Taking care of your furry friends is important, and picking the right pet insurance is a big decision. With so many choices out there, it can feel confusing to find the best one for your pet. In this article, we’ll look at two popular pet insurance companies: Healthy Paws Pet Insurance and Nationwide Pet Insurance. Whether you have a playful dog or a curious cat, this guide will help you choose the right option.
What We’ll Cover:
- Ratings and Customer Feedback
- Pros and Cons
- Maximum Enrollment Age
- Money-Back Guarantee
- Coverage and Exclusions
- Rates and Affordability
- Restrictions and Waiting Periods
- Pet Insurance Plan Options
- Which Pet Insurance Is Best for You?
Best Pet Insurance for You?
Choosing between Healthy Paws and Nationwide depends on your priorities and your pet’s needs.
Choose Healthy Paws if:
- You want unlimited coverage with no annual or lifetime payout limits.
- You prefer a straightforward, affordable plan without add-ons.
- Fast claims processing is important to you.
Choose Nationwide if:
- You want the option of wellness care and routine care coverage (available as an add-on).
- You have an exotic pet and need specialized coverage.
- You’re looking for customizable annual coverage limits or multi-pet discounts.
Ratings and Customer Feedback
Before diving into specifics, let’s look at the customer reviews for both companies.
- Healthy Paws: Healthy Paws has consistently positive customer reviews, with a rating of 4.6/5 on Trustpilot. Customers appreciate their quick claims processing and solid customer service.
- Nationwide: Nationwide has a slightly lower rating, 4.4/5 on Trustpilot, with customers praising the breadth of coverage, especially for exotic pets. Some complaints focus on premium increases over time.
Key Features Comparison Table: Healthy Paws vs. Nationwide
| Feature | Healthy Paws Pet Insurance | Nationwide Pet Insurance |
|---|---|---|
| Monthly Premium (Dogs) | Starting at $30 | Starting at $40 |
| Monthly Premium (Cats) | Starting at $20 | Starting at $30 |
| Deductible | $100 to $750 | $100 to $500 |
| Reimbursement Percentage | 70%, 80%, or 90% | 70%, 90%, or 100% |
| Annual Coverage Limit | Unlimited | $10,000 to $100,000 (customizable) |
| Waiting Period (Accidents) | 15 days | 2 days |
| Waiting Period (Illnesses) | 15 days | 14 days |
| Waiting Period (Special Conditions) | 12 months for hip dysplasia (under 6 years) | 12 months for orthopedic issues (e.g., cruciate ligament) |
| Enrollment Age Limit | Up to 14 years | No age limit |
| Additional Features | No routine care coverage | Routine care coverage available with add-on |
| Wellness Care Add-On | Not available | Available (as add-on) |
| Pre-Existing Condition Coverage | Not covered | Not covered |
| Multi-Pet Discount | No | Yes |
| Total Reviews | 4.6/5 (Trustpilot) | 4.4/5 (Trustpilot) |
| Emergency Care | Covered | Covered |
| Accidents | Covered | Covered |
| Illnesses | Covered | Covered |
| Cancer Coverage | Covered | Covered |
| Orthopedic Issues | Covered (with restrictions) | Covered (with restrictions) |
Pros of Healthy Paws Pet Insurance & Nationwide Pet Insurance
| Feature | Healthy Paws Pet Insurance | Nationwide Pet Insurance |
| Pros | ||
| Coverage | Unlimited annual and lifetime coverage. | Customizable coverage options, including for exotic pets. |
| Claims Processing | Fast claims processing, usually reimbursed in a few days. | Claims can be processed through an easy app interface. |
| Simplicity | Simple, straightforward plans without add-ons. | Flexible plans, including wellness care coverage. |
| Affordability | Affordable premiums with no increase at renewal. | Competitive pricing, especially for basic coverage. |
| Emergency Care | Covered with no waiting period. | Covered, but with waiting periods for certain conditions. |
| Reimbursement Options | Offers reimbursement options of 70%, 80%, or 90%. | Offers reimbursement options of 70%, 80%, or 100%. |
| Multi-Pet Discount | No multi-pet discount. | Offers multi-pet discounts. |
Cons of Healthy Paws vs. Nationwide Pet Insurance
| Feature | Healthy Paws Pet Insurance | Nationwide Pet Insurance |
|---|---|---|
| Add-Ons | No wellness care or routine care coverage. | Wellness care and other add-ons may increase the premium. |
| Pre-Existing Conditions | Does not cover pre-existing conditions. | Does not cover pre-existing conditions. |
| Orthopedic Restrictions | 12-month waiting period for hip dysplasia in pets under 6 years. | Waiting periods for certain conditions may apply. |
| Limited Customization | Limited plan options (no wellness or routine care). | Plans can become complex due to optional add-ons. |
| Multi-Pet Discounts | No multi-pet discount. | Offers multi-pet discounts. |
Money-Back Guarantee :-
Both Healthy Paws and Nationwide offer a 30-day money-back guarantee. If you’re not satisfied with your policy and haven’t filed any claims, you can cancel within 30 days for a full refund, giving you peace of mind to try out the coverage.
