Key Differences
Healthy Paws has a claims submission app, Nationwide does not.
Nationwide offers an optional wellness coverage add-on, Healthy Paws does not.
Healthy Paws has a maximum reimbursement rate of 80%. Nationwide’s maximum reimbursement rate is 70%.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans Healthy Paws and Nationwide offer.
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 |
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Price: |
Get a Quote | Get a Quote |
Overall Rating: |
|
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Total Reviews: |
4,746 |
78,359 |
Deductible: |
$250, $500, $750, or $1,000* |
$250, $500, or $1,000 |
Reimbursement: |
50%, 60%, 70% or 80%* |
50%, 60%, or 70% |
Annual Limit: |
Unlimited |
Unlimited |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
Varies by state (0 days or 15 days)** |
14 days |
Illness Waiting Period: |
15 days** |
14 days |
Wellness Waiting Period: |
Not available |
1 day |
Orthopedic Waiting Period: |
Varies by state (30 days or 12 months); not available to pets enrolling at ages 6+** |
12 months |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Excluded |
Optional |
Dental Coverage: |
Limited Coverage |
Limited Coverage |
Exam Fee Coverage: |
No |
Optional |
Direct Vet Pay: |
Yes, with prior approval |
No |
Claims Expiration: |
Within any time of the coverage period of your policy |
Within 365 days of the date of treatment* |
Claims Submission App: |
Yes |
No |
Healthy Paws Accident and Illness Coverage
Healthy Paws offers accident and illness coverage for dogs and cats in one easy-to-understand pet insurance policy. You can configure your reimbursement rate and deductible to fit your needs. There are no maximum annual or lifetime payouts. Healthy Paws does not cover routine, preventative, or wellness coverage in this policy or offer it as an add-on.
Deductible Options*
$250, $500, $750, or $1,000
Reimbursement Options*
50%, 60%, 70% or 80%
Annual Limit Options
Unlimited
What’s Covered
Accidents
Alternative Treatments (FDA-Approved)
Cancer Coverage
Chronic Conditions
Congenital Conditions
Diagnostic Treatment
Emergency Care
Hereditary Conditions
Hospitalization
Illnesses
Prescription Medications
Specialty Care
Surgery
X-rays, Blood Tests, Ultrasounds
*Reimbursement and annual deductible options will vary depending on your pet's age and breed.
Nationwide Accident and Illness Coverage
Nationwide offers accident and illness coverage you can configure your deductible and reimbursement rate to fit your budget and needs.
Deductible Options
$250, $500, or $1,000
Reimbursement Options
50%, 60%, or 70%
Annual Limit Options
Unlimited
What's Covered
Accidents
Alternative Treatment
Cancer Coverage
Chronic Conditions
Congenital Conditions
Diagnostic Treatment
Emergency Care
Hereditary Conditions
Hospitalization
Illnesses
Prescription Medications
Specialty Care
Surgery
X-rays, Blood Tests, Ultrasounds
Optional Wellness Coverage Add-On
Nationwide offers two levels of optional wellness coverage. The first level provides $450 in annual benefits and the second level provides $800. Here’s what is covered in each.
Level 1 - $450 Total Annual Benefit
Physical Exam (2 exams per term)
Vaccination or Titer
Heartworm or FeLV/FIV test
Fecal test
Deworming
Microchip
Health certificate
Flea control OR Heartworm prevention
Level 2 - $800 Total Annual Benefit
Everything listed in Level 1 is covered plus:
One additional test
Health screen (blood test), Radiograph (x-rays), or Electrocardiogram (EKG)
Spay/neuter/dental**
**Coverage for spay/neuter or dental starts 90 days after the original policy term effective date.
Pet Insurance Claims Comparison
The claims process can vary across pet insurance companies. Here’s a look at how claims work for Healthy Paws and Nationwide.
Healthy Paws Claims Details
With Healthy Paws, you can use any licensed veterinarian in the U.S. or Canada and submit your claims directly to their mobile app. Alternatively, you can fax, mail, email, or submit your claim form on the website with the invoice(s) at any time of the coverage period of your policy. Please note that medical records may be required to complete your pet’s first claim.
Direct deposit option for receiving reimbursements
Most claims are processed within 2 days
Offers direct vet pay on a claim-by-claim basis with prior approval
Nationwide Claims Details
With Nationwide Pet Insurance, you can file a claim through an online portal, fax, mail, or email with invoice(s).
Direct deposit option for receiving reimbursements
Trackable claim status using the online portal
Our Healthy Paws vs. Nationwide Review
Healthy Paws and Nationwide offer comprehensive coverage for accidents, illnesses, and various health issues like cancer and breed-specific conditions. Nationwide offers an optional wellness coverage add-on, but Healthy Paws does not. As for coverage, they are similar. But Healthy Paws offers coverage that doesn’t have annual or lifetime payout caps. You can configure the deductible and reimbursement rate with Healthy Paws and Nationwide, but the maximum annual limit is fixed for both. Overall, both insurers offer competitive rates. The best way to understand which company has the best plan for your pet is by comparing quotes from both companies.
