Nationwide vs Pet Premium Pet Insurance Coverage Comparison
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
UPDATED: Jan 8, 2024
Pet Insurance U receives compensation from the third parties included on this site. This includes payment for clicks from our site to insurance providers’ sites and quote requests generated. Our rankings and reviews are not affected by payments from the insurance companies. The compensation we receive allows the site to be free and regularly updated. Our goal is to review every pet insurance provider, but not all companies are listed on the site.
And many of the companies we review do not pay us anything. We simply rate, compare and review their plan because we feel it will be valuable to you. Our reviews are guaranteed to be unbiased, professional and advertising compensation does not influence rankings.
We are a free online resource for anyone interested in learning more about pet insurance. Our goal is to be an objective, third-party resource for everything pet insurance related. We update our site regularly, and all content is reviewed by pet insurance experts.
UPDATED: Jan 8, 2024
Pet Insurance U receives compensation from the third parties included on this site. This includes payment for clicks from our site to insurance providers’ sites and quote requests generated. Our rankings and reviews are not affected by payments from the insurance companies. The compensation we receive allows the site to be free and regularly updated. Our goal is to review every pet insurance provider, but not all companies are listed on the site.
And many of the companies we review do not pay us anything. We simply rate, compare and review their plan because we feel it will be valuable to you. Our reviews are guaranteed to be unbiased, professional and advertising compensation does not influence rankings.
On This Page
PetPremium vs Nationwide pet insurance are top pet insurance companies with well-rounded coverage.
Both Pet Premium vs Nationwide offer wellness plans, are competitively priced and have a solid backing.
We did a side-by-side comparison to see exactly how they fare against each other.
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FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!
Nationwide vs Pet Premium Pet Insurance Plans Compared
PetPremium is a relative newcomer to the pet insurance industry. They offer very comprehensive pet insurance that is competitively priced.
Policyholders are generally happy with Pet Premium with a 97 % customer satisfaction rate.
Nationwide, a Fortune 100 company, has pet insurance for dogs, cats, and all exotic animals.
With strong financial backing, Nationwide offers a very comprehensive plan and even a wellness plan that can be purchased on its own.
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PetPremium Coverage
PetPremium vs Nationwide both offer comprehensive coverage and wellness plans.
With both providers, in order to get full accident and illness coverage, you will need to choose the upper-tiered plans. Nationwide’s Whole Wellness with Pet which is extremel
y comprehensive as it even includes wellness, but you will pay for the added coverage.
Related: 10 Things You Must Know Before You Buy Pet Insurance
Pet Premium has two different coverage plans:
Accident-Only Coverage
With accident-only coverage, you will get reimbursed for only accidents and the treatment associated with it. While the premiums are lower, you are not reimbursed for any illness and therefore this plan can be limiting.
Total Coverage
The total coverage plan covers all accidents and illnesses. This is similar to most standard pet insurance policies but charges a higher premium.
Pet Premium two wellness plans:
PetPremium offers two optional wellness plans that can be added to your pet insurance policy for an additional fee:
The Basic Plan
You get reimbursed up to $250 for specific services (for $9.95 a month). Under this plan, you can get rabies vaccinations, deworming and vet exam coverage with a specific amount back for each service.
The Prime Plan
You get reimbursed up to $500 for more services (for $24.95 a month). Under this plan, you get reimbursed more for each service and it adds services to the basic plan such as flea vaccinations and more money towards dental cleaning.
Real Cost Savings from PetFirst Clients
Luna
PetFirst saved his parents
$6,712
A happy energetic Luna one morning couldn’t hold her food down. After months of multiple costly vet visits to specialists and an endoscopy, the problem was discovered and fixed. Luna put 22 pounds back on in no time and her parents were grateful for having PetFirst by their side to pay the bills.
Nationwide Coverage
Nationwide has two different coverage plans:
The Major Medical Plan
Their Major Medical plan is similar to most standard illness and accident coverage policies. Your pet will have coverage for diabetes, chronic illness, and hereditary issues. You can add wellness to this plan if interested.
