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Coverage and pricing
Plan Name
Monthly Base Premium
Wellness Rider
Additional Coverage Rider(s)
Total Monthly Premium
Deductible
Co-Pay
Nationwide
Nationwide Major Medical Plan with Pet Wellness Plan Basic
$37.11
$14.00
N/A
$51.11
$100 Annual
None
ASPCA
Level 4 with Advanced Wellness
$74.38
$25.00
N/A
$99.38
$100 annual
10%
24PetWatch
Champion
$76.37
N/A
N/A
$76.37
$100 Annual
20%
Petplan
Silver Plan
$66.28
N/A
N/A
$66.28
$50 per incident
20%
Pets Best
Level 2 with BestWellness
$85.67
$23.50
N/A
$109.17
$100 annual
10%
PetFirst
Lifetime $10,000
$94.95
$26.00
N/A
$128.95
$50 per incident
10%
AKC
Companion Plus
$70.17
$26.00
$28.42
$124.59
$100 annual
20%
Embrace
Embrace Plan ($15k max) with Rx Drug Coverage and Wellness Plus Rewards
$107.31
$32.50
$13.47
$155.91
$100 annual
20%
Trupanion
Trupanion Plan
$98.30
N/A
$12.51
$110.82
$50 Per Incident/Condition
10%
HealthyPaws
Healthy Paws Plan
$50.97
N/A
N/A
$50.97
$100 annual
10%
Sample reimbursements
Pancreatitis Bill Amount $1,070.63
Laceration Bill Amount $321.13
Ear Infection Bill Amount $264.84
88% reimbursed
100% reimbursed
93% reimbursed
79% reimbursed
90% reimbursed
84% reimbursed
70% reimbursed
80% reimbursed
75% reimbursed
74% reimbursed
68% reimbursed
60% reimbursed
79% reimbursed
90% reimbursed
84% reimbursed
83% reimbursed
76% reimbursed
67% reimbursed
70% reimbursed
80% reimbursed
75% reimbursed
70% reimbursed
80% reimbursed
80% reimbursed
85% reimbursed
76% reimbursed
67% reimbursed
79% reimbursed
90% reimbursed
84% reimbursed
Key plan details
Use Any Vet, Emergency Clinic, or Specialist
Accidents and Illnesses
Chronic and Ongoing Diseases
Cancer Coverage
Dental Surgeries and Diseases
Prescription Medications
Wellness Coverage
Wellness Deductible
Yes
Yes
Yes
Yes
Yes
Yes
Yes
None
Yes
Yes
Yes
Yes
Limited
Yes
Yes
None
Yes
Yes
Yes
Yes
Yes
Yes
Yes
None
Yes
Yes
Yes
Yes
Yes
Yes
No
N/A
Yes
Yes
Yes
Yes
Limited
Yes
Yes
None
Yes
Yes
Yes
Yes
Yes
Yes
Yes
None
Yes
Yes
Yes
Yes
Limited
Yes
Yes
None
Yes
Yes
Yes
Yes
Limited
Yes
Yes
None
Yes
Yes
Yes
Yes
Limited
Yes
No
N/A
Yes
Yes
Yes
Yes
Yes
Yes
No
N/A

compare pet insurance

Check up to two companies to compare with Nationwide:

  • ASPCA
  • 24PetWatch
  • PetPlan
  • Pets Best
  • PetFirst
  • AKC
  • Embrace
  • Trupanion
  • HealthyPaws

Coverage and pricing

Feature Nationwide ASPCA 24PetWatch Petplan Pets Best PetFirst AKC Embrace Trupanion HealthyPaws
Plan Name Nationwide Major Medical Plan

with Pet Wellness Plan Basic

Level 4

with Advanced Wellness

Champion Silver Plan Level 2

with BestWellness

Lifetime $10,000 Companion Plus

($10K Incident, $16K Annual Max, ExamCare, InheritedPlus)

