Petplan vs. Nationwide

Nationwide doesn’t come close to what Petplan offers

Petplan’s comprehensive pet insurance includes the hereditary conditions Nationwide charges you extra for and unlike Nationwide, we do not limit your pet’s treatment coverage based on your pet’s age. Our plan also covers boarding fees which Nationwide refuses to cover at all.

Petplan’s one simple plan covers what Nationwide does not, including:

  • Sick visit exam fees — saving you on average $50-$250 per vet visit
  • Up to $1,000 in virtual vet visits (video chat, call or text)
  • Comprehensive dental illness and disease 
  • Up to $1,000 in behavioral therapy and medicine

Enroll your pet today > >

Petplan vs. Nationwide comparison

  Petplan Nationwide
What's Covered    
Sick visit exam fees (Average cost $50-250)   Plan dependent
Virtual vet visits    
Dental illness & disease   Plan dependent
Boarding fees    
Policy Differences    
Upper age limit for enrollment None None
Sign-up fee $0 $0
Cruciate coverage waiting period 6 months 12 months

Information last updated July 2020.

  •   Covered
  •   Not Covered

Petplan is the industry leader for dental coverage

Petplan covers every tooth against accidents and illnesses such as the common periodontal disease — with no broad condition exclusions. 

If you want that same level of protection with Nationwide, you’ll need to pay for their most expensive plan. Conditions like gingivitis are not covered in all plans.   

Petplan offers more coverage for older pets

Unlike Nationwide, Petplan has no age restrictions on conditions. All pets, regardless if they are young or old, receive the same coverage for injuries and illnesses.

Nationwide's plan won't cover surgical treatment of cataracts in dogs under the age of 7.

Petplan loves pets of all ages, which is why we welcome — and don’t limit treatment for — even the most senior dogs and cats. 

Petplan covers exam fees

Every vet visit requires and exam, but not all providers will cover the attached fee.

Petplan covers the full sick visit, including exam fee — saving you $50-$250 per visit.

Only select Nationwide plans cover the exam fees.

petplan vs nationwide exam fee coverage

Petplan offers better ligament and joint coverage

Petplan covers cruciate ligament injuries after 6 months, but waives this waiting period in the first 30 days if your vet has deemed your pet’s knees healthy.

Nationwide makes your pet wait 12 months for this coverage — that’s twice as long.

Nationwide also provides limited coverage for certain bone or joint conditions associated with hip dysplasia, elbow dysplasia, patellar luxation/subluxation, osteochondritis dissecans, or any fracture, luxation or subluxation associated with aseptic necrosis of a femoral head on their cheaper plans.

petplan vs nationwide joint and cruciate coverage

Petplan includes hereditary conditions

Petplan doesn't exclude hereditary conditions for certain breeds on any plan.

Many of Nationwide’s plans exclude hereditary conditions by breed, such as degenerative myelopathy for Labradors and Golden Retrievers, deafness in Rottweilers and mitral or tricuspid valve degeneration in Cavalier King Charles Spaniels.

The only time Petplan will not cover a hereditary condition is when it’s a pre-existing condition, which no pet insurance provider will cover. 

Petplan’s extras don’t cost extra

Petplan also covers up to $1,000 per year for each of the following:

  • Boarding should you require hospitalization for 4 days or more
  • Virtual visits

With Petplan, these benefits are included at no extra charge. There is no co-pay or deductible and best of all, you can pick any vet in the US or Canada.

Nationwide doesn't cover boarding fees, so if you require hospitalization and need to board your pet, you’ll have to pay out of pocket. If your vet office is closed or you can’t make it in, Nationwide would not cover any online consultation.

petplan vs nationwide coverage difference

Petplan’s sole focus is on your pet

Petplan has remained committed to our one true passion: protecting pets like yours. We focus solely on pets, because nothing should come before your best friend. 

In addition to pet insurance, Nationwide handles homeowners, renters, auto, travel and life insurance. The small convenience Nationwide offers in bundling your various insurance policies sacrifices your pet’s coverage.

Petplan makes pet insurance easy

Petplan’s one simple plan offers the most comprehensive coverage — there’s no need for expensive add-ons or plan options.  

Nationwide makes you choose from three confusing plans. These choices can make it difficult for pet parents to understand what each covers and what the best choice is for their family.

Petplan has flexible deductible options

Petplan allows you to customize your annual deductible — and lower your premium — with deductible choices ranging from $250 to $1,000.

Nationwide only offers two deductible choices: $100 and $250.

Petplan reimburses more money

Petplan reimburses up to 90% of unexpected vet bills for new accidents and illnesses.

Some of Nationwide’s plans use a complicated benefit schedule to determine your annual coverage for specific accidents, illnesses and hereditary conditions. This limits how much you can get back for certain conditions, regardless of how much they actually cost to treat. Petplan pays you back up to 90% of the exact bill.

Petplan offers the most comprehensive pet insurance

When it comes to protecting your furry loved one from the unexpected, only one provider will do — Petplan. While other plans may appear cheaper, the most comprehensive coverage will ultimately save you more money on vet bills throughout your pet’s life.

Enroll your pet today > >





Policy terms and conditions vary. Policyholders should refer to their specific terms and conditions  for more details.

Wiggs R, Lobprise H. (1997). Periodontology. In Veterinary Dentistry: Principles and Practice (pp. 186-231). Philadelphia, PA: Lippincott Raven.

Based on a comparison of Trupanion core policy coverage as of June, 2020.

Virtual visits are referred to in the policy as Telehealth treatments. Petplan will reimburse up to $1,000 for medically necessary telehealth treatments. Coverage is not available in all states and may vary.

Hip dysplasia coverage may be subject to limitations based on pet age at policy inception or renewal.

A 6-month exclusionary period for soft tissue disorders or injuries of the knees will also be waived if the knees are certified as healthy by a veterinarian within the first 30 days of the policy. Exclusions on pre-existing conditions and policy waiting period apply.