Compare Pet Insurance Companies :-
- Healthy Paws vs. Embrace
- Healthy Paws vs. FIGO
- Healthy Paws vs. Nationwide
- Healthy Paws vs. Aspca
- Healthy Paws vs. Trupanion
- Healthy Paws vs. Lemonade
Pricing Plan for Dogs – Healthy Paws vs. Nationwide
For the most accurate pricing, it’s best to request a personalized quote directly from Healthy Paws & Nationwide
| Breed | Healthy Paws Pricing | Healthy Paws Coverage | Nationwide Pricing | Nationwide Coverage |
|---|---|---|---|---|
| Small Breeds (e.g., Dachshunds) | $30/month | Accidents, Illnesses, Surgery, Cancer, Orthopedic Issues (with restrictions) | $35/month | Accidents, Illnesses, Surgery, Cancer, Wellness Care |
| Medium Breeds (e.g., Beagles) | $35/month | Accidents, Illnesses, Surgery, Cancer, Orthopedic Issues (with restrictions) | $40/month | Accidents, Illnesses, Surgery, Cancer, Wellness Care |
| Large Breeds (e.g., Retrievers) | $45/month | Accidents, Illnesses, Surgery, Cancer, Orthopedic Issues (with restrictions) | $50/month | Accidents, Illnesses, Surgery, Cancer, Wellness Care |
| Giant Breeds (e.g., Great Danes) | $60/month | Accidents, Illnesses, Surgery, Cancer, Orthopedic Issues (with restrictions) | $70/month | Accidents, Illnesses, Surgery, Cancer, Wellness Care |
Pricing can vary based on the breed, age, and location of your pet. Here’s an estimate of premiums for different dog breeds
Pricing Plan for Cats – Healthy Paws vs. Nationwide
For the most accurate pricing, it’s best to request a personalized quote directly from Healthy Paws & Nationwide
| Breed | Healthy Paws Pricing | Healthy Paws Coverage | Nationwide Pricing | Nationwide Coverage |
|---|---|---|---|---|
| Domestic Shorthair | $20/month | Accidents, Illnesses, Surgery, Cancer, Orthopedic Issues (with restrictions) | $25/month | Accidents, Illnesses, Surgery, Cancer, Wellness Care |
| Siamese | $25/month | Accidents, Illnesses, Surgery, Cancer, Orthopedic Issues (with restrictions) | $30/month | Accidents, Illnesses, Surgery, Cancer, Wellness Care |
| Maine Coon | $35/month | Accidents, Illnesses, Surgery, Cancer, Orthopedic Issues (with restrictions) | $40/month | Accidents, Illnesses, Surgery, Cancer, Wellness Care |
| Persian | $30/month | Accidents, Illnesses, Surgery, Cancer, Orthopedic Issues (with restrictions) | $35/month | Accidents, Illnesses, Surgery, Cancer, Wellness Care |
Conclusion
Both Healthy Paws and Nationwide offer solid pet insurance options, but they cater to different needs. Healthy Paws excels in offering unlimited coverage and simple, straightforward plans. Nationwide, on the other hand, shines with its customizable plans, wellness care options, and multi-pet discounts.
Ultimately, the best choice for you will depend on your pet’s health needs, your budget, and what additional features you require. Whether you choose Healthy Paws or Nationwide, rest assured that both providers offer excellent protection for your furry friend.