Compare Healthy Paws vs. Nationwide Pet Insurance
What’s the difference between Healthy Paws Pet Insurance and Nationwide Pet Insurance? See how our editors compare the two companies below.
Last Updated: February 05, 2025
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Key Facts
Rated "Best Choice Overall" by Mashable
- No Maximum Annual or Lifetime Payouts
- No Enrollment or Administrative Fees
- Most Claims are Processed in 2 Days
- Trusted by More than 625,000 Parents
- 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
OVERALL RATINGS
| Healthy Paws | Nationwide | |
|---|---|---|
| Coverage | 4.5/5 | 5.0/5 |
| Cost | 4.0/5 | 3.0/5 |
| Extras | 4.0/5 | 4.0/5 |
Healthy Paws
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Nationwide
Healthy Paws
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Nationwide
Final Verdict
Healthy Paws Pet Insurance has a higher overall rating than Nationwide Pet Insurance. Healthy Paws scores better than Nationwide across: Cost, Reviews, and Enrollment. However, Nationwide scores better on Coverage, Benefit Limits, Deductibles, and Reimbursement. Both companies score similarly on Extras.
Customer Comments & Reviews
Healthy Paws Pet Insurance review
Healthy Paws is hands down the best pet insurance company out there. Their claims are seamless, quick, and easy. Their customer service is second to none. I was skeptical after dealing with another company that was dishonest years ago with another cat but after she passed, I swore I would never have to choose whether to treat or euthanize due to cost again and I decided to look into pet insurance again. Healthy Paws had one of the best reputations and was very reasonable compared to other reputable companies. My mother also had Healthy Paws and only had good experiences with them so I felt confident choosing them. I’ve been with them for about 1.5 years before I needed to use my coverage for my cat’s surgery with a board certified surgeon at a specialty hospital. Healthy Paws did not question the cost or tell me to look for a less expensive option, instead they didn’t even question it and reimbursed me the 80% within days! Originally I applied for direct pay to the vet and they also approved that within a day(however this vet did not accept direct pay so I went with the reimbursement )! I could not be happier with Healthy Paws and the piece of mind it brings me having my cats insured by an honest company! I will be a client for life.
Healthy Paws Pet Insurance review
I have been a loyal Healthy Paws Pet Insurance customer since 2019, when my beagle Maisie was just 5 months old, and I’ve always hoped never to need it. However, this past month, Maisie, who is now 5 years old, gave us quite a scare. She ended up in both our regular vet and emergency care for fluid on her heart and in her belly. Thankfully, Healthy Paws made the claims process straightforward, and they quickly reimbursed me for her treatment.
One recommendation I would give to new policyholders is to proactively submit all your dog’s medical records each time they visit the vet. Healthy Paws requires all records to process the first payout, and that did cause a slight delay in my case. However, overall, the experience was positive. I was even touched by the follow-up email they sent a week after her check-up to check on Maisie’s progress.
I highly recommend Healthy Paws for anyone seeking reliable and compassionate pet insurance. Their support during a stressful time was invaluable, and I’m grateful for the peace of mind they provide.
Nationwide Pet Insurance review
We have dealt with Nationwide Pet Insurance since 1992. They have always been there for our 2 Shih-Tzu's, Cleo and Bella. We had to euthanize Bella last month due to many medical problems. I called Nationwide and explained our situation. They offered condolences and said to send in the final bills. They paid them within 2 weeks. A few days later, they mailed us a check for the remainder of her policy, which was paid for the year. They also enclosed a message of condolences with the check. Thank you Nationwide!
Nationwide Pet Insurance review
I have the wellness+ injury/illness which covers everything. My experience with Nationwide has been very good. They pay the claims within 30 days. My dog has to have regular teeth cleaning with occasional extractions due to gingivitis and has been covered. I've had the insurance for about 5 years now and they have never denied a claim. They raise their rates every year though and I had to go from a 90% reimbursement to a 70% reimbursement for affordability. And this year I may need to raise my deductible. I chose a $250 deductible with unlimited coverage. The Vet help line has been useful only 2 times in the last 4 years though. But the last time I had to call, I was given good and helpful information to help my pet. I would recommend Nationwide based on my experience with them. I give a 4 star and not 5 stars because of the rate increase every year. But their coverage in my case has been 5 stars.
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.
Healthy Paws Pet Insurance review
Regarding the online quoting system
+ let me include multiple pets on same quote
- can't figure out how to pay an annual amount rather than monthly
- they add $25 to the first payment for account set up =deal breaker
Healthy Paws Pet Insurance review
I've not actually had my pets covered under this insurer, but they are among the ones I obtained quotes from while shopping around. I have 2 cats; a 4 yr old male & a 12 yr old female. The female is actually in better health than the male, with his frequent UTIs, however because she is over 8 yrs old the best plan they will give me is a $500 deductible & 70% reimbursement, with various limitations. And at the same rate as the comprehensive plan for my male, which has a $100 deductible & reimburses at 90%.
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.