Embrace Plan ($15k max)

with Rx Drug Coverage and Wellness Plus Rewards

Trupanion Plan Healthy Paws Plan
Monthly Base Premium $37.11 $74.38 $76.37 $66.28 $85.67 $94.95 $70.17 $107.31 $98.30 $50.97
Wellness Rider $14.00 $25.00 N/A: Wellness included in ChampionCare plan which can be purchases via phone N/A: No Wellness Available $23.50 $26.00 $26.00 Wellness Rewards (Not an insurance policy.): $32.50 N/A: No Wellness Available N/A: No Wellness Available
Additional Coverage Rider(s)

To provide most similar coverage as available with Nationwide Major Medical Plan

N/A N/A N/A N/A N/A N/A ExamCare (Exam Fees):
$9.25

InheritedPlus (Congenital illnesses):
$19.17
Rx Drug Coverage (Prescription Medications Rider):
$13.47

Price based on 15% of monthly based premium.
Recovery & Complementary Care Rider:
$12.51
N/A
Total Monthly Premium

Monthly premium based on 1-yr-old Labrador Retriever in San Diego, CA 92114

$51.11 $99.38

(Based on current rates after recent increases of about 20% in some areas. Prices may have changed again, check website for details.)

$76.37

(Based on current rates after recent increases of about 10% in some areas. Prices may have changed again, check website for details.)

Premium may increase if determined you've submitted an excessive number of claims

$66.28

(Based on current rates after recent increases of about 10% in some areas. Prices may have changed again, check website for details.)

$109.17 $128.95

(Based on current rates after recent increases of about 15% in some areas. Prices may have changed again, check website for details.)

$124.59

(Based on current rates after recent increases of about 20% in some areas. Prices may have changed again, check website for details.)

$155.91

(Based on current rates after recent increases of about 10% in some areas. Prices may have changed again, check website for details.)

$110.82 $50.97

(Based on current rates after recent increases of about 10% in some areas. Prices may have changed again, check website for details.)

Deductible $100 Annual $100 Annual $100 Annual $50 Per Incident

Per Incident deductible means the deductible is applied to each new incident. Therefore, one vet bill with two "incidents" means that the deductible is applied for each incident separately, resulting in two deductibles on one vet bill.

$100 Annual $50 Per Incident

Per Incident deductible means the deductible is applied to each new incident. Therefore, one vet bill with two "incidents" means that the deductible is applied for each incident separately, resulting in two deductibles on one vet bill.

$100 Annual $100 Annual $50 Per Incident

Per Incident deductible means the deductible is applied to each new incident. Therefore, one vet bill with two "incidents" means that the deductible is applied for each incident separately, resulting in two deductibles on one vet bill. Per condition deductible means that the deductible is applied to each new condition. Therefore, each new condition will result in an applied deductible.

$100 Annual
Co-Pay None 10% 20% 20% 10% 10% 20% 20% 10% 10%

sample reimbursements

The following claims are based on three events that happened to the same dog in one policy year/term (e.g. 1-yr-old Labrador Retriever).

Feature Nationwide ASPCA 24PetWatch Petplan Pets Best PetFirst AKC Embrace Trupanion HealthyPaws
Pancreatitis

Bill Amount $1,070.63

Paid $942.13

(88% Reimbursed)

Paid $847.92

(79% Reimbursed)

Paid $753.70

(70% Reimbursed)

Paid $793.70

(74% Reimbursed)

Paid $847.92

(79% Reimbursed)

Paid $892.92

(83% Reimbursed)

Paid $753.70

(70% Reimbursed)

Paid $753.70

(70% Reimbursed)

Paid $905.74

(85% Reimbursed)

Paid $847.92

(79% Reimbursed)

Lacerations

Bill Amount $321.13

Paid $321.13

(100% Reimbursed)

Paid $289.02

(90% Reimbursed)

Paid $256.90

(80% Reimbursed)

Paid $216.90

(68% Reimbursed)

Paid $289.02

(90% Reimbursed)

