Compare Nationwide vs. Petplan Pet Insurance

What’s the difference between Nationwide Pet Insurance and Petplan Pet Insurance? See how our editors compare the two companies below.
Last Updated: May 21, 2018
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Nationwide Pet Insurance
8.5 / 10 - Excellent
#4 in Pet Insurance
Petplan Pet Insurance
8.9 / 10 - Excellent
#2 in Pet Insurance
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Key Facts

  • 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
  • Comprehensive Coverage (includes vet exam fee!)
  • Flexible annual reimbursement up to Unlimited
  • Choose Annual Deductible from $100-$1,000
  • 24/7 Customer Service – top rated, always available
  • Use any veterinarian in the US or Canada
  • Fast, paperless claim reimbursement via Petplan App
  • 10% Online Discount & Free Barkbox Offer

OVERALL RATINGS

 NationwidePetplan
Coverage10/1010/10
Benefit Limits10/1010/10
Deductibles10/1010/10
Reimbursement10/1010/10
Claims and Service8/109/10
Pricing6/106/10
Enrollment6/108/10

What do their policies cover?

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

Medical Conditions Covered

Nationwide
vs
Petplan
  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental
  • Dental Illness
  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental
  • Dental Illness

Medical Treatments Covered

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

How do their benefit limits compare?

 NationwidePetplan
Benefit Limit Types
Unlimited
Annual
Unlimited

Reimbursement & Deductible Differences

 NationwidePetplan
Reimbursement Model
Actual Cost
Benefit Schedule
Actual Cost
Minimum Percent Reimbursement
90%
70%
Maximum Percent Reimbursement
90%
90%
 NationwidePetplan
Deductible Type
Annual
Annual
Minimum Deductible Offered
$100
$100
Maximum Deductible Offered
$500
$1,000

Cost Comparison

Starting Monthly Premiums

 NationwidePetplan
Dogs
$34.25
$29.16
Cats
$18.84
$18.19
Rate Details: Annual Deductible: $250, Benefits Cap: Annual & Unlimited, Reimbursement Model: Benefits Schedule
Rate Details: Annual Deductible: $1,000, Benefits Cap: $5,000, Reimbursement Model: 70% of Actual Cost
Available Discounts: 5% discount on current Nationwide member
Available Discounts: Wag-worthy 10% discount for veterinary professionals when they enrol online (5% veterinary professional discount + 5% online discount)

Compare Enrollment & Waiting Periods

 NationwidePetplan
Min Enrollment Age
6 weeks
6 weeks
Max Enrollment Age
10 years
Accident Waiting Period
14 days
Illnesses Waiting Period
14 days
15 days
Free Look Period
10 days
30 days

Claims & Service

 NationwidePetplan
Advertised Response Time
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Claim Form
Mail
Email
Fax
Mail
Email
Fax
Online Portal
Mobile App

Contact & Additional Information

 NationwidePetplan
Homepage URL
Headquarters Address
One Nationwide Plaza, Columbus, OH, 43215
3805 West Chester Pike, Suite 240, Newton Square, PA, 19073
Mailing Address
P.O. Box 2344, Brea, CA, 92822
3805 West Chester Pike, Suite 240, Newton Square, PA, 19073
Year Founded
1981
2003

Final Verdict

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


Customer Comments & Reviews

M
Mary H
Chicago, Illinois

4/16/2018
Petplan Pet Insurance review
I have gone through the ringer with you! I have to WORK a full time job with you to get service Promised. Claims are lost! Inability to read claims! A timely return on cash put out! Shameful! This company is full of regret! Apologies etc. etc.


C
Callie
Atlanta, Georgia

4/13/2018
Petplan Pet Insurance review
We have had an excellent experience with Petplan! Our wheaten poodle mix has had several stomach and allergy issues since we adopted him and I don't know what we would have done without Petplan! My only advice would be to check into the policy and plan for when the coverage actually begins. We didn't realize there was a waiting period once we signed up for treatment coverage and had to pay more from the onset of our policy than we anticipated.


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.


D
David K
Chapel Hill, North Carolina

3/23/2015
Petplan Pet Insurance review
fast friendly. had no issues with getting doctor paid by PetPlan for several claims. one was about $4000. I only had to pay $200.


N
Natasha E
Pasadena, California

3/13/2015
Petplan Pet Insurance review
I've had PetPlan for years, I think around 8 years now and I cannot be happier with their coverage, speed of processing claims and the amounts that they cover and reimburse. They do not split hairs, and I never had a question or a doubt that they were not being fair in their reimbursements. I've had three cats covered through them, out of which one had to be put down due to acute renal failure and it cost in the ER hospital fees in thousands of $ (LA, CA). They paid me back everything, minus the deductible and up to 80% for the ER/specialty care. Then I adopted my second cat, who is still rather young, but he just had a second bout of pancreatitis in his short 5 years of live. He barely survived and the bill again was in thousands of $$$ for having to rush him in between an ER and ER Specialty hospital. PetPlan again covered a fair deal and sent me a check within 10 days. No questions asked. Fair coverage, happy customer and my cat pulled through, thankfully to this great insurance and even more so to the staff of the two hospitals that took a good care of him. Thank you PetPlan!


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.