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.
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Healthy Paws Pet Insurance
9.8 / 10 - Exellent
#1 in Pet Insurance
Our Partner
Nationwide Pet Insurance
8.4 / 10 - Exellent
#4 in Pet Insurance
Our Partner
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Key Facts
  • Consistently #1 in customer satisfaction, A+ BBB
  • Chosen by almost 90% of Consumers Advocate 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
  • Insurers most birds and exotic pets!
  • $250 annual deductible with Unlimited Claims
  • ​Covers congenital and hereditary conditions
ConsumersAdvocate.org Ratings
9.8 / 10 - Exellent
9/10
Coverage
10/10
Benefit Limits
10/10
Deductibles
10/10
Reimbursement Models
10/10
Claims and Service
10/10
Costs
10/10
Reviews
8.4 / 10 - Exellent
10/10
Coverage
10/10
Benefit Limits
10/10
Deductibles
10/10
Reimbursement Models
8/10
Claims and Service
8/10
Costs
3/10
Reviews
Customer Reviews
 (440)
9.4 / 10 - Exellent
93%
5 stars
1%
4 stars
1%
3 stars
1%
2 stars
3%
1 stars
 (101)
3.0 / 10 - Poor
15%
5 stars
2%
4 stars
2%
3 stars
9%
2 stars
72%
1 stars
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, Costs, and Reviews. However, Nationwide scores better on Coverage. Both companies score similarly on Benefit Limits, Deductibles, and Reimbursement Models.

Latest Reviews

J
[email protected]
1/21/2017
In December our cat required surgery to remove one of his kidneys which had cancer. It was a stressful time as multiple tests were required prior and his situation was grave. We had enrolled our cat about a year prior in Healthy Paws but had not filed a claim yet. When I contacted Healthy Paws they were compassionate and incredibly helpful. It's too bad they don't insure humans. Their response time for reimbursement was amazing as well. We began receiving checks in around one week! Healthy Paws Pet Insurance helped ease the financial burden of this event and allowed us to focus on our cat and getting him healthy again. It's now one month since that horrible day when we realized he was sick and he is doing great! Thank you so much Healthy Paws Pet Insurance!

Anna Andreyenko
Berkeley, California
1/21/2017
The best insurance. Great costumer service. They process claims so quick. We never had any issues. Our puppy spent 4 days in the hospital, after submitting claims, they check how was her recovery and how is she feeling now. They are great!!!!!

Natasha Hayes-Harhold
1/17/2017
I'm not sure why some people are so unhappy. We've had Nationwide since 2006. We have insured multiple dogs in that time and I have never had an issue. We did have to wait about 6 weeks or so for one complicated claim, but I was reimbursed beyond what I expected. We also had a dog die during a dental. I submitted everything and they actually combed through the policy to make sure we got as much as possible which ended up being more than expected. Obviously we would have preferred to have our dog back, but having most of the unexpected expenses (CPR, IV meds during attempts at resuscitation, etc) was helpful financially. I have a dog now that developed significant environmental allergies a bit later in life and we've had no issues with reimbursement on injection meds, daily allergy meds, and so forth. We have been very happy. They are, in my experience, vet up front with what the exclusions are. We have had no surprises. To date, we have insured 5 dogs with them.

M
Mary Constantine
Hamden, Connecticut
1/11/2017
I have found Nationwide Pet Insurance to be great. The claims are processed quickly and reimbursement checks are sent in a timely manner. The website is user friendly. It is easy to find pending claims and to access pre-filled claim forms. My veterinarian recommended Nationwide and I followed his advice with my new puppy It's fortunate I did as my puppy broke her leg in December, 2016 and the cost of the surgery was very high. Nationwide came through for me quickly. Anyone who has a pet should purchase insurance from Nationwide and I have highly recommended it to all my friends who have pets.

T
Tina A
Oakland, California
4/18/2015
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
Downers Grove, Illinois
2/7/2015
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
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
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.