With this plan, however, you don’t have a limit or cap on each incident or occurrence. For instance, if your dog has diabetes, you pay a deductible for that illness.
And if your dog gets injured, you pay another deductible.
It can get expensive and limits on coverage.
The Whole Pet with Wellness Plan
The Whole Pet Plan is really comprehensive as it has all accident and injury coverage as well as preventative care offers like annual physicals, vaccinations, and even heartworm prevention.
Hip dysplasia is also covered under this plan and while it’s very comprehensive, it can get pricey.
Their Pet Wellness Plan is similar to PetPremium’s with all an allowance of all routine care and procedures. This can be added to the Major Medical plan.
Nationwide also offers pet insurance plans for exotic pets from all birds to even hamsters.
This coverage is similar to an accident and illness policy to cover any unexpected injuries or sickness that could occur in your exotic pet.
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PetPremium vs Nationwide Benefit Limits Compared
When comparing benefit limits, PetPremium vs Nationwide only offer unlimited benefits under their most expensive plan. Both also offer only per-incident limits in the lower tied plans.
PetPremium does allow you to choose from many different benefit limits from $2,500 to unlimited.
These annual limits are only offered in PetPremium’s Accident Only and Total plans.
They have lower-tiered plans with per-incident limits for each injury or accident.
As with all benefit limits, if you want a lower premium, choose the lower benefit level options.
Nationwide is very similar to PetPremium in offering a cap on incidents or injuries in their lower-priced plans.
How this works is each incident or accident, there is a cap on how much they payout. If you have a dog that gets an ear infection and then a paw injury, you will have a dollar limit on how much can be spent.
Clearly, this is not as ideal as you could reach the maximum levels quickly.
Only Natio
nwide’s Whole Pet with Wellness plan offers no cap or unlimited benefits for all illness and injuries.
There are other pet insurance providers, like Healthy Paws, that offers unlimited benefits in all of their plans.
Real Cost Savings from PetFirst Clients
Gidget
PetFirst saved his parents
$2,194
Artemis was a beautiful and friendly cat to all who were willing to pet him. Unfortunately, he developed feline diabetes which required regular vet visits and medications that his Mother could not otherwise afford on her fixed income. Having PetFirst insurance, she called and discussed the problem with a friendly PetFirst agent. To her surprise, she found out that Artemis’ ongoing required vet visits and medication would be covered by his PetFirst insurance. Artemis was able to live out the rest of his life with proper medical care and medicines thanks to PetFirst insurance.
Nationwide vs Pet Premium Deductibles Compared
Bot PetPremium and Nationwide work on an annual deductible model which means you have to only meet the deductible once each year. PetPremium gives you a few more choices than Nationwide.
PetPremium offers annual deductibles from $100 to $250.
Nationwide only offers one annual deductible option of $100 in the Major Medical and Whole Pet with Wellness Plans. While this is a low and inexpensive deductible, it’s preferable to have options.
For instance, Embrace offers many choices of deductibles which can help lower premium rates.
Reimbursement Compared
PetPremium offers a few reimbursement choices while Nationwide only offers one and some are per-per-incident.
PetPremium works on an actual cost reimbursement model which is our preferred choice and has options from 70% to 90%.
With PetPremium’s wellness plans, you are reimbursed a certain allowance towards the specific routine procedures.
Nationwide’s Whole Pet with Wellness Plan has one reimbursement choice of 90%.
With Nationwide’s lower-priced plans, they are reimbursed on a benefit schedule which can be limiting.
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Pricing Pet Premium vs Nationwide Compared
PetPremium’s pricing is much more reasonable than Nationwide’s, especially in the more basic plans.
PetPremium is really on the lower end of pricing for their basic policies. The higher-end policies, however, are more in line with other pet insurance providers.
The starting monthly premium rates are as follows: $15 for dogs and $11 for cats.
If you enroll more than one pet or pay the entire year upfront, you can get a discount of 10%.
