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Nationwide vs. Pets Best Pet Insurance

Nationwide and Pets Best are two of the best pet insurance companies in America. This chart provides an overview of Nationwide's Whole Pet With WellnessSM plan, to learn more about their other plans click here.

 Nationwide Pet Insurance
 Pets Best Insurance
Average Price
$26 - 48/mo.
$18 - 33/mo.
A.M. Best Rating A+ NR
BBB Rating A+ A+
Customer Satisfaction 79% 86%
Total Reviews 5,510 reviews 2,994 reviews
Deductible $100 - 250 $50 - 1,000
Reimbursement 90% 70, 80 or 90%
Annual Limit Unlimited $5k, $10k or Unlimited
Company Profile Nationwide Overview Pets Best Overview
Waiting Period for Accidents 14 days 3 days
Waiting Period for Illnesses 14 days 14 days
Waiting Period for Orthopedic Coverage 14 days
14 days *
Emergency Care
Cancer Coverage
Orthopedic Issues*
Hereditary Conditions*
Chronic Conditions
Prescription Meds
Dental Accidents
Cancer Coverage
Wellness Coverage
Vet Restrictions None None


  • Pet insurance does not cover pre-existing conditions
  • Nationwide details based on Whole Pet with Wellness Plan
  • 6 months for cruciate injuries *

Nationwide Enrollment Requirements

Six weeks minimum, 10 years maximum for enrollment (includes lifetime coverage). Physical exam must have been completed within 12 months prior to enrollment. We recommend the Whole Pet Plan because it offers 90% reimbursement of your actual vet bills with no limits.

Pets Best Enrollment Requirements

Hereditary and Congenital Disorders - There are 7 conditions that have a 12 month waiting period: luxating patellas, portosystemic shunts, elbow dysplasia, hip dysplasia, osteochondritis dissecans and cardiovascular defects. The waiting periods for these conditions can be reduced to only 14 days if a veterinary exam confirms the pet does not have these health conditions. The exam must be performed up to 10 days prior to enrollment or no later than 30 days after enrollment. Vet fills out Pet Health Checklist and 12 month waiting period is waived. Waiting period for cruciate ligament injuries is 6 months.


The biggest difference between Nationwide and Pets Best is that Nationwide has standardized plans and Pets Best offers customized options. They are both great options. Nationwide if you want simple, broad, straightforward coverage and Pets Best if you want to tailor your pet's coverage.

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