ASPCA® Pet Health Insurance vs. Nationwide

Who is top dog?

With Complete CoverageSM, you can choose from 3 reimbursement rate options. Nationwide offers one or a benefit schedule.

  • 3 reimbursement rate options
  • No upper age limit for illness coverage
  • No deductible for preventive care coverage option
  • Higher multiple pet discount
  • Longer money back guarantee*

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Don’t just take our word for it.

See how we stack up.

We’ve pulled together top plan features and benefits so you can compare them easily.

Reimbursement Choice of 90%, 80% or 70% of covered vet costs. 90% of covered vet costs or fixed benefit schedule amount, depending on the plan
Unlimited Plan Available YES YES
Type of Deductible ANNUAL ANNUAL
Illness Waiting Period 14 Days ANNUAL
Accident Waiting Period 14 Days 14 Days
Preventative Care Optional add-on, coverage has nowaiting period Available; coverage starts after a 48hr waiting period
Lab tests, X-rays, Hospitalization, Surgery, Diagnostics, etc. INCLUDED INCLUDED
Prescription Medications INCLUDED INCLUDED
Hereditary and Congenital Conditions INCLUDED INCLUDED
Alternative Therapies INCLUDED INCLUDED
No Vaccination Requirement for Coverage of Certain Conditions YES YES
Multiple Pet Discount 10% for each additional pet* 5% for second and third;10% for fourth and subsequent
Upper Age Limits for Illness Coverage Enrollment NONE 10 years for major medical and feline select plans.
All Pets Eligible Regardless, of Health YES NO
Accident-Only Plan Available forAll Pets YES YES
Money Back Guarantee YES NO
Experience The agency that provides ASPCA Pet Health insurance was founded in 1997. VPI Started selling plans in the US in 1982. Its name changed to Nationwide in August 2015.
Better Business Bureau Rating A+ A+

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Insurance Plans

Great pet insurance for your best friend.

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. Complete CoverageSM can help you manage your vet bills so you can focus on helping your pet get better.

  • Up to 90% cash back on covered vet bills
  • No network−choose your own vet!
  • Coverage for veterinary accident and illness exam fees
  • Fast claim submission with our free app
  • 30-day money back guarantee*

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Also Available:

Accident Only Coverage

For those looking for some cushion in case their pet gets hurt.

Preventive Care Coverage

Get help keeping your pet healthy for a little more per month.

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Nationwide Pet Insurance Plan Comparison

Dig into the details to see how we compare with Nationwide.

Reimbursement Options

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.

Preventive Care Coverage

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.

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.

Age Limits for Enrolling in Illness Coverage

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.

Discounts and Guarantees

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.

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.

*We offer a 30-day money back guarantee if no claims are filed. Not available in NY.
+As of 10/6/2020
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 or mailing Marketing Department 1208 Massillon Road, Suite G 200, Akron OH 44306.

*Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit 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.

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 GroupTM is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2018.