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<p class="hero__kicker text--uppercase">ASPCA® Pet Health Insurance vs. Nationwide</p>
<h1 class="hero__title text--large">Who is top dog?</h1>
<p>With Complete Coverage<sup>SM</sup>, you can choose from 3 reimbursement rate options. Nationwide offers
one or a benefit schedule.</p>
<ul class="hero__list icon-list">
<li class="icon-list__item">3 reimbursement rate options</li>
<li class="icon-list__item">No upper age limit for illness coverage</li>
<li class="icon-list__item">No deductible for preventive care coverage option</li>
<li class="icon-list__item">Higher multiple pet discount</li>
<li class="icon-list__item">Longer money back guarantee*</li>
</ul>
<p class="text--fancy">Get a quote in less than 2 minutes!</p>
<a href="https://www.aspcapetinsurance.com/quote/#/start" target="_blank" class="btn btn--primary"
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<p class="kicker color--blue">Don’t just take our word for it.</p>
<h2 class="color--blue">See how we stack up.</h2>
<p>We’ve pulled together top plan features and benefits so you can compare them easily.</p>
</div>
<div class="container">
<table class="compare">
<thead>
<tr>
<th></th>
<th><img src="https://d3544la1u8djza.cloudfront.net/APHI/plp/compare-pet-insurance-plans/nationwide/images/aspca_logo.svg"
alt="" /></th>
<th><img src="https://d3544la1u8djza.cloudfront.net/APHI/plp/compare-pet-insurance-plans/nationwide/images/nationwide_logo.png"
alt="" /></th>
</tr>
</thead>
<tbody>
<tr class="bg--light-yellow">
<td><strong>Reimbursement</strong></td>
<td class="color--green">Choice of 90%, 80% or 70% of covered vet costs.</td>
<td>90% of covered vet costs or fixed benefit schedule amount, depending on the plan</td>
</tr>
<tr>
<td><strong>Unlimited Plan Available</strong></td>
<td>YES</td>
<td>YES</td>
</tr>
<tr class="bg--light-yellow">
<td><strong>Type of Deductible</strong></td>
<td>ANNUAL</td>
<td>ANNUAL</td>
</tr>
<tr>
<td><strong>Illness Waiting Period</strong></td>
<td class="color--green">14 Days</td>
<td>ANNUAL</td>
</tr>
<tr class="bg--light-yellow">
<td><strong>Accident Waiting Period</strong></td>
<td>14 Days</td>
<td>14 Days</td>
</tr>
<tr>
<td><strong>Preventative Care</strong></td>
<td>Optional add-on, coverage has nowaiting period</td>
<td>Available; coverage starts after a 48hr waiting period</td>
</tr>
<tr class="bg--blue-light">
<td colspan="3"><strong>COVERAGE INCLUDES:</strong></td>
</tr>
<tr>
<td>Exam Fees</td>
<td>INCLUDED</td>
<td>INCLUDED</td>
</tr>
<tr class="bg--light-yellow">
<td>Lab tests, X-rays, Hospitalization, Surgery, Diagnostics, etc.</td>
<td>INCLUDED</td>
<td>INCLUDED</td>
</tr>
<tr>
<td>Prescription Medications</td>
<td>INCLUDED</td>
<td>INCLUDED</td>
</tr>
<tr class="bg--light-yellow">
<td>Hereditary and Congenital Conditions</td>
<td>INCLUDED</td>
<td>INCLUDED</td>
</tr>
<tr>
<td>Alternative Therapies</td>
<td>INCLUDED</td>
<td>INCLUDED</td>
</tr>
<tr class="bg--light-yellow">
<td>Behavioral Issues</td>
<td>YES</td>
<td>YES</td>
