Head-to-Head
Embrace vs Nationwide
Side-by-side comparison of coverage, pricing, waiting periods, and overall value.
Coverage comparison
| Feature | Embrace | Nationwide |
|---|---|---|
| Hereditary | ✓ Yes | ✓ Yes |
| Congenital | ✓ Yes | ✓ Yes |
| Bilateral | ✓ Yes | ✓ Yes |
| Dental | ✓ Yes | ✓ Yes |
| Behavioral | ✓ Yes | ✓ Yes |
| Prescription | ✓ Yes | ✓ Yes |
| Alternative Therapies | ✓ Yes | ✓ Yes |
| Exam Fees | ✓ Yes | ✓ Yes |
Pricing comparison
| Dog type | Embrace | Nationwide |
|---|---|---|
| Small (young) | $24–$42/mo | $35–$70/mo |
| Medium (young) | $30–$55/mo | $45–$85/mo |
| Large (young) | $40–$78/mo | $55–$110/mo |
| Brachycephalic | $45–$92/mo | $65–$125/mo |
| Large (senior) | $62–$125/mo | $80–$155/mo |
Plan flexibility
| Option | Embrace | Nationwide |
|---|---|---|
| Deductibles | $200, $300, $500, $750, $1000 | $100, $250, $500 |
| Reimbursement | 70%, 80%, 90% | 50%, 70%, 90% |
| Annual limits | $5,000, $10,000, $15,000, $30,000 | $5000, $10000, Unlimited |
Waiting periods
| Type | Embrace | Nationwide |
|---|---|---|
| Accidents | 2 days | 14 days |
| Illness | 14 days | 14 days |
| Orthopedic | 6mo | 6mo |
Strengths & weaknesses
Embrace
✓ Most comprehensive coverage
✓ Dental illness included
✓ Behavioral coverage
✓ Diminishing deductible
✗ No unlimited annual limit
✗ Higher premiums for comprehensive coverage
✗ Annual limits may cap large claims
Nationwide
✓ Only major provider covering exotic pets
✓ Available through employer benefit programs
✓ Whole Pet with Wellness plan option
✓ Long-established brand since 1982
✓ No upper age limit
✗ Higher premiums than competitors
✗ Slower claims processing
✗ 6-month orthopedic waiting period
✗ 50% reimbursement on lowest tier
✗ Limited plan customization
Frequently asked questions
Which is better, Embrace or Nationwide?
Embrace has a higher overall rating. Embrace scores 4.3/5 while Nationwide scores 4/5. The best choice depends on your dog's breed, age, and your coverage priorities.
How much does Embrace cost vs Nationwide?
For a medium-sized young dog, Embrace costs $30–$55/month while Nationwide costs $45–$85/month. Embrace is generally more affordable.
Which has better coverage, Embrace or Nationwide?
Both providers cover core accident and illness expenses. Embrace processes claims in 5 days on average, while Nationwide takes 14 days. Review the coverage table above for detailed feature-by-feature differences.
Get your free cost report
Enter your email and we'll send a personalized breakdown of costs.