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Now comparing with Nationwide

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Coverage and pricing
Plan name
Base monthly premium
Wellness rider premium
Additional rider premium(s)
Total monthly premium
Deductible
Co-pay
Nationwide
Whole Pet with Wellness
$64.63
Wellness included on plan
N/A
$64.63
$250 annual
10%
ASPCA
Level 4
$63.18
Advanced Wellness Care: $25.00
Included
$89.68
$100 annual
10%
PetPlan
PetPlan (Unlimited Annual Coverage)
$88.32
Not offered
N/A
$88.32
$250 annual
10%
Pets Best
Elite Option ($10,000 annual limit)
$69.27
BestWellness: $23.50
N/A
$94.77
$200 annual
10%
PetFirst
Lifetime 20,000
$115.95
Routine Care 400: $26
N/A
$141.95
$250 per incident
10%
AKC
Companion Plus
$64.58
DefenderPlus: $26.00
$26.19
$120.75
$250 annual
10%
Embrace
Embrace Plan ($15K annual max)
$112.24
$46.95
N/A
$159.19
$200 annual
10%
Trupanion
Trupanion Plan
$72.51
Not offered
$13.33
$86.44
$250 per condition
10%
Healthy Paws
Healthy Paws Plan
$57.36
Not offered
N/A
$57.36
$250 annual
10%
Figo
Ultimate
$49.75
Not offered
N/A
$49.75
$200 annual
10%
Key plan details
Use any veterinarian, emergency clinic or specialist
Accidents and illnesses, including hospitalizations and surgeries
Chronic and ongoing diseases (example: allergies)
Cancer
Dental surgeries and diseases
Prescription medications
Alternative/holistic therapy
Wellness coverage
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Limited
Yes
Limited
Yes
Limited
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Not offered
Yes
Yes
Yes
Yes
Limited
Limited
Limited
Yes
Yes
Yes
Yes
Yes
Limited
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Limited
Yes
No
Yes
Yes
Yes
Yes
Yes
Limited
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Limited
Yes
Yes
Not offered
Yes
Yes
Yes
Yes
Yes
Yes
No
Not offered
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Not offered

compare pet insurance

Check up to two companies to compare with Nationwide:

  • ASPCA
  • PetPlan
  • Pets Best
  • PetFirst
  • AKC
  • Embrace
  • Trupanion
  • Healthy Paws
  • Figo

Coverage and pricing

Feature Nationwide ASPCA Petplan Pets Best PetFirst AKC Embrace Trupanion Healthy Paws Figo
Plan name Whole Pet with Wellness Level 4 PetPlan (Unlimited Annual Coverage) Elite Option

($10,000 annual limit)

Lifetime 20,000 Companion Plus

($10,000 per incident max; $16,000 annual max)

Embrace Plan

($15K annual max)

Trupanion Plan Healthy Paws Plan Ultimate
Base monthly premium $64.63 $63.18 $88.32 $69.27 $115.95 $64.58 $112.24 $72.51 $57.36 $49.75
Wellness rider premium Wellness included on plan Advanced Wellness Care: $25.00 Not offered BestWellness: $23.50 Routine Care 400: $26 DefenderPlus: $26.00 Wellness Rewards $650 (not an insurance policy): $46.95 Not offered Not offered Not offered
Additional rider premium(s)

For total coverage comparable to Nationwide Whole Pet with Wellness

N/A Continuing Care rider is included in the premium if pet is eligible. For details, see "Chronic and ongoing diseases" under "Coverage features." N/A N/A N/A ExamCare:
$8.50

InheritedPlus:
$17.67
N/A Recovery and Complementary Care Rider: $8.98
Pet Owners Asistance Package: $4.95
N/A N/A
Total monthly premium

Based on 1-yr-old Labrador retriever in Livermore, CA (94550)

$64.63 $89.68 $88.32 $94.77 $141.95 $120.75 $159.19 $86.44 $57.36 $49.75
Deductible $250 annual $250 Annual $250 annual $200 annual $250 per incident $250 annual $200 annual $250 per condition $250 annual $200 annual
Co-pay 10% 10% 10% 10% 10% 10% 10% 10% 10% 10%

Sample reimbursements

The following claims are based on three events that happened to the same dog in one policy year/term.

