Compare Healthy Paws vs. Nationwide Pet Insurance

What’s the difference between Healthy Paws Pet Insurance and Nationwide Pet Insurance? See how our editors compare the two companies below.
Last Updated: June 22, 2018
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Healthy Paws Pet Insurance
9.8 / 10 - Excellent
#1 in Pet Insurance
Nationwide Pet Insurance
8.5 / 10 - Excellent
#4 in Pet Insurance
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Key Facts

  • Consistently #1 in customer satisfaction, A+ BBB
  • Chosen by almost 90% of ConsumersAdvocate.org visitors
  • Comprehensive illness and accident coverage
  • Unlimited lifetime benefits + no claim caps!
  • Annual deductible (recommended)
  • Free mobile app & no claims forms
  • First and largest pet insurer in the US
  • Whole Pet & Wellness Plan covers spay/neuter
  • 24/7 vethelpline access
  • Discounts available on home and auto
  • Insurers most birds and exotic pets!
  • $250 annual deductible with Unlimited Claims
  • ​Covers congenital and hereditary conditions

OVERALL RATINGS

 Healthy PawsNationwide
Coverage9/1010/10
Benefit Limits10/1010/10
Deductibles10/1010/10
Reimbursement10/1010/10
Claims and Service10/108/10
Pricing10/106/10
Enrollment10/106/10

What do their policies cover?

 Healthy PawsNationwide
Pets Covered
Dogs
Cats
Dogs
Cats
Birds
Exotic Animals
Coverage Types
Medical
Medical
Wellness
Vet Selection
Unrestricted
Unrestricted
Out-of-State Coverage
Commercial Pets Covered

Medical Conditions Covered

Healthy Paws
vs
Nationwide
  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental
  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental
  • Dental Illness

Medical Treatments Covered

Healthy Paws
vs
Nationwide
  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care
  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care
  • Behavioral Therapy

How do their benefit limits compare?

 Healthy PawsNationwide
Benefit Limit Types
Unlimited
Unlimited

Reimbursement & Deductible Differences

 Healthy PawsNationwide
Reimbursement Model
Actual Cost
Actual Cost
Benefit Schedule
Minimum Percent Reimbursement
70%
90%
Maximum Percent Reimbursement
90%
90%
 Healthy PawsNationwide
Deductible Type
Annual
Annual
Minimum Deductible Offered
$100
$100
Maximum Deductible Offered
$500
$500

Cost Comparison

Starting Monthly Premiums

 Healthy PawsNationwide
Dogs
$32.83
$34.25
Cats
$17.19
$18.84
Rate Details: Annual Deductible: $500, Benefit Cap: Annual & Unlimited, Reimbursement Model: 70% of Annual Cost
Rate Details: Annual Deductible: $250, Benefits Cap: Annual & Unlimited, Reimbursement Model: Benefits Schedule
Available Discounts: 10% Lifetime Discount for Animal Welfare Volunteers, 10% Lifetime Discount for Association or Alumni Organizations, 10% Lifetime Discount for Membership Groups such as AAA, AARP, and Costco, 15% Lifetime Discount for Employer Sponsored Plans, 10% Lifetime Discount for Military Service
Available Discounts: 5% discount on current Nationwide member

Compare Enrollment & Waiting Periods

 Healthy PawsNationwide
Min Enrollment Age
8 weeks
6 weeks
Max Enrollment Age
13 years
10 years
Accident Waiting Period
15 days
14 days
Illnesses Waiting Period
15 days
14 days
Free Look Period
30 days
10 days

Claims & Service

 Healthy PawsNationwide
Advertised Response Time
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#<Db::CompanyValue:0x007f8b674b9c00>
Claim Form
Email
Fax
Online Portal
Mobile App
Mail
Email
Fax

Contact & Additional Information

 Healthy PawsNationwide
Homepage URL
Headquarters Address
1229 120th Ave NE Ste C, Bellevue, WA, 98105
One Nationwide Plaza, Columbus, OH, 43215
Mailing Address
P.O. Box 50034, Bellevue, WA, 98105
P.O. Box 2344, Brea, CA, 92822
Year Founded
2009
1981

Final Verdict

Healthy Paws Pet Insurance has a higher overall rating than Nationwide Pet Insurance. Healthy Paws scores better than Nationwide across: Claims and Service, Pricing, Reviews, and Enrollment. However, Nationwide scores better on Coverage. Both companies score similarly on Benefit Limits, Deductibles, and Reimbursement.


