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Nationwide Pet Insurance vs. Pets Best

Nationwide Pet Insurance and Pets Best Insurance are two of the most trusted and respected brands in the pet insurance market.

Nationwide is the oldest pet insurance company in the U.S. and sold its first policy in 1982. At the time it was was founded by Dr. Jack Stephens as Veterinary Pet Insurance. Today they offer three different plans with Whole Pet with Wellness offering the most comprehensive coverage in the industry.

Then 23 years later Dr. Stephens founded a second pet insurance company called Pets Best Insurance. Pets Best was founded on many of Dr. Stephens’ learnings at Veterinary Pet Insurance (now Nationwide). Pets Best offers three different accident and illnesses coverage options and two different wellness plans.

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Nationwide Pet Insurance Pets Best Insurance
Price: Get a Quote Get a Quote
Overall Rating:
Total Reviews: 614 7,645
Deductible: $100 - $250 $50 - $1,000
Reimbursement: 90% 70% - 90%
Annual Limit: $10,000 - Unlimited $5,000 - Unlimited
Company Profile: Company Overview Company Overview
Waiting Period for Accidents: 14 Days see details/quote
Waiting Period for Illnesses: 14 Days 14 days
Waiting Period for Orthopedic Coverage: 14 Days* 14 days*
Emergency Care: Included Included
Accidents: Included Included
Illnesses: Included Included
Cancer Coverage: Included Included
Orthopedic Issues: Included Included
Hereditary Conditions: Included Included
Chronic Conditions: Included Included
Prescription Meds: Included Included
Wellness Coverage: Optional Optional
Vet Restrictions: None None


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Both Nationwide and Pets Best are great pet insurance companies with excellent coverage. Each is unique but your pet will be happy with either one. With Dr. Jack Stephens, the Father of Pet Insurance, as its founder, Nationwide and Pets Best share a common history. But which of the two trusted brands currently has the top-notch offer when it comes to securing the well-being of your furry pal? A close comparison should help you decide.

Nationwide: A Review

The oldest and biggest pet insurance company in the US, Nationwide has an overall rating of 3.9/5.0 from customers. Their deductible is at $100-250 and reimbursement is set at 90%. Emergency care is included in the coverage; your pet will just have to go through their standard 14-day waiting period for accidents and illnesses before coverage comes into effect.

Pets Best: A Review

Offering a wide range of coverage options, Pets Best has an overall rating of 4.1/5.0. The deductible can be as low as $50 and can go as high as $1,000 and reimbursement is at 70-90%, all depending on the plan you choose.

  • Waiting Period
     All states except Maine:

    • Accidents: 3 days
    • Illnesses: 14 days
    • Cruciate Ligament Conditions: 6 months
    • Routine Care: 0 days
      Maine Only
    • Accidents: 0 days
    • Illnesses: 14 days
    • Cruciate Ligament Conditions: 30 days
    • Routine Care: 0 days

Coverage Comparison

Both companies offer different levels of coverage, which allows you to choose a plan that’s suitable for your pet’s specific needs. On top of the basic accident and illness coverage, you can also avail of the wellness package, which is optional for both brands.

Price Comparison

Nationwide pricing can be a bit more expensive than other pet insurance companies with its additional $20 processing fee. However, they waive this fee when you pay your premium for the entire year. Pets Best, on the other hand, is considered to have one of the most affordable insurance plans in the market. But they do charge a transaction fee of $2/month.

Get a free quote from these two pet insurance companies today so you can see which one offers a better deal for the coverage you want for your beloved pet.

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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.

Pets Best Insurance Enrollment Requirements

* 6 month waiting period for cruciate ligaments for all states other than ME, where it’s 30 days

Additional Note: Pets must be at least 7 weeks old at the time of enrollment; there is no upper age limit for enrollment