The average monthly premiums for dogs is $13 and for cats is $10.
The preventative care pricing is a monthly rate of $9.95 for the basic plan and $24.95 for the Prime Plan.
Nationwide’s plans are more comprehensive and more expensive.
Their Major Medical monthly premium rates are as follows: $32 for dogs and $19 for cats.
Their Whole Pet Plans’ monthly premium rates are expensive: $59 for dogs and $31 for cats! But, it does include wellness, so there is that.
5 % discounts are available if you have another home or renter insurance policy with Nationwide and if you enroll more than one cat or dog.
Sample Quotes For Nationwide Pet Insurance vs Pet Premium
All of these quotes when possible used the following factors in calculating the estimated pet insurance premium cost for your dog in 2021.
When possible the data we entered for these prices was as follows; a female, puppy under the age of 12 months, with unlimited coverage (or max offered when unlimited not an option), a $500 deductible, and 70% reimbursement. We did not include the wellness checkup add-on when available.
Keep in mind that insurance rates are ever-changing and what seems like minor changes such as, your zip code or breed can actually make a major impact on the cost of pet insurance.
These Pet Insurance Company Price charts are a good tool, not a guarantee of rates, do your own research before you buy.
*PetFirst first monthly payment has an additional $10-$15 startup fee, the number in this chart is the monthly cost after paying the first-month extra charge.
**Trupanion only offers 90% reimbursement, all other companies’ sample quotes are based on a 70% reimbursement policy which is why Trupanion may appear to cost more.
Nationwide Pet Insurance vs PetPremium – Small Mixed Breed Costs Compared
Company Monthly Premium
Pet Premium Insurance $45.01
Nationwide Pet Insurance $52.73
Medium Crossbred Dogs Price Differences For PetPremium Pet Insurance vs Nationwide
Company Monthly Premium
Pet Premium Insurance $45.01
Nationwide Pet Insurance $52.73
Comparison Of Cost For Large Mixed Breed Dogs – Nationwide vs Pet Premium
| Company | Monthly Premium |
|---|---|
| Pet Premium Insurance | $45.01 |
| Nationwide Pet Insurance | $66.71 |
Labrador Retriever Costs PetPremium Insurance vs Nationwide Insurance
Company Monthly Premium
Pet Premium Insurance $52.77
Nationwide Pet Insurance $77.47
German Shepherd Costs Pet Premium vs Nationwide
Company Monthly Premium
Pet Premium Insurance $52.12
Nationwide Pet Insurance $77.47
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Poodle Costs Nationwide Insurance vs PetPremium Pet Insurance
Company Monthly Premium
Pet Premium Insurance $46.51
Nationwide Pet Insurance $77.47
Beagle Costs Nationwide Pet Insurance vs Pet Premium
Company Monthly Premium
Pet Premium Insurance $49.04
Nationwide Pet Insurance $77.47
Dachshund Costs Nationwide vs PetPremium Insurance
| Company | Monthly Premium |
|---|---|
| Pet Premium Insurance | $46.78 |
| Nationwide Pet Insurance | $77.47 |
If the price of pet insurance is the only comparison then Pet Premium has lower costs than Nationwide.
Claims and Service Compared
Both PetPremium vs Nationwide have similar claims process.
Both Pet Premium vs Nationwide will reimburse you on the actual vet bill within 30 days.
PetPremium is a little antiquated as you can’t pay a claim directly on-line or be reimbursed via direct deposit.
Most of the providers have a mobile app from which you can fill out claims, pay a direct deposit and do all from the phone. Figo is one of the more tech-savvy providers.
Waiting Periods and Enrollment Compared
Both PetPremium vs Nationwide have similar enrollment and waiting period, although PetPremium allows older animals.
With PetPremium, you can enroll your puppies or kittens at 8 weeks old and the upper age limit is 12 for dogs and 14 for cats.
The Accident Only Policy allows pets of any age (which is typical of these plans)
The waiting period for accidents and illnesses are 14 days and a year for ligament issues.
