ASPCA ranks higher than Nationwide overall in our pet insurance analysis, coming in fifth nationally for dogs and ninth for cats. Nationwide trails at 14th for dogs and 11th for cats. Pet owners focused on lower monthly costs and wider coverage options may find ASPCA a better fit. Nationwide, on the other hand, may appeal more to those who prioritize customer support and service experience.
Nationwide vs. ASPCA Pet Insurance
Updated: March 16, 2026
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Nationwide vs. ASPCA Pet Insurance: Key Takeaways
ASPCA offers lower pet insurance rates, with monthly premiums of $31 for middle-aged cats and $48 for middle-aged dogs. Nationwide charges $52 per month for cats and $101 for dogs.
Nationwide ranks fourth nationally in customer experience for both cats and dogs, with a strong Trustpilot rating of 4.4 out of 5 stars, surpassing ASPCA's sixth place ranking and 3.6 rating.
ASPCA has more comprehensive coverage than Nationwide, featuring hereditary conditions in its base plan, plus unlimited coverage and no upper age limits during enrollment.
Is Nationwide or ASPCA Pet Insurance Better?
| Cat | Affordability | ASPCA | 7 | 13 |
| Cat | Coverage | ASPCA | 8 | 9 |
| Cat | Customer Experience | Nationwide | 4 | 6 |
| Cat | Overall Score | ASPCA | 9 | 11 |
| Dog | Affordability | ASPCA | 2 | 14 |
| Dog | Coverage | ASPCA | 8 | 9 |
| Dog | Customer Experience | Nationwide | 4 | 6 |
| Dog | Overall Score | ASPCA | 5 | 14 |
How We Decided the Winning Pet Insurance Provider
All scores reflect average pricing and customer experience data for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll, based on a $500 deductible, $5,000 annual coverage limit and an 80% reimbursement rate.
See which pet insurance providers fit different budgets, coverage needs and priorities:
Nationwide and ASPCA Comparison by State
ASPCA beats Nationwide for the best pet insurance company for both dogs and cats in 50 states.
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How We Decided the Winning Pet Insurance Provider by State
All scores presented here were based on averages for experiences and pricing for a 6-year-old Labrador Retriever and 7-year-old Ragdoll, with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Nationwide vs. ASPCA Pet Insurance Cost
Based on our pet insurance cost study, ASPCA offers lower rates than Nationwide in six of eight cost categories, with savings reaching 59% for puppies and 57% for kittens. Nationwide is more affordable only for senior pets, with rates 23% cheaper for senior cats and 15% cheaper for senior dogs.
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| Kittens | ASPCA | $14 | 57% |
| Young Cats | ASPCA | $20 | 48% |
| Puppies | ASPCA | $25 | 59% |
| Middle Aged Cats | ASPCA | $31 | 42% |
| Young Dogs | ASPCA | $31 | 55% |
| Middle Aged Dogs | ASPCA | $48 | 53% |
| Senior Cats | Nationwide | $57 | 23% |
| Senior Dogs | Nationwide | $99 | 15% |
How We Decided the Winning Pet Insurance Provider
All rates presented here were based on averages for pricing for Labrador Retrievers and Ragdolls from the age of less than 1 years old up to 20 years of age across 50 states.
Nationwide vs. ASPCA Pet Insurance Cost by State
ASPCA offers the cheapest pet insurance when compared to Nationwide in all 50 states for kittens, puppies, and young and middle-aged pets. Nationwide is more affordable than ASPCA across the country for senior cats and senior dogs.
