The microcapsule-enabled cementitious material is an appealing building material and it has been attracting increasing research interest. By considering microcapsules as dissimilar inclusions in the material, this paper employs the discrete element method (DEM) to study the effects of loading rate on fracturing behavior of cementitious material specimens containing the inclusion and crack. The numerical model was first developed and validated based on experimental results. It is then used to systematically study the initiation, propagation and coalescence of cracks in inclusion-enabled cementitious material. The study reveals that the crack propagation speed, first crack initiation stress, coalescence stress, compressive strength and ultimate strain increase with the loading rate. The initiation position, propagation direction, cracking length and type of the initiated cracks are influenced by the loading rates. Two new crack coalescence patterns are observed. It is easier to cause the coalescence between the circular void and a propagating crack at a slow loading rate than at a fast loading rate.