When it comes to finding great insurance covered for your pets, there are lot of options to pick from. There are so many options, in fact, that the choice can sometimes feel overwhelming.
If you’ve done any research, odds are good that you’ve seen Nationwide pop up as one of the top insurance options in the pet space.
While their service is highly-rated, they’re not always the best fit or choice for everyone.
If you’re looking for some great alternatives to the Nationwide Pet Insurance program, then this article is for you.
Below, we’re going to detail three of the top alternatives to Nationwide, so you can find the coverage and policy that is the best fit for you and your pet.
Top 3 Competitors to Nationwide Pet Insurance for 2023
- Health Paws
- Petplan
- Embrace
1. Healthy Paws
Healthy Paws is a known leader in the pet insurance space [1], and they have been a trusted provider since 2009. On top of that, a percentage of their proceeds goes directly to helping pets in need.
They have some of the most comprehensive coverage and affordable prices available [2], so if you’re looking for one of the top Nationwide alternatives, Healthy Paws is a great place to start.
Monthly Premiums
- Cats: Starts at $15/month
- Dogs: Starts at $20/month
Deductible
Healthy Paws’ deductible currently ranges from $100 to $1,000, depending on the plan you choose to enroll in.
Reimbursement
Healthy Paws promises to reimburse 50% to 90% of the customer’s annual costs.
Age Limits
Healthy Paws features an 8 weeks age minimum, with 14 years being the maximum age they will currently accept.
Who Should Consider Healthy Paws?
If you’re looking for one of the best alternatives to Nationwide, then Healthy Paws is definitely worth having on your list. One of our favorite parts about recommending Healthy Paws? The fact that they’re dedicated to giving back. Not only do they offer great coverage for your pet, but you can also feel good knowing that a percentage of your monthly payment is going to a good cause.
Learn more and check latest Healthy Paws prices here.
2. Petplan
Petplan is another top choice of SuperPets.us, and that’s because they offer comprehensive pet coverage, that is both reliable and affordable [3].
Here are a few details [4] that may make Petplan the best fit for your pet insurance needs:
Monthly Premiums
- Cats: Starts at $19.66/Month
- Dogs: Starts at $19.66/Month
Deductible
- Minimum Available: $100
- Maximum Available: $1,000
Reimbursement
When you enroll in Petplan, they will pay percentage of your veterinarian bill, based on formulas that they calculated ahead of time.
The current reimbursement percentages are 70%, 80%, and 90%.
Another reason to consider Petplan? You have the option of having them pay your veterinarian directly.
Age Limits
The only age requirement for successfully enrolling with Petplan is that your pet be at least 6 weeks old.
Who Should Consider Petplan?
If you’re looking for a reputable and reliable insurer for your pet, then Petplan is worthy of putting on your list. It’s a viable, and proven alternative to Nationwide, and is even a preferred provider of the American Animal Hospital Association.
They also feature very competitive monthly pricing, deductible options that should fit most budgets, and flexible reimbursement and benefit options.
Learn more and check their latest prices here.
3. Embrace
Embrace Pet Insurance is known for having an extremely high customer satisfaction rating [5], and while their plans are bit more expensive than some of the other options, some would say you get what you pay for.
Here are the features you can expect, should you decide to sign up with Embrace:
Monthly Premiums
- Cats: Starts at $3.00/Month
- Dogs: Starts at $6.00/Month
Deductible
If you chose to enroll with Embrace, you will see that you have several deductible options to pick from.
These currently include:
- $100
- $200
- $300
- $500
- $1,000
As an added bonus, they feature a program called “Healthy Pet Deductible.” You can expect your deductible to drop by $50 every year that you are not reimbursed for a claim.f
Reimbursement
Embrace’s reimbursement coverage ranges from 70% to 90% of the total bill. If you opt for the lower reimbursement range, then you can expect your premiums to cost less.
Age Limits
Embrace is currently accepting pets who are at least 6 weeks old, but no older than 15 years at the time of enrollment.
Who Should Consider Embrace?
If you’re a person who values the feedback of others, then Embrace is a pet insurance option to consider. They have a very high customer satisfaction rating, meaning that, in general, people have been happy with their Embrace experience.
They also have a number of different deductible options, and you can always earn a discounted premiums, insuring multiple pets or using their active or retired military discount which is available in most states.
Learn more and check their current coverage options here.
What’s the Cheapest Nationwide Alternative?
While we don’t always recommend going with the cheapest option when it comes caring for you pet, if you’re wanting to go directly for the biggest money savings, then we’d recommend starting with Petplan.
In all honesty, though, all of the pet insurance options on our list are pretty comparable in price, when you examine their monthly premiums and deductible options.
Ultimately, we recommend taking a close look at the features that each one provides, along with the price, before deciding which one is going to be your best fit.
Summary
When it comes to finding a solid alternative to Nationwide’s Pet Insurance program, the three companies we’ve outlined above are all great places to start.
They all have similar deductible and monthly payment options, and each one offers excellent coverage for your pet(s).
While the choice of insuring your pet is one you’ll have to make on your own, we hope that you’re more equipped to make a more educated decision based on the information we’ve provided about Healthy Paws, Petplan, and Embrace pet insurance.
If you’re looking for a good place to start, then we’d recommend starting with Healthy Paws, and then working your way down the list if they don’t happen to check all the boxes for you.
Learn more and check latest Healthy Paws plans here.
Resources
- Jill Schensul, Pet insurance is now booming, NorthJersey.com. Retrieved form https://www.northjersey.com/story/money/2017/01/30/pet-insurance-now-booming/96336316/
- Is Pet Insurance Worth it? Healthy Paws. Retrieved from https://www.healthypawspetinsurance.com/pet-insurance-worth-the-cost
- Petplan Pet Insurance Review, ConsumersAdvocate. Retrieved from https://www.consumersadvocate.org/pet-insurance/c/pet-plan-review
- How much does pet insurance cost? Petplan. Retrieved from https://www.gopetplan.com/blogpost/pet-insurance-cost
- Embrace Pet Insurance, ConsumerAffairs. Retrieved from https://www.consumeraffairs.com/pets/embrace-pet-insurance.html