Feature Nationwide ASPCA Petplan Pets Best PetFirst AKC Embrace Trupanion Healthy Paws Figo
Pancreatitis

Bill amount $1,070.63

Paid $738.57 Paid $712.92 Paid $712.92 Paid $757.92 Paid $712.92 Paid $712.92 Paid $757.92 Paid $669.94 Paid $712.92 Paid $757.92
Lacerations

Bill amount $321.13

Paid $289.02 Paid $289.02 Paid $289.02 Paid $289.02 Paid $64.02 Paid $289.02 Paid $289.02 Paid $7.77 Paid $289.02 Paid $289.02
Ear infection

Bill amount $264.84

Paid $222.83 Paid $222.83 Paid $222.83 Paid $222.83 Paid $0 Paid $222.83 Paid $222.83 Paid $0 Paid $222.83 Paid $222.83

Key plan details

Feature Nationwide ASPCA PetPlan Pets Best PetFirst AKC Embrace Trupanion HealthyPaws Figo
Use any veterinarian, emergency clinic or specialist Yes Yes Yes Yes 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 Limited. Continuing Care rider must be in effect. Eligible chronic conditions are subject to separate incident and lifetime limits of $2,500 and $6,000, respectively. A separate $100 annual deductible and 20% co-pay also apply. Yes Yes Yes Yes Yes Yes Yes Yes
Cancer Yes Yes, but chronic/ongoing limits apply Yes Yes Yes Yes Yes Yes Yes Yes
Dental surgeries and diseases Yes Limited. Only covers extraction of broken teeth. Yes, but annual dental exam is required at owner's expense. Limited. If injury to teeth is caused by an accident, extraction of damaged teeth and reconstruction of upper and lower canine teeth are eligible for coverage. Limited. No coverage for orthodontics, endodontics and removal of deciduous teeth. Limited. Only covers extraction of permanent teeth broken due to an accident. Limited. Only covers treatment resulting from accidental trauma or dental injuries. Limited. Pet's teeth must be examined by a licensed veterinarian once every 12 months at owner's expense. Owner must also comply with veterinarian's recommendations for dental care (scaling, cleaning, polishing) at his/her own expense.

Dental disease or trauma is covered for canine and carnassial teeth; for all other teeth, coverage is limited to cost of extraction.

If your pet is enrolled after 6 months of age, any costs related to retained deciduous teeth are not covered.

Open or closed root planing is not covered.
Yes Yes
Prescription medications Yes Yes Yes Limited to medications on formulary list (available on website). Yes Yes Yes, with purchase of Rx Drug Coverage rider. Yes

For prescription food, 50% of the cost for up to two months of normal feeding is eligible when recommended by your veterinarian for the treatment of illnesses or injuries covered by your policy.
Yes Yes
Wellness coverage Yes Yes, with purchase of rider. Not offered Yes Yes Yes, with purchase of rider. Yes with purchase of Wellness Rewards. Not offered Not offered Not offered
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Sample reimbursements are calculated as if they occurred to the same dog during one year/policy term, and are based on 1) actual claims received by Nationwide in 2010 from San Diego, Calif., and 2) the latest policy terms and conditions available on the pet insurance providers' websites as of September 1, 2015.

Pet insurance comparison data is provided using available information through September 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, Petplan Pet Insurance, Pets Best Insurance, PetFirst Healthcare, AKC Pet Healthcare, Embrace Pet Insurance, Trupanion, Figo Pet Insurance and Healthy Paws Pet Insurance policies was not furnished by the Hartville Group (ASPCA), Fetch, Inc. (Petplan), Pets Best Insurance Services, PetFirst Healthcare, PetPartners, Inc. (AKC), Embrace Pet Insurance, Trupanion, Figo Pet Insurance LLC, and Healthy Paws Pet Insurance, LLC.

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