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Middle Aged Dogs
| Alabama | ASPCA | $35 | 53% |
| Alaska | ASPCA | $47 | 52% |
| Arizona | ASPCA | $58 | 52% |
| Arkansas | ASPCA | $32 | 53% |
| California | ASPCA | $60 | 53% |
| Colorado | ASPCA | $60 | 52% |
| Connecticut | ASPCA | $55 | 52% |
| Delaware | ASPCA | $48 | 52% |
| Florida | ASPCA | $54 | 52% |
| Georgia | ASPCA | $43 | 53% |
| Hawaii | ASPCA | $48 | 52% |
| Idaho | ASPCA | $48 | 53% |
| Illinois | ASPCA | $59 | 52% |
| Indiana | ASPCA | $43 | 53% |
| Iowa | ASPCA | $40 | 53% |
| Kansas | ASPCA | $44 | 53% |
| Kentucky | ASPCA | $38 | 53% |
| Louisiana | ASPCA | $39 | 53% |
| Maine | ASPCA | $58 | 52% |
| Maryland | ASPCA | $47 | 52% |
| Massachusetts | ASPCA | $62 | 53% |
| Michigan | ASPCA | $48 | 52% |
| Minnesota | ASPCA | $50 | 53% |
| Mississippi | ASPCA | $41 | 53% |
| Missouri | ASPCA | $38 | 53% |
| Montana | ASPCA | $40 | 52% |
| Nebraska | ASPCA | $43 | 53% |
| Nevada | ASPCA | $50 | 53% |
| New Hampshire | ASPCA | $56 | 53% |
| New Jersey | ASPCA | $54 | 52% |
| New Mexico | ASPCA | $42 | 53% |
| New York | ASPCA | $52 | 52% |
| North Carolina | ASPCA | $43 | 53% |
| North Dakota | ASPCA | $37 | 53% |
| Ohio | ASPCA | $44 | 52% |
| Oklahoma | ASPCA | $40 | 53% |
| Oregon | ASPCA | $59 | 52% |
| Pennsylvania | ASPCA | $50 | 53% |
| Rhode Island | ASPCA | $42 | 53% |
| South Carolina | ASPCA | $45 | 53% |
| South Dakota | ASPCA | $42 | 53% |
| Tennessee | ASPCA | $44 | 53% |
| Texas | ASPCA | $51 | 52% |
| Utah | ASPCA | $46 | 53% |
| Vermont | ASPCA | $45 | 52% |
| Virginia | ASPCA | $51 | 53% |
| Washington | ASPCA | $55 | 53% |
| West Virginia | ASPCA | $41 | 53% |
| Wisconsin | ASPCA | $51 | 52% |
| Wyoming | ASPCA | $44 | 53% |
How We Decided the Winning Pet Insurance Provider by State
All rates presented here were based on average pricing for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll.
Nationwide vs. ASPCA Pet Insurance Discounts
ASPCA offers more pet insurance discounts than Nationwide, with four options compared to Nationwide's three. Both providers reward multiple pet owners and employer group plan members, but ASPCA adds discounts for association members and veterinary staff, while Nationwide offers a discount exclusive to existing customers.
Multiple pets | Save 5% when you insure two or more pets with Nationwide. | 10% on each additional pet's base premium when you enroll with ASPCA. |
Existing customer | Existing Nationwide insurance customers get 5% off when they buy a new pet policy. | None. |
Employer group plan | Save 10% when coverage is purchased through an employer benefit program or association. | Save 10% on pet insurance for joining a participating employer's benefit program. |
Association | None. | 10% discount for members of certain associations, such as REALTOR benefits programs. |
Veterinary staff | None. | Employees of veterinary practices get 10% off on pet insurance. |
Nationwide vs. ASPCA Pet Insurance Customer Experience
Nationwide ranks two spots higher than ASPCA in our national customer service analysis. It also holds a higher Trustpilot rating and receives more positive feedback on Reddit for its responsive representatives and clear coverage terms.
Nationwide vs ASPCA Trustpilot ratings
Nationwide scores higher on Trustpilot with a 4.4 out of 5 rating compared to ASPCA's 3.6 out of 5. Pet owners praise both companies for easy-to-use apps and responsive customer service, but Nationwide reviewers report faster claim processing and more straightforward reimbursements. ASPCA customers more often report claim denials and rising premiums, though the company replies to 93% of negative reviews.
Nationwide vs ASPCA BBB ratings
Nationwide maintains an A+ rating with full accreditation from the Better Business Bureau, which is identical to ASPCA's A+ rating and accredited status. These ratings reflect strong complaint handling, transparency and ethical business practices for both providers. The equal BBB standings indicate both companies meet high standards for trustworthiness and customer dispute resolution.
Nationwide vs ASPCA Pet Insurance Reddit Sentiment
Nationwide holds higher positive Reddit sentiment than ASPCA, with 43% positive feedback from 14 comments compared to ASPCA's 36% positive sentiment from 11 comments. Reddit users praise Nationwide for responsive customer service and clear policy terms, while criticism centers on claim denials, slow processing and coverage gaps. ASPCA draws similar mixed feedback, with users pointing to helpful representatives and straightforward policy language on the positive side, but frequent complaints about claim denials and inconsistent response times from customer service.
