Healthy Paws vs. Nationwide Pet Insurance (2024)

Healthy Paws Pet Insurance

4.4 / 5 - Excellent

#1 in Pet Insurance

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Nationwide Pet Insurance

4.3 / 5 - Excellent

no_rank

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vs

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

More Details >

More Details >

OVERALL RATINGS

Healthy PawsNationwide
Coverage4.5/55.0/5
Cost4.0/53.0/5
Extras4.0/54.0/5

What do their policies cover?

Healthy PawsNationwide
Pets Covered

Dogs

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

  • 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 PawsNationwide
Benefit Limit Types

Unlimited

Unlimited

Reimbursem*nt & Deductible Differences

Healthy PawsNationwide
Reimbursem*nt Model

Actual Cost

Actual Cost

Benefit Schedule

Minimum Percent Reimbursem*nt

70%

90%

Maximum Percent Reimbursem*nt

90%

90%

Healthy PawsNationwide
Deductible Type

Annual

Annual

Minimum Deductible Offered

$100

$100

Maximum Deductible Offered

$500

$250

Cost Comparison

Healthy PawsNationwide
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 PawsNationwide
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 PawsNationwide
Advertised Response Time

3 days

14 days

Claim Form

Email

Fax

Online Portal

Mobile App

Mail

Email

Fax

Company Disclaimers

Contact & Additional Information

Healthy PawsNationwide
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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Healthy Paws vs. Nationwide Pet Insurance (2024)
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