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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
$79.65
Wellness included in plan
N/A
$81.65

(Including $2.00 monthly transaction fee)

$100 annual
10%
ASPCA
Complete Coverage
$88.64
Prime Preventive Care: $24.95
N/A
$115.59

(Including $2.00 monthly transaction fee)

$100 annual
10%
PetPlan
PetPlan
$88.29
Not offered
N/A
$88.29

(Including 5% online discount)

$250 annual
10%
Pets Best
Elite Option
$74.59
BestWellness: $26.00
N/A
$95.13

(Including $2.00 monthly transaction fee and 10% online discount)

$100 annual
10%
PetFirst
Lifetime 10,000
$99.95
Routine Care 400: $26
N/A
$121.95
$100 per incident
10%
AKC
Companion Plus
$71.92
DefenderPlus: $26.00
$28.00
$125.92
$100 annual
20%
Embrace
Embrace Plan ($15K annual max)
$116.30
$49.42
$17.44
$183.16
$200 annual
10%
Trupanion
Trupanion Plan
$116.65
Not offered
$19.98
$136.63
$1050 per lifetime condition
10%
Healthy Paws
Healthy Paws Plan
$76.71
Not offered
N/A
$76.71
$100 annual
10%
24PetWatch
Champion
$95.21
Wellness Care Advanced: $25.00
N/A
$122.71
$100 annual
20%
Figo
Ultimate
$135.71
Not offered
$27.21
$162.92
$100 annual
10%
4Paws Insurance
4Paws
$75.86
Wellness 500: $24.95
N/A
$100.81
$100 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
No
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
No
Yes
Yes
No
No
Yes
Yes
Limited
Yes
No
Yes
No
No
Yes
Yes
Yes
No
Yes
No
Yes
Yes
No
Yes
Yes
Yes
No
Yes
Limited
Yes
No
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
No
Yes
Yes
Yes
Yes
Yes
Yes

compare pet insurance

Check up to two companies to compare with Nationwide:

  • ASPCA
  • PetPlan
  • Pets Best
  • PetFirst
  • AKC
  • Embrace
  • Trupanion
  • Healthy Paws
  • 24PetWatch
  • Figo
  • 4Paws

Coverage and pricing

Feature Nationwide ASPCA Petplan Pets Best PetFirst AKC

(Pet Partners, Inc.)

Embrace Trupanion Healthy Paws 24PetWatch Figo 4Paws
Plan name Whole Pet with Wellness Complete Coverage PetPlan Elite Option Lifetime 10,000 Companion Plus

($8,000 per incident max; $15,000 annual max)

Embrace Plan

($15K annual max)

Trupanion Plan Healthy Paws Plan Champion Ultimate 4Paws
Base monthly premium $79.65 $88.64 $88.29 $74.59 $95.95 $71.92 $116.30 $116.65 $76.71 $95.21 $135.71 $75.86
Wellness rider premium Wellness included on plan Prime Preventive Care: $24.95 Not offered BestWellness: $26.00 Routine Care 400: $26.00 DefenderPlus: $26.00 Wellness Rewards $650 (not an insurance policy): $49.42 Not offered Not offered Wellness Care Advanced: $25.00 Not offered Wellness 500: $24.95
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:
$9.42

InheritedPlus:
$18.58
Optional Rx Coverage: $17.44 Recovery and Complementary Care Rider: $15.03
Pet Owners Assistance Package: $4.95
N/A N/A Veterniary Exam Fees for Accidents and Illness Visits: $27.21 N/A
Total monthly premium

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

$81.65

(including $2.00 monthly transaction fee)

$115.59

(including $2.00 monthly transaction fee)

$88.29

(including 5% online discount)

$95.13

(including $2.00 monthly transaction fee and 10% online discount)

$121.95 $125.92 $183.16 $136.63 $76.71 $122.71 $162.92 $100.81
Deductible $100 annual $100 Annual $250 annual

(lowest option available)

$100 annual $100 per incident $100 annual $200 annual

(lowest option available)

$100 per lifetime condition $100 annual $100 annual $100 annual $100 annual
Co-pay 10% 10% 10% 10% 10% 20% 10% 10% 10% 20% 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 24PetWatch Figo 4Paws
Pancreatitis

Bill amount $1,070.63

Paid $873.57 Paid $873.57 Paid $712.92 Paid $847.92 Paid $847.92 Paid $753.70 Paid $757.92 Paid $804.94 Paid $847.92 Paid $753.70 Paid $847.92 Paid $847.92
Lacerations

Bill amount $321.13

Paid $289.02 Paid $289.02 Paid $289.02 Paid $289.02 Paid $199.02 Paid $256.90 Paid $289.02 Paid $142.77 Paid $289.02 Paid $256.90 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 $132.83 Paid $198.07 Paid $222.83 Paid $75.23 Paid $222.83 Paid $198.07 Paid $222.83 Paid $222.83
Wellness/Routine Care

Bill amount $927.50

Paid $832.28 Paid $361.00 Paid $0.00 Paid $364.75 Paid $303.00 Paid $364.75 Paid $650.00 Paid $0.00 Paid $0.00 Paid $195.00 Paid $0.00 Paid $356.00

Key plan details

Feature Nationwide ASPCA PetPlan Pets Best PetFirst AKC Embrace Trupanion HealthyPaws 24PetWatch Figo 4Paws
Use any veterinarian, emergency clinic or specialist Yes 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. Yes
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 Purchase of Wellness rider required for coverage.
Accidents and illnesses, including hospitalizations and surgeries Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Chronic and ongoing diseases (example: allergies) Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Cancer Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Dental surgeries and diseases Yes Yes Yes Limited Limited Limited Limited Limited No No Yes Yes
Prescription medications Yes Yes Yes Yes Yes Yes Purchase of Rx Drug Coverage rider required for coverage. 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 2010 from San Diego, Calif., and 2) the latest policy terms and conditions available on the pet insurance providers' websites as of March 30, 2018.

Pet insurance comparison data is provided using available information through March 30, 2018 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, Healthy Paws Pet Insurance, LLC, and 4Paws Pet Insurance.

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, Healthy Paws Pet Insurance, LLC, and 4Paws Pet Insurance.

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.