Paid $244.02

(76% Reimbursed)

Paid $256.90

(80% Reimbursed)

Paid $256.90

(80% Reimbursed)

Paid $244.02

(76% Reimbursed)

Paid $289.02

(90% Reimbursed)

Ear Infection

Bill Amount $264.84

Paid $247.59

(93% Reimbursed)

Paid $222.83

(84% Reimbursed)

Paid $198.70

(75% Reimbursed)

Paid $158.07

(60% Reimbursed)

Paid $222.83

(84% Reimbursed)

Paid $177.83

(67% Reimbursed)

Paid $198.07

(75% Reimbursed)

Paid $198.07

(75% Reimbursed)

Paid $177.83

(67% Reimbursed)

Paid $222.83

(84% Reimbursed)

Key plan details

Feature Nationwide ASPCA 24PetWatch Petplan Pets Best PetFirst AKC Embrace Trupanion HealthyPaws
Use Any Veterinarian, Emergency Clinic, or Specialist Yes Yes Yes Yes, HOWEVER, regardless of chosen co-insurance, an automatic 20% co-pay is charged for visits to an ER hospital or specialist Yes Yes Yes Yes Yes Yes
Accidents and Illnesses

Including hospitalizations and surgeries

Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Chronic and Ongoing Diseases

(example: allergies)

Yes Yes; however, additional limitations apply, including a lifetime maximum and separate $100 annual deductible Yes Yes Yes Yes Yes; however, the following chronic conditions do not qualify for coverage: eye conditions, chronic renal (kidney) failure, diabetes, osteoarthritis, and spondylosis. Yes Yes Yes
Cancer Coverage Yes Yes, but chronic/ongoing limits apply Yes Yes Yes Yes Yes Yes Yes Yes
Dental Surgeries and Diseases Yes Limited. Only extractions are covered. No coverage for extractions related to most common dental diseases, including periodontal disease. Yes, with addition of Dental Fees endorsement. Yes, but annual dental exam required for dental treatment coverage. Limited. Only extractions and some reconstructions are covered and only if caused by an accident. Yes Limited. Only extractions for permanent broken teeth due to an accident are covered. Limited. Only treatments resulting from accidental trauma or dental injuries are covered. Limited. Only canine and carnassial teeth are covered for treatment due to disease or trauma. All other teeth are covered for extractions or up to cost of extractions only. Yes
Prescription Medications Yes Yes Yes Yes Yes, if included on their list of covered medications (provided on their website) Yes Yes Yes, included with optional Rx Drug Coverage at additional cost per month (see above under "Coverage and Pricing"). Yes Yes
Wellness Coverage Yes Yes Yes, included in ChampionCare plan. Must call in to purchase. No Yes Yes Yes Yes No No
Wellness Deductible None None None, but there is a 20% copayment on eligible claims. N/A None None None None N/A N/A
24/7 Vet Helpline access Yes No No No No No No No No No
More Features to Compare
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Company

Feature Nationwide ASPCA 24PetWatch Petplan Pets Best PetFirst AKC Embrace Trupanion HealthyPaws
Market Share 48.0% 9.0% 6.0% 11.0% 6.0% 2.0% 2.0% 3.0% 12.0% -
Years in Business 33 years

Created the pet insurance industry in the U.S. in 1982

18 years

First policy sold in 1997.

14 years

First policy sold in U.S. in 2001.

9 years

First policy sold in 2006.

10 years

First policy sold in 2005.

10 years

First policy sold in 2005.

12 years

First policy sold in 2003.

9 years

First policy sold in 2006.

7 years

First policy sold in U.S. in 2008.

5 year

First policy sold in 2010.

Underwriter In CA, Nationwide Insurance Company

A.M. Best Rating A (2012)

In all other states, National Casualty Company (Nationwide Insurance)

A.M. Best Rating A+ (2012)

United States Fire Insurance Co.

A.M. Best Rating: A (2011)

Fairmont Specialty Insurance Agency, Inc.

