Compare ASPCA® Pet Health Insurance vs. Nationwide
When you compare ASPCA Pet Health Insurance plans with Nationwide pet insurance coverage, you’ll notice some interesting differences, including the way reimbursement options and preventive care coverage are handled.
|Reimbursement||Choice of 90%, 80% or
70% of covered vet costs
|90% of covered vet costs or fixed benefit schedule amount, depending on plan|
|Unlimited Plan Available||Yes||Yes|
|Type of Deductible||Annual||Annual|
|Illness Waiting Period||14 Days||14 Days|
|Accident Waiting Period||14 Days||14 Days|
|Preventive Care||Optional add-on, coverage has no waiting period||Available; coverage starts after a 24 hour waiting period|
|Lab Tests, X-rays, Hospitalization, Surgery, Diagnostics, etc.||Yes||Yes|
|Hereditary and Congenital Conditions||Yes||Yes|
|Stem Cell Treatments||Yes||Yes|
|Prescription Food & Supplements
To treat a covered condition (not for general maintenance or weight management)
|No Vaccination Requirements for Coverage of Certain Conditions||Yes||Yes|
|Multiple Pet Discount||10% for each additional pet||5% for second and third pet;
10% for fourth and subsequent
|Upper Age Limits for Illness Coverage Enrollment
This is the age at which illness coverage is no longer available for new enrollments. Typically, a pet’s plan won’t be cancelled because of age.
|None||10 years for Major Medical and Feline Select plans|
|All Pets Eligible, Regardless of Health||Yes||No|
|Accident-Only Plan Available for All Pets||Yes||Yes|
|Money Back Guarantee||30 Days*||10 Days|
|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+|
Nationwide Pet Insurance Plan Comparison
As you can see from the table above, there are quite a few significant differences between ASPCA® Pet Health Insurance and Nationwide.
With an ASPCA® Pet Health Insurance plan, you can choose from three reimbursement 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% discount for multiple pets. 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 covered expenses have been applied to your deductible or reimbursed, you can get a full refund within this time frame.* 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.
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 firstname.lastname@example.org or mailing Marketing Department 1208 Massillon Road, Suite G 200, Akron OH 44306.