Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 10, 2021

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We are a free online resource for anyone interested in learning more about pet insurance. Our goal is to be an objective, third-party resource for everything pet insurance related. We update our site regularly, and all content is reviewed by pet insurance experts.

PetPremium vs Nationwide pet insurance are top pet insurance companies with well-rounded coverage.

Both Pet Premium vs Nationwide offer wellness plans, are competitively priced and have a solid backing.

We did a side-by-side comparison to see exactly how they fare against each other.

Need Pet Insurance?

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

Nationwide vs Pet Premium Pet Insurance Plans Compared

petpremium pet insurance logo

PetPremium is a relative newcomer to the pet insurance industry. They offer very comprehensive pet insurance that is competitively priced.

Policyholders are generally happy with Pet Premium with a 97 % customer satisfaction rate.

Nationwide, a Fortune 100 company, has pet insurance for dogs, cats, and all exotic animals.

With strong financial backing, Nationwide offers a very comprehensive plan and even a wellness plan that can be purchased on its own.

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PetPremium Coverage

PetPremium vs Nationwide both offer comprehensive coverage and wellness plans.

With both providers, in order to get full accident and illness coverage, you will need to choose the upper-tiered plans. Nationwide’s Whole Wellness with Pet which is extremel

 

y comprehensive as it even includes wellness, but you will pay for the added coverage.

 

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

Pet Premium has two different coverage plans:

Accident-Only Coverage

With accident-only coverage, you will get reimbursed for only accidents and the treatment associated with it.  While the premiums are lower, you are not reimbursed for any illness and therefore this plan can be limiting.

Total Coverage

The total coverage plan covers all accidents and illnesses.  This is similar to most standard pet insurance policies but charges a higher premium.

Pet Premium two wellness plans:

PetPremium offers two optional wellness plans that can be added to your pet insurance policy for an additional fee:

The Basic Plan

You get reimbursed up to $250 for specific services (for $9.95 a month). Under this plan, you can get rabies vaccinations, deworming and vet exam coverage with a specific amount back for each service.

The Prime Plan

You get reimbursed up to $500 for more services (for $24.95 a month). Under this plan, you get reimbursed more for each service and it adds services to the basic plan such as flea vaccinations and more money towards dental cleaning.

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.

Nationwide Coverage

Nationwide has two different coverage plans:

The Major Medical Plan

Their Major Medical plan is similar to most standard illness and accident coverage policies.  Your pet will have coverage for diabetes, chronic illness, and hereditary issues. You can add wellness to this plan if interested.

With this plan, however, you don’t have a limit or cap on each incident or occurrence.  For instance, if your dog has diabetes, you pay a deductible for that illness.

And if your dog gets injured, you pay another deductible.

It can get expensive and limits on coverage.

The Whole Pet with Wellness Plan

The Whole Pet Plan is really comprehensive as it has all accident and injury coverage as well as preventative care offers like annual physicals, vaccinations, and even heartworm prevention.

Hip dysplasia is also covered under this plan and while it’s very comprehensive, it can get pricey.

Their Pet Wellness Plan is similar to PetPremium’s with all an allowance of all routine care and procedures.  This can be added to the Major Medical plan.

Nationwide also offers pet insurance plans for exotic pets from all birds to even hamsters.

This coverage is similar to an accident and illness policy to cover any unexpected injuries or sickness that could occur in your exotic pet.

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PetPremium vs Nationwide Benefit Limits Compared

nationwide vs petpremium pet insurance

When comparing benefit limits, PetPremium vs Nationwide only offer unlimited benefits under their most expensive plan.  Both also offer only per-incident limits in the lower tied plans.

PetPremium does allow you to choose from many different benefit limits from $2,500 to unlimited.

These annual limits are only offered in PetPremium’s Accident Only and Total plans.

They have lower-tiered plans with per-incident limits for each injury or accident.

As with all benefit limits, if you want a lower premium, choose the lower benefit level options.

Nationwide is very similar to PetPremium in offering a cap on incidents or injuries in their lower-priced plans.

How this works is each incident or accident, there is a cap on how much they payout.  If you have a dog that gets an ear infection and then a paw injury, you will have a dollar limit on how much can be spent.

Clearly, this is not as ideal as you could reach the maximum levels quickly.

Only Natio

 

nwide’s Whole Pet with Wellness plan offers no cap or unlimited benefits for all illness and injuries.

There are other pet insurance providers, like Healthy Paws, that offers unlimited benefits in all of their plans.

 

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.

Nationwide vs Pet Premium Deductibles Compared

Bot PetPremium and Nationwide work on an annual deductible model which means you have to only meet the deductible once each year. PetPremium gives you a few more choices than Nationwide.

PetPremium offers annual deductibles from $100 to $250.

Nationwide only offers one annual deductible option of $100 in the Major Medical and Whole Pet with Wellness Plans.  While this is a low and inexpensive deductible, it’s preferable to have options.

For instance, Embrace offers many choices of deductibles which can help lower premium rates.

Reimbursement Compared

PetPremium offers a few reimbursement choices while Nationwide only offers one and some are per-per-incident.

PetPremium works on an actual cost reimbursement model which is our preferred choice and has options from 70% to 90%.

With PetPremium’s wellness plans, you are reimbursed a certain allowance towards the specific routine procedures.