A.M. Best Rating: unavailable

Praetorian Insurance Company

A.M. Best Rating: A (2011)

AGCS Marine Insurance Company

A.M. Best Rating: A+ (2011)

Independence American Insurance Company

A.M. Best Rating A- (2011)

Prime Insurance Company

A.M. Best Rating A- (2014)

American Alternative Insurance Corporation

A.M. Best Rating: A+ (2011)

American Pet Insurance Company

A.M. Best Rating: unavailable

American Modern Home Insurance Company

A.M. Best Rating A+ (2012)

American Southern Home Insurance Company

A.M. Best Rating A+ (2014)

American Pet Insurance Company

A.M. Best Rating: unavailable

ACE American Insurance Company

A.M. Best Rating: A+ (2013)

Underwriter Stability Nationwide has always underwritten its own plans in California since 1982 and has always had the same underwriter in all other states since expanding nationwide in 1984. Including their current underwriter, ASPCA (Hartville) has had six underwriters since it began selling under Hartville in 2001.

Previous Underwriter:
QBE International Limited
Including their current underwriter, 24PetWatch has had two underwriters since it began selling in U.S. in 2001.

Previous Underwriter:
Lincoln General Insurance Company
Including their current underwriter, Petplan has had three underwriters since it began selling in 2006.

Previous Underwriter:
American National Property and Casualty Company
Including its current underwriters, Pets Best has had six underwriters since it began selling in 2005.

Previous Underwriter:
North Pointe Insurance Company
Including its current underwriter, PetFirst has had two underwriters since it began selling in 2005.

Previous Underwriter:
State National Insurance Company
Including its current underwriter, AKC has had three underwriters since it began selling in 2003.

Previous Underwriter:
Markel Insurance Company
Including its current underwriters, Embrace has had four underwriters since it began selling in 2006.

Previous Underwriters:
RLI Insurance Company
Trupanion has always had the same underwriter since it began selling in U.S. in 2008. Including its current underwriter, Healthy Paws has had two underwriters since it began selling in 2010.

Previous Underwriter:
Markel American Insurance Company

Sample Reimbursements shown are calculated as if they occurred to the same dog during one year/policy term, and based on 1) actual claims received by Nationwide in 2010 from San Diego, CA and 2) the latest policy terms and conditions available on the pet insurance providers' websites as of February 1, 2013.

Pet insurance market share percentages are as listed in Packaged Facts "Pet Insurance in North America, 4th Edition" released in November 2010 and NAPHIA Pet Health Insurance Industry Report, released in July 2014.

Pet insurance comparison data is provided using available information through February 1, 2015 and is only meant to summarize key features. Please review insurers' policy terms and conditions for more details.

The description of ASPCA Pet Health Insurance, 24PetWatch Pet Insurance, Petplan Pet Insurance, Pets Best Insurance, PetFirst Healthcare, AKC Pet Healthcare, Embrace Pet Insurance, Trupanion and Healthy Paws Pet Insurance policies was not furnished by the Hartville Group (ASPCA), Pethealth Inc. (24PetWatch), Fetch, Inc. (Petplan), Pets Best Insurance Services, PetFirst Healthcare, PetPartners, Inc. (AKC), Embrace Pet Insurance, Trupanion, and Healthy Paws Pet Insurance, LLC.

If there are questions regarding the illustration, please contact an agent of the Hartville Group (ASPCA), Pethealth Inc. (24PetWatch), Fetch, Inc. (Petplan), Pets Best Insurance Services, PetFirst Healthcare, PetPartners, Inc. (AKC), Embrace Pet Insurance, Trupanion, and Healthy Paws Pet Insurance, LLC.

It is Nationwide's intent to provide consumers with fair and accurate information regarding pet insurers. Despite all efforts to keep information up-to-date, we realize that the comparison data provided will change from time to time. As such, if you are aware of any discrepancies or inconsistencies in the data provided, we encourage you to let us know by emailing comparison@petinsurance.com.