</tr>
<tr>
<td>Dental Illnesses</td>
<td>YES</td>
<td>YES</td>
</tr>
<tr class="bg--light-yellow">
<td>Chronic Conditions</td>
<td>YES</td>
<td>YES</td>
</tr>
<tr>
<td>Specialists</td>
<td>YES</td>
<td>YES</td>
</tr>
<tr class="bg--light-yellow">
<td>Stem Cell Treatments</td>
<td>YES</td>
<td>YES</td>
</tr>
<tr>
<td>Prescription Food & Supplements
To treat a covered condition (not for general maintenance or weight management)</td>
<td>YES</td>
<td>YES</td>
</tr>
<tr class="bg--light-yellow">
<td>Microchip</td>
<td>INCLUDED</td>
<td>INCLUDED</td>
</tr>
<tr>
<td><strong>No Vaccination Requirement for Coverage of Certain Conditions</strong></td>
<td>YES</td>
<td>YES</td>
</tr>
<tr class="bg--light-yellow">
<td><strong>Multiple Pet Discount</strong></td>
<td class="color--green">10% for each additional pet</td>
<td>5% for second and third; 10% for fourth and subsequent</td>
</tr>
<tr>
<td><strong>Upper Age Limits for Illness Coverage Enrollment</strong></td>
<td class="color--green">NONE</td>
<td>10 years for major medical and feline select plans.</td>
</tr>
<tr class="bg--light-yellow">
<td><strong>All Pets Eligible Regardless, of Health</strong></td>
<td class="color--green">YES</td>
<td>NO</td>
</tr>
<tr>
<td><strong>Accident-Only Plan Available forAll Pets</strong></td>
<td>YES</td>
<td>YES</td>
</tr>
<tr class="bg--light-yellow">
<td><strong>Money Back Guarantee</strong></td>
<td class="color--green">YES*</td>
<td>NO</td>
</tr>
<tr>
<td><strong>Experience</strong></td>
<td>The agency that provides ASPCA Pet Health insurance was founded in 1997.</td>
<td>VPI Started selling plans in the US in 1982. Its name changed to Nationwide in August 2015.</td>
</tr>
<tr class="bg--light-yellow">
<td><strong>Better Business Bureau Rating</strong></td>
<td>A+</td>
<td>A+</td>
</tr>
</tbody>
</table>
<p class="text--centered">Still undecided? <a href="#planComparison">Dig into the details.</a></p>
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<h2 class="color--blue">Ready for a quote?</h2>
<p class="color--blue text--reset">It takes less than 2 minutes</p>
<p class="flex flex--space-evenly"><a href="https://www.aspcapetinsurance.com/quote/?petSpecies=Dog"
target="_blank" class="btn btn--primary" rel="noopener">Get a quote for your dog</a> <a
href="https://www.aspcapetinsurance.com/quote/?petSpecies=Cat" target="_blank" class="btn btn--primary"
rel="noopener">Get a quote for your cat</a></p>
</div>
</section>
<section class="reviews">
<div class="container container--extra-narrow text--centered">
<p class="kicker text--uppercase">Reviews</p>
<h2 class="color--blue">Rated Among the Best by Pet Parents Across the Country.</h2>
<img src="https://d3544la1u8djza.cloudfront.net/APHI/plp/compare-pet-insurance-plans/nationwide/images/dog-838281_1920.png"
alt="" />
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<li class="reviews__review">
<div class="reviews__inner"><img
src="https://d3544la1u8djza.cloudfront.net/APHI/plp/compare-pet-insurance-plans/nationwide/images/star.svg"
