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Petco Pet Insurance vs. Nationwide

Petco and Nationwide are two of the most recognized brands in America, but for entirely different reasons. Petco is an established, national pet brand with over 1,500 stores across North America. Nationwide, on the other hand, is one of the biggest insurance companies in the world. But one thing these two have in common is excellent pet insurance coverage!

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Petco Insurance Nationwide Pet Insurance
Price: Get a Quote Get a Quote
Overall Rating:
Total Reviews: 19 614
Deductible: $100 - $500 $100, $250, or $500
Reimbursement: 70% - 90% 50%, 70%, or 80%
Annual Limit: $5,000 - Unlimited $10,000 - Unlimited
Company Profile: Company Overview Company Overview
Waiting Period for Accidents: 14 days 14 Days
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: Excluded Optional
Vet Restrictions: None None

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Petco vs. Nationwide Pet Insurance

Petco and Nationwide are two of the most trusted brands in America, but in two entirely different industries. Petco has been running pet stores for decades and Nationwide has been protecting homes and cars for even longer.

Company history aside, both companies are now offering pet health insurance plans, and both have unique coverage options that you should strongly consider.

Petco offers a simple accident and illness plan that covers everything from hospitalizations to long-term medications to surgery.

Nationwide also covers accidents and illnesses but they also offer optional wellness coverage for routine care expenses like annual visits and vaccinations.

The only caution we would call out is that Nationwide’s Major Medical plan pays claims based on a benefit schedule, which limits what you’re reimbursed for a given treatment. However, their Whole Pet with Wellness plan uses a more traditional reimbursement payment, which does not limit the payout.

There isn’t a ‘right’ answer so it would be wise to get quotes from both companies and decide which is best. You can also compare other companies below. Best of luck to you and your furry friend!

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Check out these other side-by-side comparisons of Petco and Nationwide vs other competitors.

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Petco Insurance Enrollment Requirements

There are no enrollment requirements. However, when you submit a claim, you authorize us and our administrator to access all medical information that we need to assess your pet’s health. For example, we may ask you for the name and contact information of any veterinarian that has ever seen or treated your pet. You must also provide proof of identity for your pet when we request it.

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 for 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). A physical exam must have been completed within 12 months prior to enrollment.