Healthy Paws vs Nationwide: Which Is More Dependable?

This content was reviewed by our licensed insurance agent, Michelle Schenker.

To keep the lights on, we receive affiliate commissions via some of our links. Our review process.

Two dogs looking at each other (caption: Healthy Paws vs Nationwide)

Healthy Paws and Nationwide are two big dogs in the pet industry space. However, their business models, the customer experience, and the cost are entirely different.

Both companies offer thorough coverage, but there’s a big difference in their reputations, claim repayment time frame, and price. We explain why we rank one company much better than the other below.

Visit Healthy Paws’ Website | Visit Nationwide’s Website

Healthy PawsNationwide
Policy CoverageMore LimitedMore Limited
Customer Service & ReputationExcellent, StableGood
Claim Processing Average2 Days4 Days
Price Of PolicyVariesLower On Average
Plan CustomizationsRestricted OptionsRestricted Options
Overall WinnerBrown checkmark (Yes)Orange X (No or Not)
 Visit WebsiteVisit Website

Policy Coverage

Dog under covers (caption: Policy Coverage Winner)

The table below shows precisely what Healthy Paws and Nationwide cover. Both companies cover emergency care, surgery and hospitalization, specialized exams and specialty care, X-rays, blood tests, ultrasounds, cat scans, MRIs, rehabilitation, cancer, chronic conditions, euthanasia, hereditary conditions, congenital conditions, non-routine dental treatment, and prescription medications. Neither covers pre-existing conditions, cremation and burial costs, pregnancy and breeding, or unnecessary cosmetic procedures.

Healthy PawsNationwide
Ranking In Our Pet Insurance ComparisonFastest Claim ProcessingUnranked
Illness Waiting Period15 Days14 Days
Accident Waiting Period15 Days14 Days
Hip Dysplasia Waiting Period*12 Months14 Days
CCL Surgery Waiting Period15 Days12 Months
Behavioral TherapiesOrange X (No or Not)Brown checkmark (Yes)
Alternative/Holistic TherapyOrange X (No or Not)Brown checkmark (Yes)
Wellness Care For An Extra FeeOrange X (No or Not)Brown checkmark (Yes)
Exam FeesOrange X (No or Not)Brown checkmark (Yes)
UnderwriterWestchester Fire Insurance Company/ChubbNational Casualty Company & Veterinary Pet Insurance Company
A.M. Best RatingA++A+ (both companies)

*Healthy Paws only offers hip dysplasia coverage to dogs enrolled before the age of 6.

While at a glance, it may appear like Nationwide offers the best coverage, there are some things you’ll want to be aware of before making your decision. First of all, some of Nationwide’s pet insurance policies use a benefit schedule. This is different than any other pet insurance policy.

A benefit schedule outlines the maximum coverage amount you should expect to be reimbursed per incident when you make a claim. This is different from other pet insurance companies (like Healthy Paws), where the claim repayment calculation is based on your vet’s receipt, and thus, the amount you paid your vet vs a figure reflected in the benefits schedule that may not cover what you paid.

Another key deciding factor for you may be the age restrictions attached to Healthy Paws, which doesn’t enroll pets older than 14 years old. Additionally, Healthy Paws will not enroll pets older than four years old in New York state. And if you choose to enroll your pet with Healthy Paws after their sixth birthday, you’ll notice plan customization restrictions and exclusions for hip dysplasia coverage.

One thing Nationwide has going for it is that it doesn’t list any bilateral exclusions for CCL injuries. Many other pet insurance companies we review exclude CCL injuries if one leg has experienced pre-existing issues. This makes Nationwide a good option for those of you who have dogs with pre-existing knee conditions because they’re more likely to cover a second, currently healthy knee than their competitors. However, it’s always important to read your contract carefully because the sample policies we’ve examined may be different from yours.

Healthy Paws & Nationwide logos

Overall, it’s hard to choose a winner here because each person’s needs vary, so we’ve declared this one a tie.

Policy Coverage Winner: Healthy Paws & Nationwide (Tie)

Customer Service & Reputation

Person holding phone next to dog: Customer Service & Reputation Winner

Healthy Paws has one of the best reputations in the pet insurance industry. The majority of Healthy Paws customer complaints are from customers who, unfortunately, didn’t read or understand their policy (a common customer complaint about all pet insurance providers).

This is why we feel it is crucial to explain all the pet insurance details so pet parents fully understand what is and isn’t covered. We also focus on explaining the policies in layman terms, making it easy to comprehend and feel confident about what you are getting before you buy.

Unfortunately, finding negative reviews for Nationwide isn’t too tricky. However, it’s more common for people to post poor reviews since they’re upset instead of positive reviews when they’re happy, especially with such a large customer base. According to feedback from our readers, consumer complaints about Nationwide include its benefit schedule not having enough coverage, not paying out claims, low claim reimbursements, being told false information about coverage, high premiums, and more.

