This content was reviewed by our licensed insurance agent, Michelle Schenker.
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Trupanion and Nationwide each offer unique features where one may be a better option over the other for you. We know pet insurance isn’t a one-size-fits-all product. This is why we explain their coverage, price, reputation, and the scenarios when we think you may want to consider one of them over our top picks.
|Policy Coverage||More Limited||More Limited|
|Customer Service & Reputation||Excellent, Stable||Good|
|Claim Processing Average||2 Days||4 Days|
|Price Of Policy||Higher On Average||Lower|
|Plan Customizations||Very Limited||Restricted Options|
|Visit Website||Visit Website|
The table below shows specifically what Trupanion 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.
|Ranking In Our Pet Insurance Comparison||Best Vet Direct Pay||Unranked|
|Illness Waiting Period||30 Days||14 Days|
|Accident Waiting Period||5 Days||14 Days|
|Hip Dysplasia Waiting Period||30 Days||14 Days|
|CCL Surgery Waiting Period||30 Days||12 Months|
|Alternative/Holistic Therapy||Extra Fee|
|Wellness Care For An Extra Fee|
|Underwriter||American Pet Insurance Company||National Casualty Company & Veterinary Pet Insurance Company|
|A.M. Best Rating||Unrated||A+ (both companies)|
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 for any given treatment. This is different from other pet insurance companies. Most companies’ (including Trupanion) claim repayment calculations are based on your vet’s receipt, and thus, the amount you actually paid your vet vs a figure reflected in the benefits schedule (Nationwide) that may not cover what you paid, especially in areas with higher living costs.
Additionally, Trupanion has a per-incident lifetime deductible instead of an annual deductible, which most pet insurance providers use. This means you have to meet the deductible multiple times for every new emergency your pet encounters instead of one annual deductible, which means all claims go toward one deductible (annual deductibles are usually less costly to the policyholder).
However, Trupanion has no lifetime limit which means that over time, a few costly treatments could end up being covered with them that may exceed the lifetime limits of another carrier.
One thing 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 a pre-existing knee condition 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.
Overall, it’s hard to choose a winner here because each person’s preferences vary, so we’ve declared this one a tie.
Unfortunately, finding negative reviews for Trupanion and Nationwide isn’t too difficult. However, both are relatively large companies with many customers to satisfy. Unfortunately, it’s more common for people to post poor reviews when upset than positive reviews when they’re happy.
According to feedback from our readers and many online reviews, customers complain about Trupanion denying claims, classifying unwarranted items as pre-existing, having higher monthly premiums than competitors, having long claim repayments, and more.
Meanwhile, Nationwide has complaints about 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 both companies have an A+ rating with the BBB and consumer comments suggest that Trupanion works harder to resolve customer concerns, giving them a slight edge in this department.
Customer Service & Reputation Winner: Trupanion
Trupanion processes claims within two days on average, which is considered good since most companies average fewer than ten days. Also, you may be able to have Trupanion pay your vet directly, so you don’t have to pay a hefty vet bill in advance and wait for reimbursement. Check with your vet to see if Trupanion Express is an option at their office or if they are willing to work with Trupanion to set it up.
Nationwide averages four days to repay claims (also good), but it doesn’t offer a direct payment option for vets as Trupanion does. This is why Trupanion wins this category.
Claim Processing Winner: Trupanion
Trupanion offers one plan and charges a one-time enrollment fee of either $0, $25, or $35 (depends on your state) but no monthly transaction fees. Trupanion also offers a 30-day money-back guarantee. Meanwhile, Nationwide has a 10-day money-back guarantee and four different plans, but not all are available for each dog.
The quote below for the Lab is for Nationwide’s Whole Pet Plan, and the mixed breed quote is for the benefit schedule, which means there’s a maximum amount 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. All information is for pets who are spayed/neutered and not an assistance or therapy animal.
|Breed||Birthday||Gender||Location||Deductible||Reimbursement %||Annual Payout||Price Per Month|
|Trupanion||Labrador Retriever||April 2017||Female||California (90024)||$250/incident||90%||Unlimited||$231.45|
|Nationwide||Labrador Retriever||April 2017||Female||California (90024)||$250||70%||$10,000||$65.61|
|Trupanion||40 lb Mixed Breed||January 2015||Female||Illinois (60604)||$500/incident||90%||Unlimited||$142.36|
|Nationwide||40 lb Mixed Breed||January 2015||Female||New York (10012)||$250||N/A||Defined per condition||$78.31|
When we ran additional price quotes, Trupanion was consistently among the most expensive while Nationwide was typically more affordable. However, quotes for these two companies can be very similar or different, depending on your pet and where you live. This 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 have run over the years. Trupanion’s per-incident deductible is a driving force in determining the winner for this category. But, Trupanion has no lifetime limit which means that over time, a few costly treatments could end up being covered with them that may exceed the lifetime limits of another carrier. However, Nationwide’s benefit schedule may not be ideal for your pet insurance needs, so consider this when deciding.
In other words, this is a hard category to rate but Nationwide wins on average policy quote prices, despite it possibly losing on paying when it actually counts and you need to file a claim that is not covered at as high of an amount as you or your vet may feel is fair for the current market value.
Price Of Policy Winner: Nationwide
Nationwide Pet Insurance offers the following discounts:
- 5% off for 2-3 pets covered
- 10% off for 4 or more pets covered
Use this link to take advantage of the best possible price. No promo code is needed.
Trupanion has a set 90% reimbursement and unlimited annual payouts, 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 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, outlining the maximum reimbursement amount you can expect, regardless of how much your vet charges.
In summary, Trupanion plans have fewer options to choose from, making their policies less customizable, yet easier to understand. The benefits schedule that Nationwide uses to determine claims payouts may or may not cover your vet’s billing amount for treatments, medications, etc. So, depending on how complicated you want your insurance to be and how satisfied you are with a benefit schedule determining payouts, you might make a different choice than someone else with a different comfort level. We feel that Trupanion is a more straightforward option for customers who want a more predictable and easy-to-understand policy.
Plan Customization Winner: Trupanion
Trupanion and Nationwide are great options for those of you who have dogs with 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. Trupanion has more customizations, a faster claim processing average, and a better customer service reputation. But if you want lower prices, Nationwide may be worth getting a quote from.
Overall Winner: Trupanion
Our experts have spent hundreds of hours researching to bring you our comprehensive pet insurance reviews, including our top picks along with details on each 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: Reviewed By Insurance Agent