Trupanion and Nationwide aren’t among our most recommended pet insurance providers, but there are instances where we think they may be better options for your pet. We explain their coverage, price, reputation, and the scenarios when we think you may want to consider one of them over our top picks.
Licensed Insurance Professional – Reviewed & Validated
Our licensed insurance professional, Michelle Schenker, has reviewed all content and its supporting research, including each company’s policy, customer feedback, underwriters, and more.
TRUPANION FLORIDA RESIDENTS: The plan reviewed here is not available for new customers in Florida. Contact Trupanion to learn more about what is available in your state and read the policy carefully for details.
The table below shows specifically what Trupanion and Nationwide cover. Both companies cover blood tests, MRIs, rehabilitation, surgery, hospitalization, emergency care, specialty care, non-routine dental treatment, chronic conditions, hereditary conditions, congenital conditions, diagnostic treatment, alternative/holistic therapy, behavioral therapies, and prescription medications.
|Overall Ranking in our Pet Insurance Comparison||Not Ranked||Not Ranked|
|Preventative Care Available For An Extra Fee|
|Illnesses Waiting Period||30 Days||14 Days|
|Accidents Waiting Period||5 Days||14 Days|
|Hip Dysplasia Waiting Period||30 Days||14 Days|
|ACL Surgery Waiting Period||30 Days||12 Months|
|Enrollment Fee||$35 ($25 in WA and $0 in MD and MI)||None|
|30-Day Money Back Guarantee|
|Claim Limits||Unlimited||Limited per condition or unlimited|
|Underwriter||American Pet Insurance Company||Nationwide Casualty Company (Outside CA) & Veterinary Pet Insurance Company (CA Only)|
|A.M. Best Rating||Unrated||A+|
|No Exam Required to Set Baseline for Pet's Health|
One thing that both Trupanion and Nationwide have going for them is that neither company lists 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 Trupanion and Nationwide good options 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.
Nationwide offers a wellness plan (only available in some states) for an extra fee, whereas Trupanion doesn’t. In regard to waiting periods, Nationwide’s are fairly short at only 14 days for illnesses, accidents, and hip dysplasia; however, its ACL surgery waiting period is 12 months, whereas Trupanion’s is only 30 days.
Nationwide wins here because of its shorter waiting periods, wellness plan for some states, and its underwriters’ excellent A.M. Best rating (for financial strength).
Policy Coverage Winner: Nationwide
Unfortunately, finding negative reviews for Trupanion and Nationwide isn’t too difficult. However, both are relatively large companies with a lot of customers to satisfy. Unfortunately, it’s more common for people to post poor reviews when they’re upset than positive reviews when they’re happy.
In our comment section for Trupanion and across the internet, there are complaints regarding them denying claims, classifying unwarranted items as pre-existing, having higher monthly premiums than competitors, having long claim repayments, and more.
Meanwhile, our Nationwide comment section has complaints of its benefit schedule not including enough coverage, not paying out claims, low claim reimbursements, being told false information about coverage, high premiums, and more.
Neither has an unblemished reputation, but we do feel Nationwide’s is slightly better than Trupanion’s.
Customer Service & Reputation Winner: Nationwide
Nationwide allows 30 days to pay out its claims but averages 5 to 15 days. Meanwhile, Trupanion allows 60 days but averages 14 days. Both of these are on the longer end of their competitors claim repayment schedules.
Since Nationwide can have a slightly shorter claim repayment period, it’s the winner of this category.
Claim Repayment Winner: Nationwide
Trupanion has a set 90% reimbursement and a set unlimited annual limit, so their policies aren’t nearly as customizable as many other pet insurance companies. Trupanion also has a per-incident deductible (choose from $0 to $1,000), which means you’ll have to meet the deductible multiple times in a policy year if your pet has more than one emergency or illness. This can result in more expenses for you.
Nationwide offers three different basic plan options: Whole Pet, Major Medical, and Major Medical With Wellness. Each has a set $250 deductible. With their Whole Pet plan, you can choose 50%, 70%, or 90% reimbursement options, and the claims 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, outlining the maximum reimbursement amount you can expect, regardless of how much your vet charges.
Plan Customization Winner: Trupanion
Trupanion offers one plan and charges a $35 enrollment fee, but it offers a 30-day money-back guarantee. Meanwhile, Nationwide has two different plans. The quotes below are for its Whole Pet Plan, but its other plan uses a 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 2, 2021. All information is for pets who are spayed/neutered and not an assistance or therapy animal.
|Breed||Birthday||Gender||Location||Deductible||Reimbursement %||Annual Maximum||Wellness Coverage||Price Per Month|
|Trupanion||Yorkshire Terrier||December 2018||Male||Ohio (43205)||$250/incident||90%||Unlimited||$52.20|
|Nationwide||Yorkshire Terrier||December 2018||Male||Ohio (43205)||$250||90%||Unlimited||$67.25|
|Trupanion||Labrador Retriever||April 2017||Female||California (90024)||$250/incident||90%||Unlimited||$210.35|
|Nationwide||Labrador Retriever||April 2017||Female||California (90024)||$250||90%||Unlimited||$99.13|
|Trupanion||Medium Mixed Breed||December 2015||Female||New York (10012)||$250/incident||90%||Unlimited||$174.54|
|Nationwide||Medium Mixed Breed||December 2015||Female||New York (10012)||$250||90%||Unlimited||$122.52|
|Trupanion||Standard Poodle||November 2019||Male||Texas (77005)||$250/incident||90%||Unlimited||$51.19|
|Nationwide||Standard Poodle||November 2019||Male||Texas (77005)||$250||90%||Unlimited||$66.57|
When we ran additional price quotes, Trupanion was consistently among the most expensive while Nationwide was typically much more affordable. Quotes for these two companies can be very similar or different, depending on your pet and where you live, which is why we always recommend gathering quotes from multiple companies for your pet(s).
Overall, Nationwide tended to be less expensive than Trupanion in the many quotes we ran. Trupanion’s per-incident deductible is a driving force in determining the winner for this category.
Price Of Policy Winner: Nationwide
Trupanion and Nationwide aren’t our first picks for pet insurance. However, if your dog has pre-existing conditions, these two companies may be better options if you need a condition or disease covered that can affect both sides of the body but has only presented itself on one side.
Overall Winner: Nationwide
Our experts have spent hundreds of hours researching to bring you our comprehensive pet insurance reviews, which includes more than 20 companies.
If you prefer to see winners by category, we award the best price, multiple pets, 100% reimbursement, unlimited claims, 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.