With Nationwide, you can enroll your puppies and kittens at 6 weeks old. The upper age limit, however, is 10. But, if you enrolled your pet prior to his or her 10th birthday, you won’t lose your coverage.
Nationwide similarly has a 14 day waiting period for accident and illness.
Nationwide does offer an around-the-clock pet helpline for any questions you might have about your pet.
With both PetPremium and Nationwide, their wellness plans start 24 hours after your policy begins.
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Summing Up Nationwide vs. Pet Premium
Both PetPremium and Nationwide do offer similar policies and wellness plans. Both tend to make you reach for the higher premium plans to receive all the care necessary for your pet.
With PetPremium, if you just want basic, inexpensive coverage, then their lower-tiered plan is a good option.
You can find more information on their respective sites: PetPremium and Nationwide.
If you’re looking for more comparisons, check out our Nationwide vs. Embrace comparison.
We do have other pet insurance providers who offer you more coverage for a better price in our top 10 pet insurance companies for 2020. It’s always good to get a few quotes before making a decision.
Other articles you may find helpful:
Is Exotic Pet Insurance Necessary?
The Best Pet Insurance By State
Fun Facts, Dog FAQ, And Unsolicited Dog Advice
5 Training Commands to Save Your Dog’s Life
The Ultimate Guide to Safe Foods for Dogs
You may find helpful one of our other Best Pet Insurance Reviews which include over 35 top insurers compared with cheap and affordable pet insurance and discounted mixed breed pet insurance.
Pet Insurance Companies Vs Compared
Healthy Paws vs. Embrace Pet Insurance
Frequently Asked Questions
What is the coverage comparison between PetPremium and Nationwide pet insurance?
Both PetPremium and Nationwide offer comprehensive coverage, including accident and illness coverage. Additionally, both provide optional wellness plans. PetPremium has Accident-Only and Total Coverage plans, while Nationwide has Major Medical and Whole Pet with Wellness plans.
How do benefit limits compare between PetPremium and Nationwide?
Both PetPremium and Nationwide offer unlimited benefits only in their most expensive plans. Lower-tiered plans have per-incident limits. PetPremium allows choosing benefit limits from $2,500 to unlimited, while Nationwide’s Whole Pet with Wellness plan has no cap on benefits.
What are the deductible options with PetPremium and Nationwide?
Both PetPremium and Nationwide operate on an annual deductible model. PetPremium offers deductibles ranging from $100 to $250. Nationwide has a fixed annual deductible of $100 for its Major Medical and Whole Pet with Wellness plans.
How does reimbursement differ between PetPremium and Nationwide?
PetPremium offers reimbursement choices ranging from 70% to 90%, using an actual cost reimbursement model. Nationwide’s Whole Pet with Wellness Plan has a single reimbursement option of 90%, while lower-tiered plans are reimbursed on a benefit schedule, which can be limiting.
What is the pricing comparison between PetPremium and Nationwide?
PetPremium generally has more reasonable pricing, especially in basic plans. PetPremium’s starting monthly premiums are lower, with discounts available for multiple pets or annual upfront payments. Nationwide’s plans are more comprehensive but come with higher premiums, with discounts for additional policies and multiple pets.
How do PetPremium and Nationwide handle claims and service?
Both PetPremium and Nationwide reimburse actual vet bills within 30 days. PetPremium’s claims process is slightly more traditional, lacking online payment or direct deposit options. Nationwide offers a pet helpline for questions. Both have similar waiting periods and enrollment processes, with PetPremium allowing enrollment for older animals.
Is there a sample quote comparison between Nationwide and Pet Premium for different breeds?
Yes, sample quotes for various breeds are provided, highlighting the cost differences. PetPremium generally appears to have lower costs compared to Nationwide.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
We are a free online resource for anyone interested in learning more about pet insurance. Our goal is to be an objective, third-party resource for everything pet insurance related. We update our site regularly, and all content is reviewed by pet insurance experts.