class="icon-star reviews__icon" alt="Star icon" />
<p class="reviews__rating">10/10</p>
<blockquote class="reviews__quote">Easy and quick every time I call they are very helpful. App makes it
very easy to file and track.</blockquote>
<cite class="reviews__cite"><a href="https://www.petinsurancereview.com/insurers/aspca"
target="_blank">Ivonne</a></cite>
</div>
</li>
<li class="reviews__review">
<div class="reviews__inner"><img
src="https://d3544la1u8djza.cloudfront.net/APHI/plp/compare-pet-insurance-plans/nationwide/images/star.svg"
class="icon-star reviews__icon" alt="Star icon" />
<p class="reviews__rating">10/10</p>
<blockquote class="reviews__quote">The process to place claims is easy and the people are informative
and very polite. Very nice to do business with them.</blockquote>
<cite class="reviews__cite"><a href="https://www.petinsurancereview.com/insurers/aspca"
target="_blank">Allan Lippolis</a></cite>
</div>
</li>
<li class="reviews__review">
<div class="reviews__inner"><img
src="https://d3544la1u8djza.cloudfront.net/APHI/plp/compare-pet-insurance-plans/nationwide/images/star.svg"
class="icon-star reviews__icon" alt="Star icon" />
<p class="reviews__rating">10/10</p>
<blockquote class="reviews__quote">The ASPCA Pet Health Insurance team provided quality and excellent
service to my family’s pet insurance needs!</blockquote>
<cite class="reviews__cite"><a href="https://www.petinsurancereview.com/insurers/aspca"
target="_blank">Renita Harvey</a></cite>
</div>
</li>
<li class="reviews__review">
<div class="reviews__inner"><img
src="https://d3544la1u8djza.cloudfront.net/APHI/plp/compare-pet-insurance-plans/nationwide/images/star.svg"
class="icon-star reviews__icon" alt="Star icon" />
<p class="reviews__rating">10/10</p>
<blockquote class="reviews__quote">It’s easy to file my claims, they reimburse so quickly and the
customer service has always been efficient and helpful.</blockquote>
<cite class="reviews__cite"><a href="https://www.petinsurancereview.com/insurers/aspca"
target="_blank">Sophia Ryan</a></cite>
</div>
</li>
<li class="reviews__review">
<div class="reviews__inner"><img
src="https://d3544la1u8djza.cloudfront.net/APHI/plp/compare-pet-insurance-plans/nationwide/images/star.svg"
class="icon-star reviews__icon" alt="Star icon" />
<p>10/10</p>
<blockquote class="reviews__quote">They cover a lot for my boxer! Customer service is amazing and
everyone is easy to deal with. I love this insurance plan!</blockquote>
<cite class="reviews__cite"><a href="https://www.petinsurancereview.com/insurers/aspca"
target="_blank">Marianne</a></cite>
</div>
</li>
<li class="reviews__review">
<div class="reviews__inner"><img
src="https://d3544la1u8djza.cloudfront.net/APHI/plp/compare-pet-insurance-plans/nationwide/images/star.svg"
class="icon-star reviews__icon" alt="Star icon" />
<p class="reviews__rating">10/10</p>
<blockquote class="reviews__quote">Filing claims with the ASPCA Pet Health Insurance program is always
fast and easy to do. I have had nothing but great experiences with this insurance for my dog!
