Nationwide vs. Petplan
Nationwide and Petplan are both excellention options when considering pet insurance for your furry family member. The biggest difference between the two is that Nationwide offers an optional wellness care plans, whereas Petplan does not. See the similarities and differences for yourself and decide which company is best for you and your pet!
|Price:||Get a Quote||Get a Quote|
|Deductible:||$100 - $250||$250 - $1,000|
|Reimbursement:||90%||70% - 90%|
|Annual Limit:||$10,000 - Unlimited||$2,500 to Unlimited|
|Company Profile:||Company Overview||Company Overview|
|Waiting Period for Accidents:||14 Days||5 days|
|Waiting Period for Illnesses:||14 Days||15 days|
|Waiting Period for Orthopedic Coverage:||14 Days*||15 days**|
Nationwide offers three different coverage options, depending on the state you live in:
- whole petSM with wellness
- whole petSM
- major medicalSM
Each plan has pros and cons but in general terms whole petSM with wellness has the broadest coverage and major medicalSM is the most restrictive on coverage.
Petplan on the other hand has one plan to choose from but a multitude of options you can add or subtract to their plan. Unlike Nationwide’s plans, Petplan allows you to choose your deductible, reimbursement rate and payout amount. You can also add riders to your policy for additional coverage options.
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Nationwide Pet Insurance Enrollment Requirements
*Diagnosis or treatment of cruciate ligament or meniscus damage or rupture that occurs during the first 12 (twelve) calendar months that your pet is insured by us. You must maintain continuous coverage on your pet with us in order to avoid another twelve (12) month waiting period.
Six weeks minimum age and 10 years maximum for enrollment (includes lifetime coverage). Physical exam must have been completed within 12 months prior to enrollment.
Petplan Pet Insurance Enrollment Requirements
*Regardless of your pet’s age, if your pet has not been examined by a veterinarian within sixty (60) days prior to the effective date of the policy, you must arrange to have your pet examined within thirty (30) days of the effective date of the policy.
**Orthopedic Health Issues
- 6-month waiting period for cruciate ligaments and patellar luxation
- Standard 15 day Illness Waiting Period for other Orthopedic conditions
- Exclusionary period for knees can be waived with a healthy knee exam/check at the vet while the policy is in force
- 30-day waiver is available
- Cruciate injuries and illnesses are coverable, but there is a six month cruciate exclusionary period that can be waived by having the knees certified as healthy by the vet in the first 30 days