Healthy Paws vs. Nationwide Pet Insurance Compared

Healthy Paws and Nationwide are both ranked among the best pet insurance companies in the U.S., with comprehensive coverage and strong backing.

We did an in-depth side-by-side review of Healthy Paws and Nationwide to see how they compare.

Let’s jump right to it!

Healthy Paws vs. Nationwide

Healthy Paws is consistently ranked among the best pet insurance providers. What makes the company stand out is its unlimited benefit payouts in all of its plans.

Healthy Paws waiting periods follow the industry standard, but there are many reimbursement choice options and competitive pricing.

 

The Better Business Bureau gives Healthy Paws an A+ rating.

a+ rating better business bureau

 

Nationwide has been around for years, providing multiple insurance types, including homeowners, auto, and pet. What makes Nationwide different than most other pet insurance providers is that their coverage is not just for cat and dogs–with even birds, rats, and hamsters included.

The company also offers wellness plans, and its standard coverage typically includes vet visits and other preventative care options.


Coverage Compared

Healthy Paws and Nationwide both offer very comprehensive coverage, though Nationwide does stand out thanks to its wellness option for all plans.

Healthy Paws provides exceptionally comprehensive coverage without any per-incident or annual payout limits.

Its plans also offer alternative therapy care for pet owners interested in treatments such as hydrotherapy, physical therapy, and even chiropractic services.

With Healthy Paws, hereditary and congenital conditions are also covered, as well as cancer.

Emergency vet and hospital visits and all kinds of surgery are covered.

Any licensed veterinarian or specialist is included when enrolling with Healthy Paws.

Nationwide structures its plans a little differently than other pet insurance companies, by giving its customers the option of a fully comprehensive medical plan or some wellness choices.

Nationwide Plans At A Glance

  1. Nationwide’s Whole Pet with Wellness – This plan is one of the most expansive coverage plans offered among pet insurance providers. It covers accidents and illness, similar to other plans, but also some of the routine procedures you get with a wellness plan, such as vet visit coverage, spaying/neutering, and others.
  1. Nationwide’s Major Medical – This is similar in scope to Healthy Paws standard plan.  It covers common illness or injury related treatments, chronic conditions, and hereditary issues. This plan does not cover wellness, just the usual pet insurance options. If you want wellness, it can be purchased as an additional supplemental insurance.
  1. Nationwide’s Pet Wellness Plan – This plan is the company’s solo wellness plan, covering the usual preventative coverage. As the least expensive option available, it’s quite basic.

Healthy Paws covers hereditary and congenital diseases in all its plans while Nationwide only offers it in the Whole Pet with Wellness plan.

Benefit Limits Compared

healthy paws pet insuranceHealthy Paws offers unlimited benefits under all of its plans while Nationwide only provides unlimited benefits under its most expensive plan.

Healthy Paws doesn’t have a limit on how much you can spend on your pet each year or even throughout the life of your pet. These unlimited caps are even in Healthy Paws’ most basic plan.

This can be especially helpful if your pet has a severe injury, which might typically cost as much as $20,000 or more.

Nationwide’s Whole Pet with wellness plan is its only plan that offers unlimited benefits.

The other two plans are not unlimited but per incident, meaning there is a cap on specific conditions or illnesses.

Deductibles Compared

Healthy Paws works on an annual deductible, while Nationwide gives you an option of either annual or per incident.

healthy paws vs nationwide pet insuranceWith Healthy Paws, you have a choice of deductibles that you hit annually before being reimbursed.  If you want your premium to be lower, then you would want to choose the highest deductible level.

Healthy Paws has three different deductibles, ranging from $100 to $500. If you opt for the $500 deductible, you might get a smaller reimbursement of your bill, but you will pay a more modest premium each month (after the deductible is reached).

Nationwide offers annual deductibles of either $100, $250 or $500 on their more expensive Wellness plans.

The company’s per incident deductibles means that each new incident or condition that occurs in your pet is applied separately.

Therefore, for each new claim, you have a new deductible–which can be extremely limiting.

Annual deductibles only need to be met once each year.

Reimbursement Compared

nationwide insurance for cats
Healthy Paws offer its customers a choice between different reimbursement levels or paying off the actual cost of the vet bill.

Nationwide provides a 90% reimbursement level with either an annual or a per condition reimbursement schedule.

With Healthy Paws, you have three reimbursement levels that you can select from (70%, 80%, or 90% of your bill), thereby choosing which best fits your needs. If you choose the 90% level, you will have a lower monthly premium.

Nationwide’s Whole Pet with Wellness is its only plan that offers an annual deductible, with one choice of 90%.

The company’s lower-priced plans reimburse based on a specific schedule of benefits which specifies the most you can spend on any injury or illness that your pet might encounter.

This can be limiting if your pet has multiple issues during the same policy year and you have to hit that reimbursement level each time.

Pricing Compared

Healthy Paws and Nationwide are comparably priced on their lower tiered plans, while Healthy Paws’ standard plan is less expensive, even while including unlimited benefits.

Healthy Paws offers many discounts for members.


 

Membership in groups such as AAA, AARP, and Costco, as well as an additional 10% off for military personnel.

If your employer signs up with Healthy Paws, you can also get a 15 % discount.

Monthly premiums typically average $31 for dogs and $18 for cats8.

Nationwide’s Whole Pet with Wellness plan is on the more expensive side of its category. Premiums start at $59 for dogs and $31 for cats.

Its Major Medical plan monthly premium prices start at $33 for dogs and $17 for cats.

Concerning discounts, existing Nationwide Auto or Home insurance policyholders are offered a 5% discount when enrolling in their pet insurance. Pet owners who enroll multiple dogs and cats can also get the same discount.

Claims and Service Compared

Healthy Paws is one of the top reviewed pet insurance companies, while Nationwide tends to have more customer complaints in the last few years.

Healthy Paws reimburses it claims within a week and is known for its helpful customer service, available Monday thru Sunday.

Nationwide claims are typically processed within a month.

Enrollment and Waiting Periods Compared

Healthy Paws and Nationwide both offer coverage starting at 6 to 18 weeks old. Nationwide has an upper age limit of ten years old while Healthy Paws will go up to 13 years.

Healthy Paws has a 15-day waiting period for accident and illness, and a one-year waiting period for hip dysplasia.

Nationwide Accident coverage begins five days after enrollment, but there is a 15-day waiting period for illnesses.

Even though the upper age limit for enrollment with Nationwide is ten years old, if you purchased a policy for your pet before that age, and you don’t let it lapse, your pet will have coverage for its entire lifespan.

Waiting periods with Nationwide are two weeks for most accidents and illness, while wellness is only one day.

The company also offers a help hotline for veterinary and wellness questions.

Healthy Paws vs. Nationwide: Summing It All Up

Both Healthy Paws and Nationwide both offer great coverage. The difference between both companies boils down to cost and wellness.

To decide between both companies, make sure to get quotes from both, as specific circumstances can considerably affect your choice of policy.

If you would like to see some other excellent pet insurance companies, our top 10 pet insurance companies of 2018 will give you some other great providers.

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