In the end, Healthy Paws has a better, longer-standing reputation, which is why it wins this category.

Healthy Paws logo with tagline

Customer Service & Reputation Winner: Healthy Paws

Claim Processing

Doctor's office papers: Timeliness Of Claim Repayment

Healthy Paws pays most of its claims within two days — among the fastest of all the companies we review.

Nationwide allows 30 days to process its claims but averages four days. A four-day claim process is still among the fastest in the industry. However, it’s not quite as efficient as Healthy Paws.

Healthy Paws logo with tagline

Claim Processing Winner: Healthy Paws

Price Of Policy

Dog laying next to money: (text in image: pricing winner)

Healthy Paws offers one plan with an unlimited annual payout and a $25 enrollment fee. Meanwhile, Nationwide has four different plans, but not all are available for each dog. The quote below for the Lab is for its Whole Pet Plan, and the mixed breed quote is for the benefit schedule, which means there’s a maximum amount that you can have covered per incident. Nationwide has no enrollment fee but charges a $2 transaction fee which can add up over time.

Below are some quotes from January 2022.

 BreedBirthdayGenderLocationDeductibleReimbursement %Annual PayoutPrice Per Month
Healthy PawsLabrador RetrieverApril 2017FemaleCalifornia (90024)$25080%Unlimited$100.81
NationwideLabrador RetrieverApril 2017FemaleCalifornia (90024)$25070%$10,000$65.61
Healthy Paws40 lb Mixed BreedJanuary 2015FemaleIllinois (60604)$50070%Unlimited$56.54
Nationwide40 lb Mixed BreedJanuary 2015FemaleNew York (10012)$250N/ADefined per condition$78.31
Healthy Paws & Nationwide logos

It’s hard to compare apples-to-apples with these two companies because Healthy Paws offers limited customizations, and Nationwide uses a benefit schedule for some of its policies. However, Nationwide is often less expensive than Healthy Paws, but not for comparable plans. We always recommend you get quotes from multiple companies.

Price Of Policy Winner: Healthy Paws & Nationwide (Tie)

Coupons

Healthy Paws

Use this link to take advantage of the best possible price and get a quote for your pet from Healthy Paws. You can also visit our dedicated Healthy Paws promotions page to learn more.

Nationwide

Nationwide Pet Insurance offers the following discounts: 

  • 5% off for 2-3 pets covered
  • 10% off for 4 or more pets covered

No promo code is needed. Use this link to take advantage of the best possible price.

Plan Customization

Several types of dogs sitting together (Caption: Plan Customization)

Nationwide offers four different plan options: Whole Pet, Whole Pet With Wellness, Major Medical, and Major Medical With Wellness. Each has a set $250 deductible. With their Whole Pet plan, you can choose 50% or 70% reimbursement options, and the payouts are unlimited.

However, Nationwide’s Major Medical plans differ significantly from the competition because they use a benefit schedule for any given condition or treatment. It outlines the maximum reimbursement amount you can expect, regardless of how much your vet charges you.

Healthy Paws has unlimited payouts on all plans, but there are some restrictions on reimbursement and annual deductible amounts, depending on your pet’s age at enrollment. Additionally, Healthy Paws doesn’t enroll pets older than 14 years old.

  • Dogs and cats 5 years and under:
    • 90%, 80%, and 70% reimbursement
    • $100, $250, and $500 deductible
  • Dogs and cats 6 and 7 years old:
    • 80%, 70%, or 60% reimbursement
    • $250, $500, or $750 deductible
  • Dogs 8 years and older: 
    • 50% or 60% reimbursement
    • $750 or $1,000 deductible

Although Healthy Paws has many restrictions, its plans are still more customizable than Healthy Paws, which is why it’s the winner for this category.

Healthy Paws logo with tagline

Plan Customization Winner: Healthy Paws

What’s The Verdict?

Healthy Paws is the clear winner in this comparison against Nationwide. With its outstanding customer service and reputation, fast claim processing, and more customizable plans, it’s hard to beat Healthy Paws. However, if your dog has pre-existing conditions, Nationwide may be a better option for you. This is especially possible if your pet has a condition that can affect both sides of the body but has only presented itself on one side at the time of enrollment.

If you didn’t find what you were looking for in this comparison, our experts have gone in-depth with individual reviews of Healthy Paws and Nationwide.

Healthy Paws logo with tagline

Overall Winner: Healthy Paws

Our experts have spent hundreds of hours researching to bring you our comprehensive pet insurance reviews, including our top picks as well as details of the most popular pet insurance companies.

If you prefer to see winners by category, we award the best price, multiple pets, 100% reimbursement, unlimited payouts, and “best for” categories, including puppies, older dogs, dental, wellness coverage, bilateral conditions, behavioral therapy, and more in our best pet insurance comparison. You’ll even see winners for exotic pets and cats.

Tagged With:

Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

Subscribe
Notify of
0 Comments
Inline Feedbacks
View all comments