Nationwide Pet Insurance
4.3 / 5 - Excellent
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Key Facts
- No enrollment or administrative fees
- Accidents, illnesses & emergency care
- Most claims are processed within 2 days
- Flexible premium & deductible options
- First and largest pet insurer in the US
- Whole Pet & Wellness Plan covers spay/neuter
- 24/7 vethelpline access
- Discounts available on home and auto
- Insurers most birds and exotic pets!
- $250 annual deductible with Unlimited Claims
- Covers congenital and hereditary conditions
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OVERALL RATINGS
Healthy Paws | Nationwide | |
---|---|---|
Coverage | 4.5/5 | 5.0/5 |
Cost | 4.0/5 | 3.0/5 |
Extras | 4.0/5 | 4.0/5 |
What do their policies cover?
Healthy Paws | Nationwide | |
---|---|---|
Pets Covered | Cats | Dogs Cats Birds Exotic Animals |
Coverage Types | Medical | Medical Wellness |
Vet Selection | Unrestricted | Unrestricted |
Out-of-State Coverage | Yes | Yes |
Commercial Pets Covered |
Medical Conditions Covered
Healthy Paws
Nationwide
- Accidental
- Illness
- Hereditary
- Congenital
- Cancer
- Chronic
- Accidental Dental
- Accidental
- Illness
- Hereditary
- Congenital
- Cancer
- Chronic
- Accidental Dental
- Dental Illness
Medical Treatments Covered
Healthy Paws
vs
Nationwide
- Diagnostic Testing
- Surgery
- Hospitalization
- Prescription Medications
- Emergency Care
- Specialty Care
- Alternative Care
- Diagnostic Testing
- Surgery
- Hospitalization
- Prescription Medications
- Emergency Care
- Specialty Care
- Alternative Care
- Behavioral Therapy
How do their benefit limits compare?
Healthy Paws | Nationwide | |
---|---|---|
Benefit Limit Types | Unlimited | Unlimited |
Reimbursem*nt & Deductible Differences
Healthy Paws | Nationwide | |
---|---|---|
Reimbursem*nt Model | Actual Cost | Actual Cost Benefit Schedule |
Minimum Percent Reimbursem*nt | 70% | 90% |
Maximum Percent Reimbursem*nt | 90% | 90% |
Healthy Paws | Nationwide | |
---|---|---|
Deductible Type | Annual | Annual |
Minimum Deductible Offered | $100 | $100 |
Maximum Deductible Offered | $500 | $250 |
Cost Comparison
Starting Monthly Premiums
Healthy Paws | Nationwide | |
---|---|---|
Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683 | $32.83 | $34.25 |
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683 | $17.19 | $18.84 |
Rate Details: Annual Deductible: $500, Benefit Cap: Annual & Unlimited, Reimbursem*nt Model: 70% of Annual Cost
Rate Details: Annual Deductible: $250, Benefits Cap: Annual & Unlimited, Reimbursem*nt Model: Benefits Schedule
Available Discounts:
Available Discounts: 5% discount on current Nationwide member
Compare Enrollment & Waiting Periods
Healthy Paws | Nationwide | |
---|---|---|
Min Enrollment Age | 8 weeks | 6 weeks |
Max Enrollment Age | 14 years | 10 years |
Accident Waiting Period | 15 days | 14 days |
Illnesses Waiting Period | 15 days | 14 days |
Free Look Period | 30 days | 10 days |
Claims & Service
Healthy Paws | Nationwide | |
---|---|---|
Advertised Response Time | 3 days | 14 days |
Claim Form | Fax Online Portal Mobile App | Fax |
Company Disclaimers
Contact & Additional Information
Healthy Paws | Nationwide | |
---|---|---|
Homepage URL | ||
Headquarters Address | 11120 NE 33rd Place, Bellevue, WA, 98004 | One Nationwide Plaza, Columbus, OH, 43215 |
Mailing Address | P.O. Box 50034, Bellevue, WA, 98105 | P.O. Box 2344, Brea, CA, 92822 |
Year Founded | 2009 | 1981 |
Final Verdict
Healthy Paws Pet Insurance has a higher overall rating than Nationwide Pet Insurance. Healthy Paws scores better than Nationwide across: Cost, Reviews, and Enrollment. However, Nationwide scores better on Coverage, Benefit Limits, Deductibles, and Reimbursem*nt. Both companies score similarly on Extras.
