Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Jun 14, 2021

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 Americans today have more pets than ever before. As pet parents, making sure your pet’s best interest in mind is key. Just like humans, pet medical care can get expensive. You might be wondering if paying for pet health insurance is worth it?

There are several companies to choose from including Figo, Embrace, ASPCA, Trupanion, Healthy Paws, Petplan, and Nationwide. Today we’re going to zoom in on Healthy Paws and Nationwide.

Healthy Paws vs Nationwide Pet Insurance are both ranked among the best pet insurance companies in the United States, with comprehensive coverage and a strong backing.

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

Let’s jump right into this pet insurance review!

Need Pet Insurance?

FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!

Healthy Paws vs Nationwide

Healthy Paws is consistently ranked among the best pet insurance providers. Founded in the Pacific Northwest, as a whole, their pet insurance policies encompass a lot of your pet’s vet care. What makes the company stand out is its unlimited benefit payouts in all of its pet insurance 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.

Nationwide has been around for years, providing multiple insurance types, including homeowners, auto, and pet. Their pet insurance branch started as VPI and was then bought by Nationwide in the 1980s.

Nationwide is different from most other pet insurance providers by not just cats and dogs but also exotic pets, birds, rats, and hamsters.

The company also offers wellness plans.  The standard wellness 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. It covers your wellness exams as well as add-ons like heartworm medicine and vaccinations.

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

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. It does not cover exam fees or

Emergency vet and hospital visits and all kinds of surgery are covered. Also, you can keep your coverage no matter what your pet’s age is.

Any licensed veterinarian or specialist is included when enrolling with Healthy Paws. Pet ages do matter to a degree. If your pet’s age happens to be over 8, you will receive 60% reimbursement rates.

Related: 10 Things You Must Know Before You Buy Pet Insurance

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.

As a disclaimer, no pet insurance policy or company will ever cover pre-existing conditions. As always, read the fine print to make sure important items like check-ups are covered and read customer reviews before purchasing a pet insurance plan.

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 with a 10%co-pay. It covers accidents and illness, similar to other plans, but also some of the routine care visits you get with a wellness plan, such as vet visit coverage, spaying/neutering, and others.
  2. 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 additional supplemental insurance. Their benefit schedule may reduce your vet payouts by 50%.
  3. 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.

Nationwide vs Healthy Paws Benefit Limits Compared

Healthy 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 a 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.

Real Cost Savings from PetFirst Clients

Luna

PetFirst saved his parents

$6,712

A happy energetic Luna one morning couldn’t hold her food down. After months of multiple costly vet visits to specialists and an endoscopy, the problem was discovered and fixed. Luna put 22 pounds back on in no time and her parents were grateful for having PetFirst by their side to pay the bills.

Deductibles Compared

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

With 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 mean 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.

healthy paws vs nationwide pet insurance

Healthy Paws vs Nationwide Pet Insurance Reimbursement Compared

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 that 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.

 

Related: 10 Things You Must Know Before You Buy Pet Insurance

Pricing Compared Nationwide vs Healthy Paws Insurance

Healthy Paws vs 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.

Get Nationwide Quotes Now!

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 cats.

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.

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Sample Quotes For Healthy Paws Insurance vs Nationwide Pet Insurance

All of these quotes when possible used the following factors in calculating the estimated pet insurance premium cost for your dog in 2021. 

When possible the data we entered for these prices was as follows; a female, puppy under the age of 12 months, with unlimited coverage (or max offered when unlimited not an option), a $500 deductible, and 70% reimbursement. We did not include the wellness checkup add-on when available. 

Keep in mind that insurance rates are ever-changing and what seems like minor changes such as, your zip code or breed can actually make a major impact on the cost of pet insurance. 

These Pet Insurance Company Price charts are a good tool, not a guarantee of rates, do your own research before you buy. 

*PetFirst first monthly payment has an additional $10-$15 startup fee, the number in this chart is the monthly cost after paying the first-month extra charge.

**Trupanion only offers 90% reimbursement, all other companies’ sample quotes are based on a 70% reimbursement policy which is why Trupanion may appear to cost more. 

 

Nationwide Pet Insurance vs Healthy Paws – Small Mixed Breed Costs Compared

CompanyMonthly Premium
Healthy Paws Pet Insurance$20.37
Nationwide Pet Insurance$52.73
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Medium Crossbred Dogs Price Differences For Healthy Paws Insurance vs Nationwide

CompanyMonthly Premium
Healthy Paws Pet Insurance$29.71
Nationwide Pet Insurance$52.73
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Comparison Of Cost For Large Mixed Breed Dogs – Nationwide vs HealthyPaws

CompanyMonthly Premium
Healthy Paws Pet Insurance$36.05
Nationwide Pet Insurance$66.71
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Labrador Retriever Costs Healthy Paws Insurance vs Nationwide Insurance

CompanyMonthly Premium
Healthy Paws Pet Insurance$43.89
Nationwide Pet Insurance$77.47
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German Shepherd Costs Healthy Paws vs Nationwide

CompanyMonthly Premium
Healthy Paws Pet Insurance$43.89
Nationwide Pet Insurance$77.47
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Poodle Costs Nationwide Insurance vs HealthyPaws Insurance

CompanyMonthly Premium
Healthy Paws Pet Insurance$36.05
Nationwide Pet Insurance$77.47
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Beagle Costs Nationwide Pet Insurance vs Healthy Paws

CompanyMonthly Premium
Healthy Paws Pet Insurance$32.63
Nationwide Pet Insurance$77.47
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Dachshund Costs Nationwide vs Healthy Paws Insurance

CompanyMonthly Premium
Healthy Paws Pet Insurance$32.63
Nationwide Pet Insurance$77.47
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Claims & Service Compared Nationwide Pet Insurance vs Healthy Paws Insurance

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 its claims within a week and is known for its helpful customer service, available Monday through Sunday.

Nationwide claims are typically processed within a month.

 

 

 

Nationwide vs Healthy Paws Enrollment & 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.

Real Cost Savings from PetFirst Clients

Gidget

PetFirst saved his parents

$2,194

Artemis was a beautiful and friendly cat to all who were willing to pet him. Unfortunately, he developed feline diabetes which required regular vet visits and medications that his Mother could not otherwise afford on her fixed income. Having PetFirst insurance, she called and discussed the problem with a friendly PetFirst agent. To her surprise, she found out that Artemis’ ongoing required vet visits and medication would be covered by his PetFirst insurance. Artemis was able to live out the rest of his life with proper medical care and medicines thanks to PetFirst insurance.

Healthy Paws vs. Nationwide: Summing It All Up

Both Healthy Paws vs. Nationwide both offer great coverage. The difference between pet insurance 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 that will give you some other great providers.

 

Other articles you may find helpful: 

Is Exotic Pet Insurance Necessary? 

The Best Pet Insurance By State 

What Is Pet Insurance?

Fun Facts, Dog FAQ’s, And Unsolicited Dog Advice

5 Training Commands to Save Your Dog’s Life

The Ultimate Guide to Safe Foods for Dogs

Dog Health Problems

Dog Breeds

CAT FAQ’s

Cat Health Problems

Cat Breeds

You may find helpful one of our other Best Pet Insurance Reviews which include over 35 top insurers compared with cheap and affordable pet insurance and discounted mixed breed pet insurance

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