</blockquote>
<cite class="reviews__cite"><a href="https://www.petinsurancereview.com/insurers/aspca"
target="_blank">Dina Ambeliotis</a></cite>
</div>
</li>
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<div class="reviews__ratings">
<h3 class="text--reset">9.1/10 average rating | 5,966</h3>
<p class="text--reset">reviews by <a href="https://www.petinsurancereview.com/insurers/aspca" target="blank"
rel="noopener">PetInsuranceReviews.com</a> <sup>+</sup></p>
</div>
</div>
</section>
<section class="insurance-plans">
<div class="container flex flex--space-between">
<div class="insurance-plans__left">
<p class="kicker">Insurance Plans</p>
<h2 class="color--blue">Great pet insurance for your best friend.</h2>
<p>It’s hard to see your pet suffering from an injury or illness. It’s even harder when you have to worry
about how you’re going to pay for their care. <a
href="https://www.aspcapetinsurance.com/pet-insurance-plan/" target="_blank" class="color--blue"
rel="noopener">Complete Coverage<sup><small>SM</small></sup></a> can help you manage your vet bills
so you can focus on helping your pet get better.</p>
<ul class="icon-list flex">
<li class="icon-list__item">Up to 90% cash back on covered vet bills</li>
<li class="icon-list__item">No network−choose your own vet!</li>
<li class="icon-list__item">Coverage for veterinary accident and illness exam fees</li>
<li class="icon-list__item">Fast claim submission with our free app</li>
<li class="icon-list__item">30-day money back guarantee*</li>
</ul>
<!--<p class="text--reset">See how affordable it is to cover your pet.</p>
<p class="text--reset color--blue"><strong>Get a quote in less than 2 minutes.</strong></p>
<a href="https://www.aspcapetinsurance.com/quote/#/start" target="_blank" class="btn btn--primary margin-top--medium" rel="noopener">Get a quote for your pet</a>-->
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<div class="insurance-plans__right flex--align-self-center"><img
src="https://d3544la1u8djza.cloudfront.net/APHI/plp/compare-pet-insurance-plans/nationwide/images/Complete+Coverage+Desktop2.png"
class="insurance-plans__image" alt="Coverage Graphic" />
<p class="text--small margin-top--large margin-bottom--small">Also Available:</p>
<div class="additional-coverage flex flex--space-between">
<div class="additional-coverage__left">
<h4 class="text--xsmall bg--blue padding--xxsmall">Accident Only Coverage</h4>
<p class="text--xsmall text--reset">For those looking for some cushion in case their pet gets hurt.
</p>
</div>
<div class="additional-coverage__right">
<h4 class="text--xsmall bg--blue padding--xxsmall">Preventive Care Coverage</h4>
<p class="text--xsmall text--reset">Get help keeping your pet healthy for a little more per month.
</p>
</div>
</div>
</div>
</div>
</section>
<section class="affordable">
<div class="affordable__overlay"></div>
<div class="container">
<div class="affordable__content text--white">
<h2 class="text--large affordable__title">See how affordable it is to cover your pet.</h2>
<p class="text--fancy">Get a quote in less than 2 minutes!</p>
<a href="https://www.aspcapetinsurance.com/quote/#/start" target="_blank" class="btn btn--primary"
rel="noopener">Start a Quote for Your Pet</a>
</div>
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</section>
<section class="comparison">
<div class="container">
<a name="planComparison"></a>
<h1 class="comparison__title">Nationwide Pet Insurance Plan Comparison</h1>
<p class="text--reset">Dig into the details to see how we compare with Nationwide.</p>
<dl class="faq js-faq">
<dt class="faq__question js-faq-question">Reimbursement Options</dt>
<dd class="faq__answer js-faq-answer">
<p>With an ASPCA Pet Health Insurance plan, you can choose from three reimbursement rate options for
accident and illness coverage: 90%, 80%, or 70%. This lets you customize your plan to fit your
coverage and budget needs. Nationwide pet insurance coverage offers a 90% reimbursement option or a
fixed benefit schedule that caps reimbursement at a set amount for each covered condition or
service.</p>
</dd>
<dt class="faq__question js-faq-question">Preventive Care Coverage</dt>
<dd class="faq__answer js-faq-answer">
<p>Nationwide Whole Pet with wellness has a deductible and co-insurance that applies to all
reimbursements including preventive care. So, for example, if you have a $250 annual deductible,
you’ll have to cover that deductible and your 10% co-pay before you’ll get reimbursed for any
preventive care services. There’s also a 14-day waiting period before you can use this coverage.</p>
<p>If you add optional preventive coverage to your ASPCA Pet Health Insurance plan, you’ll get
reimbursed a set amount for a list of services with no deductible or co-insurance required. Plus,
there is no waiting period for this coverage. You can start using it the day it becomes effective.
