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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
$90.95
Wellness included in plan
N/A
$92.95

(Including $2.00 monthly transaction fee)

$250 annual
10%
ASPCA
Complete Coverage
$82.04
Prime Preventive Care: $24.95
N/A
$108.99

(Including $2.00 monthly transaction fee)

$250 Annual
10%
PetPlan
PetPlan
$109.88
Not offered
N/A
$109.88
$250 annual
10%
Pets Best
Elite Option
$63.44
BestWellness: $26.00
N/A
$91.44

(Including $2.00 monthly transaction fee)

$250 annual
10%
PetFirst
Annual 10,000
$69.85
Routine Care 575: $25.70
N/A
$95.55 (including $2.00 monthly transaction fee)
$250 per lifetime condition
10%
AKC
Companion Plus
$67.52
DefenderPlus: $25.00
$17.65
$113.17 (including $3.00 monthly transaction fee)
$250 annual
10%
Embrace
Embrace Plan ($30K annual max)
$94.39
$52.09
N/A
$148.48 (including $1.00 monthly transaction fee plus $25 enrollment fee)
$200 annual (lowest option available)
10%
Trupanion
Trupanion Plan
$126.68
Not offered
$21.35
$148.03 (plus $35 enrollment fee)
$250 per lifetime condition
10%
Healthy Paws
Healthy Paws Plan
$63.32
Not offered
N/A
$63.62
$250 annual
20%
24PetWatch
Champion
$80.36
Wellness Care Advanced: $25.00
N/A
$107.86 (including $2.50 monthly transaction fee)
$250 annual
20%
Figo
Ultimate
$59.72
Not offered
$12.26
$73.98 (including $2.00 monthly transaction fee)
$250 annual
10%
Key plan details
Use any veterinarian, emergency clinic or specialist
Exams
Wellness coverage
Accidents and illnesses, including hospitalizations and surgeries
Chronic and ongoing diseases (example: allergies)
Cancer
Dental surgeries and diseases
Prescription medications
Alternative/holistic therapy
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
No
Yes
Yes
Yes
Limited
Yes
No
Yes
Yes
No
Yes
Yes
Yes
Limited
Yes
Yes
Yes
No
No
Yes
Yes
Yes
Limited
Yes
No
Yes
Yes
No
Yes
Yes
Yes
Limited
Yes
No
Yes
No
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
No
No
Yes
Yes
Yes
No
Yes
No
Yes
Yes
No
Yes
Yes
Yes
No
Yes
Limited
Yes
No
No
Yes
Yes
Yes
No
Yes
No

compare pet insurance

Check up to two companies to compare with Nationwide:

  • ASPCA
  • PetPlan
  • Pets Best
  • PetFirst
  • AKC
  • Embrace
  • Trupanion
  • Healthy Paws
  • 24PetWatch
  • Figo

Coverage and pricing

Feature Nationwide ASPCA Petplan Pets Best PetFirst AKC

(Pet Partners, Inc.)

Embrace Trupanion Healthy Paws 24PetWatch Figo
Plan name Whole Pet with Wellness Complete Coverage PetPlan Elite Option Annual 10,000 Companion Plus Embrace Plan

($30K annual max)

Trupanion Plan Healthy Paws Plan Champion Ultimate
Base monthly premium $90.95 $82.04 $109.88 $63.44 $69.85 $67.52 $94.39 $126.68 $63.32 $80.36 $59.72
Wellness rider premium Wellness included in plan Prime Preventive Care: $24.95 Not offered BestWellness: $26.00 Routine Care 575: $25.70 DefenderPlus: $25.00 Wellness Rewards $650 (not an insurance policy): $52.09 Not offered Not offered Wellness Care Advanced: $25.00 Not offered
Additional rider premium(s)

For total coverage comparable to Nationwide Whole Pet with Wellness

N/A N/A N/A N/A N/A ExamCare: $9.63
HereditaryPlus: $6.02
SupportPlus: $2.00
N/A Recovery and Complementary Care Rider: $16.40
Pet Owners Assistance Package: $4.95
N/A N/A Veterniary Exam Fees for Accidents and Illness Visits: $10.55
Rehabilitation: $1.71
Total monthly premium

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

$92.95

(including $2.00 monthly transaction fee)

$108.99

(including $2.00 monthly transaction fee)

$109.88 $91.44

(including $2.00 monthly transaction fee)

$95.55

(including $2.00 monthly transaction fee)

$113.17 (including $3.00 monthly transaction fee) $148.48

(including $1.00 monthly transaction fee) (plus $25 enrollment fee)

$148.03

(plus $35 enrollment fee)

$63.62 $107.86

(including $2.50 monthly transaction fee)

$73.98

(including $2.00 monthly transaction fee)

Deductible $250 annual $250 annual $250 annual $250 annual $250 per lifetime condition $250 annual $200 annual

(lowest option available)

$250 per lifetime condition $250 annual $250 annual $250 annual
Co-pay 10% 10% 10% 10% 10% 10% 10% 10% 20% 20% 10%

Sample reimbursements

Four events as shown by four claims examples.

