | none | 14 days |
| Illness wait | 14 days | 14 days |
| Orthopedic wait | 6 mo | 12 mo |
| Wellness option | Yes | Yes |
| Multi-pet discount | 10% (plus 5% military discount) | 5% for 2–3 pets, 10% for 4+ |
| Cured pre-existing | Can be covered | Not covered |
| Enrollment age | New policies up to age 14. | No maximum enrollment age. |
| Availability | Sold in every state. | Sold in every state. |