Nationwide’s Whole Pet with Wellness Plan has one reimbursement choice of 90%.

With Nationwide’s lower-priced plans, they are reimbursed on a benefit schedule which can be limiting.

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Pricing Pet Premium vs Nationwide Compared

PetPremium’s pricing is much more reasonable than Nationwide’s, especially in the more basic plans.

PetPremium is really on the lower end of pricing for their basic policies.  The higher-end policies, however, are more in line with other pet insurance providers.

The starting monthly premium rates are as follows: $15 for dogs and $11 for cats.

If you enroll more than one pet or pay the entire year upfront, you can get a discount of 10%.

The average monthly premiums for dogs is $13 and for cats is $10.

The preventative care pricing is a monthly rate of $9.95 for the basic plan and $24.95 for the Prime Plan.

Nationwide’s plans are more comprehensive and more expensive.

Their Major Medical monthly premium rates are as follows: $32 for dogs and $19 for cats.

Their Whole Pet Plans’ monthly premium rates are expensive: $59 for dogs and $31 for cats!  But, it does include wellness, so there is that.

5 % discounts are available if you have another home or renter insurance policy with Nationwide and if you enroll more than one cat or dog.

Sample Quotes For Nationwide Pet Insurance vs Pet Premium

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 PetPremium – Small Mixed Breed Costs Compared

CompanyMonthly Premium
Pet Premium Insurance$45.01
Nationwide Pet Insurance$52.73
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Medium Crossbred Dogs Price Differences For PetPremium Pet Insurance vs Nationwide

CompanyMonthly Premium
Pet Premium Insurance$45.01
Nationwide Pet Insurance$52.73
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Comparison Of Cost For Large Mixed Breed Dogs – Nationwide vs Pet Premium

CompanyMonthly Premium
Pet Premium Insurance$45.01
Nationwide Pet Insurance$66.71
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Labrador Retriever Costs PetPremium Insurance vs Nationwide Insurance

CompanyMonthly Premium
Pet Premium Insurance$52.77
Nationwide Pet Insurance$77.47
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German Shepherd Costs Pet Premium vs Nationwide

CompanyMonthly Premium
Pet Premium Insurance$52.12
Nationwide Pet Insurance$77.47
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Poodle Costs Nationwide Insurance vs PetPremium Pet Insurance

CompanyMonthly Premium
Pet Premium Insurance$46.51
Nationwide Pet Insurance$77.47
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Beagle Costs Nationwide Pet Insurance vs Pet Premium

CompanyMonthly Premium
Pet Premium Insurance$49.04
Nationwide Pet Insurance$77.47
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Dachshund Costs Nationwide vs PetPremium Insurance

CompanyMonthly Premium
Pet Premium Insurance$46.78
Nationwide Pet Insurance$77.47
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If the price of pet insurance is the only comparison then Pet Premium has lower costs than Nationwide. 

Claims and Service Compared

Both PetPremium vs Nationwide have similar claims process.

Both Pet Premium vs Nationwide will reimburse you on the actual vet bill within 30 days.

PetPremium is a little antiquated as you can’t pay a claim directly on-line or be reimbursed via direct deposit.

Most of the providers have a mobile app from which you can fill out claims, pay a direct deposit and do all from the phone. Figo is one of the more tech-savvy providers.

Waiting Periods and Enrollment Compared

Both PetPremium vs Nationwide have similar enrollment and waiting period, although PetPremium allows older animals.

With PetPremium, you can enroll your puppies or kittens at 8 weeks old and the upper age limit is 12 for dogs and 14 for cats.

The Accident Only Policy allows pets of any age (which is typical of these plans)

The waiting period for accidents and illnesses are 14 days and a year for ligament issues.

With Nationwide, you can enroll your puppies and kittens at 6 weeks old.  The upper age limit, however, is 10. But, if you enrolled your pet prior to his or her 10th birthday, you won’t lose your coverage.

Nationwide similarly has a 14 day waiting period for accident and illness.

Nationwide does offer an around-the-clock pet helpline for any questions you might have about your pet.

With both PetPremium and Nationwide, their wellness plans start 24 hours after your policy begins.

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Summing Up Nationwide vs. Pet Premium

Both PetPremium and Nationwide do offer similar policies and wellness plans.  Both tend to make you reach for the higher premium plans to receive all the care necessary for your pet.

With PetPremium, if you just want basic, inexpensive coverage, then their lower-tiered plan is a good option.

You can find more information on their respective sites: PetPremium and Nationwide.

If you’re looking for more comparisons, check out our Nationwide vs. Embrace comparison.

We do have other pet insurance providers who offer you more coverage for a better price in our top 10 pet insurance companies for 2020.   It’s always good to get a few quotes before making a decision.

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, 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

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

 

Pet Insurance Companies Vs Compared

Figo vs Nationwide

Healthy Paws vs. Embrace Pet Insurance

Healthy Paws vs PetPlan

Healthy Paws vs Nationwide

Healthy Paws vs Trupanion

Trupanion vs Nationwide

Embrace vs Petplan

Healthy Paws vs Pets Best

Nationwide vs Embrace

Healthy Paws vs PetFirst

Healthy Paws vs Figo

Nationwide vs PetPremium

PetPlan vs Trupanion

Figo vs Trupanion

Trupanion vs Embrace