Feature Nationwide ASPCA Petplan Pets Best PetFirst AKC Embrace Trupanion Healthy Paws 24PetWatch Figo
Pancreatitis

Bill amount $907.88

Paid $592.09 Paid $592.09 Paid $592.09 Paid $592.09 Paid $592.09 Paid $592.09 Paid $637.09 Paid $482.74 Paid $482.74 Paid $526.30 Paid $592.09
Lacerations

Bill amount $363.27

Paid $325.50 Paid $325.50 Paid $325.50 Paid $325.50 Paid $100.50 Paid $325.50 Paid $325.50 Paid $47.40 Paid $272.40 Paid $289.34 Paid $325.50
Ear infection

Bill amount $193.62

Paid $174.26 Paid $174.26 Paid $174.26 Paid $174.26 Paid $0.00 Paid $174.26 Paid $174.26 Paid $0.00 Paid $102.53 Paid $154.90 Paid $174.26
Wellness/Routine Care

Bill amount $800.48

Paid $719.31 Paid $275.00 Paid $0.00 Paid $247.54 Paid $504.43 Paid $247.54 Paid $650.00 Paid $0.00 Paid $0.00 Paid $185.00 Paid $0.00

Key plan details

Feature Nationwide ASPCA PetPlan Pets Best PetFirst AKC Embrace Trupanion HealthyPaws 24PetWatch Figo
Use any veterinarian, emergency clinic or specialist Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Exams Yes Yes Yes Yes Yes Purchase of Exam Care rider required for coverage. Yes No No Yes Purchase of Veterinary Exam Fees for Accident and Illness Visit rider required for coverage.
Wellness coverage Yes Purchase of Preventive Care Rider required for coverage. No Purchase of BestWellness rider required for coverage. Purchase of Routine Care rider required for coverage. Purchase of Wellness rider required for coverage. Purchase of Wellness Rewards required for coverage. No No Purchase of Wellness Care rider required for coverage. No
Accidents and illnesses, including hospitalizations and surgeries Yes Yes

There is a 14 day waiting period for: diagnosis, treatment or surgery related to illnesses and ligament and knee conditions. The waiting period begins on the first effective date of the applicable coverage.

Yes

There is a fifteen (15) day period beginning on the effective date of this policy during which we will not cover any injury, illness, behavioral disorder or any other coverage provided by this policy.

Yes

14 days following the Policy Effective Date for any Illnesses and any related Conditions. 3 days following the Policy Effective Date for any Injuries and any related Conditions. 6 months following the Policy Effective Date for any Cruciate Ligament Events and any related Conditions.

Yes

There is a 12 month wait period for the following conditions, but these issues are coverable once the pet has had an effective policy for more than 12 months and the issue isn’t pre-existing: Intervertebral Disc Disease (IVDD); Cruciate Ligaments- Anterior Cruciate Ligament (ACL), Medial Cruciate Ligament (MCL), Posterior Cruciate Ligament (PCL), Cranial Cruciate Ligament (CCL).

Yes

There is a fourteen (14) day Waiting Per pet before We will cover an Illness, except for IVDD (Intervertebral Disc Disease) where there is a 180-day Waiting Period. There is a two (2) day Waiting Period per Pet before We will cover an Accident, except for cruciate ligament related condition where there is a 180-day Waiting Period.

Yes

For this policy, the time period is two (2) days for Injuries and fourteen (14) days for Illnesses, except for Orthopedic conditions for dogs where the Waiting Period is six (6) months.

Yes

Illnesses that occur with 30 days and injuries that occur within 5 days following the Policy Enrollment Date are deemed pre-existing Conditions and not eligible for coverage.

Yes

Injury from an accident that occurs within the first fifteen (15) days following the pet policy effective date. Illness that occurs or recurs within the first fifteen (15) days following the pet policy effective date. Illness related to hip dysplasia that occurs or recurs within the first twelve (12) months following the pet policy effective date. Conditions or complications that result from accidents that occur or illnesses that develop or redevelop within the first fifteen (15) days following the pet policy effective date.

Yes

The Champion Level policy has a 14 day Waiting Period for Illness Conditions which is specific to the Coverage Level. A 2 (two) day waiting period for the Conditions listed below. Coverage for these Conditions begins on the 3rd (third) day of the Policy: Ear Illness; Eye Illness; Flea Allergy Dermatitis; Intestinal parasites; Upper Respiratory Infection; Urinary Tract Infection; Mange/Mites/Ringworm; Parvovirus/Feline Panleukopenia; Tick Born Diseases; Heartworm Disease.

Yes

There is a fourteen (14) day waiting period beginning after the effective date of the Policy during which we will not cover any Illness or Wellness Benefits. There is a three (3) day waiting period beginning after the effective date of the Policy during which we will not cover any Accidental Injury Benefits.

Chronic and ongoing diseases (example: allergies) Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Cancer Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Dental surgeries and diseases Yes Yes Yes Limited Limited Limited Limited Limited

Your Pet’s teeth must be Examined by a Veterinarian at least once every 12 months.
If for any reason Your Pet’s teeth have not been Examined by a Veterinarian within the 12 months prior to the Policy Enrollment Date, dental coverage starts from the date of Your Pet’s first dental Examination after the Policy Enrollment Date. In addition to all other terms and conditions, any Illnesses or Injuries found at such an Examination, or signs prior to such an Examination, will not be eligible for dental coverage.
You must follow Your Veterinarian’s advice about dental care and, if recommended, Your Pet must undergo Dental Prophylaxis performed by or under the direct supervision of a Veterinarian within the recommended timeframe. If Your Veterinarian does not provide a recommended timeframe, then the specified treatment must be completed within 3 months of the date of the recommendation.

No No No
Prescription medications Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
More Features to Compare
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Comparison and data compiled based on CA coverage features. 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 2019 and 2) the latest policy terms and conditions available on the pet insurance providers' websites as of December 27, 2019.

Pet insurance comparison data is provided using available public website information through December 27, 2019 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, or 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@nationwide.com.