Embrace vs Nationwide
Coverage that starts sooner and stretches further
 | Nationwide |
|---|---|
Six annual limits to choose from - $2,000, $5,000, $10,000, $15,000, $30,000 or unlimited. | Fixed coverage limits only, no unlimited option. |
Coverage begins on your policy's effective date. | 14 days. |
Choose your annual deductible - $200, $300, $500, $750, or $1,000. More flexibility to fit your budget. | Up to three options, to a $500 maximum. |
Fully customizable plans. | Modular plans with limitations. |
Covered to help maximize the amount of your reimbursement. | Not covered, leaving more to pay out-of-pocket. |
Treatments like acupuncture, hydrotherapy, rehabilitation, chiropractic therapy and behavioral therapy are covered in our standard accident & illness plan when performed by a licensed veterinarian. | Limited or not included. |
6 weeks. | 8 weeks. |
| Plan features |  | Nationwide |
|---|---|---|
| Annual coverage limits | Six annual limits to choose from - $2,000, $5,000, $10,000, $15,000, $30,000 or unlimited. | Fixed coverage limits only, no unlimited option. |
| Waiting period for accidents | Coverage begins on your policy's effective date. | 14 days. |
| Deductible options | Choose your annual deductible - $200, $300, $500, $750, or $1,000. More flexibility to fit your budget. | Up to three options, to a $500 maximum. |
| Coverage flexibility | Fully customizable plans. | Modular plans with limitations. |
| Veterinary admin fees | Covered to help maximize the amount of your reimbursement. | Not covered, leaving more to pay out-of-pocket. |
| Acupuncture and rehab coverage | Treatments like acupuncture, hydrotherapy, rehabilitation, chiropractic therapy and behavioral therapy are covered in our standard accident & illness plan when performed by a licensed veterinarian. | Limited or not included. |
| Age minimum for enrollment | 6 weeks. | 8 weeks. |
| Get your quote |
With Embrace, accident coverage starts the day your policy does.
There’s no two-week gap between buying protection and having it with Embrace - coverage starts when your policy does.
With Embrace, holistic and behavioral care is part of the plan.
Treatments like acupuncture, hydrotherapy, rehabilitation, chiropractic care and behavioral therapy are covered with Embrace when prescribed by a licensed vet for a covered condition.
Let’s get your pet covered
30-day money-back guarantee*
10% multi-pet discount**
No obligation, see your price in just 2 minutes
Where Embrace wins over Nationwide
More deductible choices, more control
Embrace offers a broad range of annual deductibles from $100 to $1,000, letting you strike your own balance between monthly premium and out-of-pocket cost.
Nationwide limits you to $100, $250 or $500 depending on the plan, which makes it harder to shape coverage around your finances.More coverage when you need it most
Embrace offers annual coverage limits from $5,000 up to unlimited. For pet parents who want certainty in the face of a high-cost emergency, the unlimited option is the difference between a bad year and a ruinous one.
Nationwide's fixed annual limits can restrict how much is available in a given policy year — a real concern for pets with chronic conditions.Multi-pet savings from the second pet, not the fourth
The moment you add a second pet to your plan, you save 10% with Embrace. So the more you add, the more you save.
Nationwide's 10% doesn't arrive until you're insuring four or more pets, with 5% for two or three — so most multi-pet households save less.Covered from six weeks old
Embrace enrolls pets from six weeks, so new puppies and kittens are protected from the moment they come home.
Nationwide won't enroll a pet until eight weeks. That’s a long time to go without coverage during a period when accidents are most likely to happen.
Disclosures
Comparison information is provided using publicly available information as of Septmber 30th, 2026 and is only meant to summarize program features, not a specific plan. Review each provider's plan terms for more details. The descriptions of other providers' plans were not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. Although we attempt to keep information up to date, it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing compliance@embracepetinsurance.com
*Assuming no claims have been filed
** NY and WA residents receive 5% (not 10%)