Nationwide vs. ASPCA Pet Insurance Coverage
ASPCA has more comprehensive pet insurance coverage than Nationwide, ranking eighth for both pets, while Nationwide lags behind by one spot. ASPCA wins for covering hereditary and congenital conditions in its base plan without requiring optional add-ons. Additionally, it offers unlimited coverage and no upper age restrictions during enrollment.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | Only covers prevention through an optional add-on | Only covers prevention through an optional add-on |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | Only provides coverage through an optional add-on | ✓ |
Congenital conditions | Only provides coverage through an optional add-on | ✓ |
Chronic conditions | ✓ | ✓ |
Only provides coverage through an optional add-on | ✓ | |
$250, $500, $1,000 | $100, $250, $500 | |
$2,500, $5,000, $10,000 | $2,500, $5,000, $7,000, $10,000, Unlimited | |
50%, 70%, 80% | 70%, 80%, 90% | |
2 days for accidents, 14 days for illnesses, 12 months for cruciate ligament conditions | 14 days for accidents, illnesses and knee or ligament conditions | |
Age restrictions | Cats aged 8 years old and above are not eligible for hereditary coverage | No upper age limits |
Pre-existing conditions | Curable pre-existing conditions may be eligible if cured and symptom-free for six months | Curable conditions may be eligible after 180 symptom‑free days |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Nationwide vs. ASPCA Pet Insurance Add-ons
Nationwide offers two optional add-ons for expanding your base coverage:
- Wellness coverage: Covers physical exams, vaccines, heartworm or FeLV/FIV tests, deworming, microchipping and health certificates, with annual benefit amounts of either $450 or $800.
- Hereditary and Congenital Condition coverage: Covers hereditary and congenital conditions such as hip dysplasia, patellar luxation, collapsed trachea and Wobblers syndrome.
In contrast, ASPCA's one add-on focuses on routine care, providing coverage for wellness exams, vaccines, flea and tick prevention, heartworm testing and prevention, routine blood work, urinalysis, fecal testing, and dental cleaning.
Nationwide vs. ASPCA Pet Insurance: Bottom Line
ASPCA outperforms Nationwide in our overall comparison by combining lower rates with broader coverage. Premiums start at $31 per month for middle-aged cats and $48 for dogs, making it the more affordable option. Nationwide, however, may suit pet owners who prioritize service. The company maintains a 4.4 out of 5 Trustpilot rating and an A+ BBB rating.
Review other leading pet insurance providers to find the right fit for your pet:
Nationwide vs. ASPCA Pet Insurance Comparison: FAQ
Compare Nationwide and ASPCA pet insurance through these common questions:
Which is cheaper: Nationwide vs ASPCA pet insurance?
ASPCA is cheaper than Nationwide for most pet categories across all 50 states. ASPCA charges $31 monthly for middle-aged cats versus Nationwide's $52, and $48 for middle-aged dogs compared to Nationwide's $101. However, Nationwide offers better rates for senior pets in all states.
Which has better customer service: Nationwide vs ASPCA pet insurance?
Nationwide earns higher marks for customer service, with a 4.4 out of 5 rating on Trustpilot and an A+ grade from the Better Business Bureau. ASPCA, by comparison, holds a 3.6 out of 5 Trustpilot rating along with its own A+ BBB grade.
Which offers better coverage: Nationwide vs ASPCA pet insurance?
ASPCA offers better coverage than Nationwide, covering hereditary and congenital conditions in its base plan. ASPCA also has unlimited coverage for those who don't want to worry about exceeding yearly caps on their policies.
Does Nationwide vs ASPCA cover pre-existing conditions?
Nationwide covers curable pre-existing conditions after your pet remains symptom-free for six months. ASPCA may also cover curable conditions 180 symptom-free days.
Can I get discounts with both Nationwide vs ASPCA pet insurance?
Yes, both Nationwide and ASPCA offer pet insurance discounts. Nationwide rewards multi-pet households, existing customers and employer group plan members. ASPCA provides savings for multiple pets, employer group plans, association members and veterinary staff.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Trustpilot. "Nationwide Pet Insurance ." Accessed March 24, 2026.
- Trustpilot. "ASPCA Pet Health Insurance ." Accessed March 24, 2026.
- Better Business Bureau. "Nationwide." Accessed March 24, 2026.
- Better Business Bureau. "PTZ Insurance Agency, Ltd." Accessed March 24, 2026.