Customer Comments & Reviews

Susan P
Los Angeles, California

6/22/2018
Healthy Paws Pet Insurance review
After 6 dogs in our family over the last 30 years we decided on our newest pup, Ellie, a golden retriever, to research and purchase pet insurance. I must say I looked into approx. 8 different companies and compared... Healthy Paws was my ultimate choice and I am so glad I chose them. At approx. 4 months our pup had a bowel obstruction that required hospitalization and the price was equal to any human hospital stay. Healthy Paws was easy to submit a claim, they contacted me at the time of receipt of my paperwork and within 10 days I have a check for 80% of my covered expenses. They were outstanding from start to finish. They even sent me a very sweet note checking on the health of my pup and asking me to give her a hug from them!


Joyce T
Ashburn, Virginia

6/21/2018
Healthy Paws Pet Insurance review
Henry tore his CCL and Meniscus. The surgery was $3,700. Healthy Paws covered $3,300. With this peace of mind in your pocket, you can concentrate on getting the best care for your pet. They even checked in to see how he was doing. Love this company. You will too.


Randeep S
Irvine, California

2/28/2018
Nationwide Pet Insurance review
I joined Nationwide as of July 2017 based on the nationwide brand. I have submitted my first ever claims for my pet Sully and it's taken them over 2 months to get all sort of medical history for a Viral bump that needed surgical removal. The customer care is a hit or miss with ranging from polite to rude and defensive depending on who you get. Unnecessary documentation and medical history which should be asked for during enrollment isn't off course to facilitate the revenues coming in but the customer is made to jump through hoops to get the claims paid. I wouldn't recommend them.


John G
Denville, New Jersey

2/21/2018
Nationwide Pet Insurance review
Bluebell is feeling much better & Thanks to this company there was minimal out of pocket expense. Getting my bluebell's coverage through Nationwide was the best decision I have ever made.


T
Tina A
San Francisco, California

4/17/2015
Nationwide Pet Insurance review
I have had my insurance for a couple of years for my dog. I was thinking of canceling it because I didn't use it. Luckily, I didn't, my dog was recently diagnosed with Diabetes and the cost were huge. I turned my claim into VPI and they paid all but $250.00 of it. Wow!! Not only that but, I was paid with each claim in less than 14 days. Very convenient you can follow your claim on thier website. Thank you VPI. It was worth every penny I paid into it.


C
CJ M
Chicago Heights, Illinois

2/7/2015
Healthy Paws Pet Insurance review
Regarding the online quoting system + let me include multiple pets on same quote - can't figure out how to pay an annual amount rather than monthly - they add $25 to the first payment for account set up =deal breaker


L
Lori S
Austin, Texas

1/17/2015
Healthy Paws Pet Insurance review
I've not actually had my pets covered under this insurer, but they are among the ones I obtained quotes from while shopping around. I have 2 cats; a 4 yr old male & a 12 yr old female. The female is actually in better health than the male, with his frequent UTIs, however because she is over 8 yrs old the best plan they will give me is a $500 deductible & 70% reimbursement, with various limitations. And at the same rate as the comprehensive plan for my male, which has a $100 deductible & reimburses at 90%.


J
Jean H
Raleigh, North Carolina

1/6/2015
Nationwide Pet Insurance review
I think your review is really unfair to VPI. I had VPI when I owned a very ill great dane and they paid out more than they would have recouped if the dog had lived 10 years. I currently have Pet Plan because of all the GLOWING reviews that I had read and am on the verge of dropping them because I'm paying more for their coverage than I did with VPI and they have NEVER paid out a SINGLE DIME! Not even for an animal attack. With Pet Plan, you are banking on your dog getting some hereditary illness later in life that will be costly, but the day to day costs of owning a pet? Forget it. I'm going back to VPI.