</p>
</dd>
<dt class="faq__question js-faq-question">Age Limits for Enrolling in Illness Coverage</dt>
<dd class="faq__answer js-faq-answer">
<p>Nationwide Major Medical and Select Feline plans have a maximum age limit of 10 years old. They also
have a minimum age limit of one year old for a new enrollment in Whole Pet with Wellness. We know
how helpful illness protection can be for senior pets who may get sick more easily than younger
pets. That’s why we don’t have an upper age limit for this coverage. Also, any pet over eight weeks
old is eligible for coverage with ASPCA Pet Health Insurance plans.</p>
</dd>
<dt class="faq__question js-faq-question">Discounts and Guarantees</dt>
<dd class="faq__answer js-faq-answer">
<p>The ASPCA Pet Health Insurance program has a 10% multi-pet discount for each additional pet.
Nationwide pet health insurance offers a 5% discount for your second and third pet. You’ll need to
protect four or more pets to get a 10% discount with Nationwide. Even if you just have one pet now,
you should keep this difference in mind as you shop around. You never know when you’ll want to add
another pet (or two!) to your family.</p>
<p>The ASPCA Pet Health Insurance program also has a 30-day money back guarantee as long as no claims
are filed (not available in NY). Nationwide offers a 10-day money back guarantee. We want to make
sure you are comfortable with your coverage so we give you a full month to decide.</p>
<p><small>*We offer a 30-day money back guarantee if no claims are filed. Not available in NY.<br />+As
of 10/6/2020<br />Comparison information is provided using publicly available information as of
7/1/2019 and is only meant to summarize program features, not a specific plan. Review the
provider’s plan terms for more details. The description of the providers’ plans are not provided
by that company. If you have questions about other plans, please contact an agent of that
company. It is our intention to provide fair and accurate comparison information. We attempt to
keep information up to date but it may change from time to time. If you are aware of any
inaccuracies or changes in the information provided, let us know by emailing
socialmedia@cfinspet.com or mailing Marketing Department 1208 Massillon Road, Suite G 200, Akron
OH 44306.<br /><br />*Pre-existing conditions are not covered. Waiting periods, annual
deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions
visit <a href="https://www.aspcapetinsurance.com/terms" target="_blank"
rel="noopener">www.aspcapetinsurance.com/terms</a>. Preventive Care reimbursements are based
on a schedule. Customers enrolled on product Levels 1-4 should visit the Member Center for their
policy benefits. Products, schedules, and rates may vary and are subject to change. Discounts
may vary and are subject to change. More information available at checkout.<br /><br />The
ASPCA® is not an insurer and is not engaged in the business of insurance. Products are
underwritten by United States Fire Insurance Company, produced and administered by C&F
Insurance Agency, Inc. (NPN # 3974227), a Crum & Forster company. Through a licensing
agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and
is not a charitable contribution. C&F and Crum & Forster are registered trademarks of
United States Fire Insurance Company. Crum & Forster Pet Insurance Group<sup>TM</sup> is a
trademark of United States Fire Insurance Company. The Crum & Forster group of companies is
rated A (Excellent) by AM Best Company 2018. </small></p>
</dd>
</dl>
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<p><a href="/more-info/notice-to-california-residents/" class="underline">Notice to California Residents</a></p>
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<p> *We offer a 30-day money back guarantee if no claims are filed. Not available in NY. </p>
<p> +As of 10/6/2020</p>
<p> Comparison information is provided using publicly available information as of 7/1/2019 and is only meant to
summarize program features, not a specific plan. Review the provider’s plan terms for more details. The
description of the providers’ plans are not provided by that company. If you have questions about other
plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison
information. We attempt to keep information up to date but it may change from time to time. If you are aware
of any inaccuracies or changes in the information provided, let us know by emailing <a
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<p>*Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits
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Preventive and Wellness Care reimbursements are based on a schedule. Complete Coverage<span>℠</span>
reimbursements are based on the invoice. Levels 1-4 reimbursements are based on usual and customary eligible
costs. Products, schedules, and rates may vary and are subject to change. Discounts may vary and are subject
to change. More information available at checkout.</p>
<p>The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by
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