Customer Comments & Reviews
Michele B
6/17/2024
Healthy Paws Pet Insurance review
We have been very happy with Healthy Paws. Their response time is so very fast and we appreciate the great customer service we've received. We have done our very best to keep Maizy healthy and happy, but are grateful to have pet insurance that helps take care of her needs when things happen. Every chance we get, we recommend Healthy Paws to family & friends.
T
Tamara
6/11/2024
Healthy Paws Pet Insurance review
My 6 year old labradoodle Bodhi unfortunately was diagnosed with T cell lymphoma. We started chemo treatment immediately. Healthy paws has paid everything that is covered as per our agreement no questions asked. My experience with Healthy Paws has been outstanding. They reimburse QUICKLY. I have recommended and will continue to recommend Healthy Paws to anyone that is considering pet insurance. Honestly, I don't know what we would have done without them. I have peace of mind with Healthy Paws. That's priceless.
jcip25605
6/14/2022
Nationwide Pet Insurance review
We have dealt with Nationwide Pet Insurance since 1992. They have always been there for our 2 Shih-Tzu's, Cleo and Bella. We had to euthanize Bella last month due to many medical problems. I called Nationwide and explained our situation. They offered condolences and said to send in the final bills. They paid them within 2 weeks. A few days later, they mailed us a check for the remainder of her policy, which was paid for the year. They also enclosed a message of condolences with the check. Thank you Nationwide!
ssrucker
1/28/2022
Nationwide Pet Insurance review
I have the wellness+ injury/illness which covers everything. My experience with Nationwide has been very good. They pay the claims within 30 days. My dog has to have regular teeth cleaning with occasional extractions due to gingivitis and has been covered. I've had the insurance for about 5 years now and they have never denied a claim. They raise their rates every year though and I had to go from a 90% reimbursem*nt to a 70% reimbursem*nt for affordability. And this year I may need to raise my deductible. I chose a $250 deductible with unlimited coverage. The Vet help line has been useful only 2 times in the last 4 years though. But the last time I had to call, I was given good and helpful information to help my pet. I would recommend Nationwide based on my experience with them. I give a 4 star and not 5 stars because of the rate increase every year. But their coverage in my case has been 5 stars.
T
Tina A
4/17/2015
Nationwide Pet Insurance review
I have had my insurance for a couple of years for my dog. I was thinking of canceling it because I didn't use it. Luckily, I didn't, my dog was recently diagnosed with Diabetes and the cost were huge. I turned my claim into VPI and they paid all but $250.00 of it. Wow!! Not only that but, I was paid with each claim in less than 14 days. Very convenient you can follow your claim on thier website. Thank you VPI. It was worth every penny I paid into it.
C
CJ M
2/7/2015
Healthy Paws Pet Insurance review
Regarding the online quoting system+ let me include multiple pets on same quote- can't figure out how to pay an annual amount rather than monthly- they add $25 to the first payment for account set up =deal breaker
L
Lori S
1/17/2015
Healthy Paws Pet Insurance review
I've not actually had my pets covered under this insurer, but they are among the ones I obtained quotes from while shopping around. I have 2 cats; a 4 yr old male & a 12 yr old female. The female is actually in better health than the male, with his frequent UTIs, however because she is over 8 yrs old the best plan they will give me is a $500 deductible & 70% reimbursem*nt, with various limitations. And at the same rate as the comprehensive plan for my male, which has a $100 deductible & reimburses at 90%.
J
Jean H
1/6/2015
Nationwide Pet Insurance review
I think your review is really unfair to VPI. I had VPI when I owned a very ill great dane and they paid out more than they would have recouped if the dog had lived 10 years. I currently have Pet Plan because of all the GLOWING reviews that I had read and am on the verge of dropping them because I'm paying more for their coverage than I did with VPI and they have NEVER paid out a SINGLE DIME! Not even for an animal attack. With Pet Plan, you are banking on your dog getting some hereditary illness later in life that will be costly, but the day to day costs of owning a pet? Forget it. I'm going back to VPI.
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