ASPCA delivers better pet insurance coverage than Nationwide for both cats and dogs, ranking eighth nationally while Nationwide ranks ninth. ASPCA offers more flexible deductible options and shorter accident waiting periods, though both providers feature similar annual coverage limits and reimbursement rates of up to 90%.
Nationwide vs. ASPCA Pet Insurance
Updated: November 3, 2025
Advertising & Editorial Disclosure
Nationwide vs. ASPCA Pet Insurance: Key Takeaways
ASPCA provides more affordable pet insurance rates, with monthly premiums of $31 for middle-aged cats and $48 for middle-aged dogs, while Nationwide charges $52 and $101 respectively.
Nationwide ranks fourth nationally in customer experience for both cats and dogs, with a strong Trustpilot rating of 4.4 out of 5.0 stars, surpassing ASPCA's sixth place ranking and 3.7 star rating.
ASPCA ranks eighth nationwide for coverage compared to Nationwide's ninth place position, offering accident coverage after a 14 day waiting period and wellness care add ons for routine visits.
Is Nationwide or ASPCA Pet Insurance Better?
Data filtered by:
Dog
| Affordability | ASPCA | 2 | 14 |
| Coverage | ASPCA | 8 | 9 |
| Customer Experience | Nationwide | 4 | 6 |
| Overall Score | ASPCA | 5 | 14 |
Nationwide and ASPCA Comparison by State
ASPCA is the best pet insurance company in three states for dogs and one state for cats. The provider leads dog coverage in Nevada, Oklahoma and South Dakota, while ranking first for cat insurance in South Carolina.
Data filtered by:
Overall Score
Dog
| Alabama | ASPCA | 5 | 8 |
| Alaska | ASPCA | 7 | 6 |
| Arizona | ASPCA | 5 | 6 |
| Arkansas | ASPCA | 7 | 7 |
| California | ASPCA | 5 | 6 |
| Colorado | ASPCA | 5 | 6 |
| Connecticut | ASPCA | 5 | 6 |
| Delaware | ASPCA | 6 | 6 |
| Florida | ASPCA | 5 | 9 |
| Georgia | ASPCA | 5 | 8 |
| Hawaii | ASPCA | 6 | 6 |
| Idaho | ASPCA | 5 | 9 |
| Illinois | ASPCA | 5 | 7 |
| Indiana | ASPCA | 5 | 9 |
| Iowa | ASPCA | 5 | 9 |
| Kansas | ASPCA | 6 | 8 |
| Kentucky | ASPCA | 7 | 6 |
| Louisiana | ASPCA | 5 | 9 |
| Maine | ASPCA | 8 | 6 |
| Maryland | ASPCA | 7 | 7 |
| Massachusetts | ASPCA | 5 | 7 |
| Michigan | ASPCA | 5 | 8 |
| Minnesota | ASPCA | 5 | 8 |
| Mississippi | ASPCA | 5 | 8 |
| Missouri | ASPCA | 5 | 9 |
| Montana | ASPCA | 6 | 8 |
| Nebraska | ASPCA | 6 | 8 |
| Nevada | ASPCA | 4 | 10 |
| New Hampshire | ASPCA | 6 | 5 |
| New Jersey | ASPCA | 7 | 4 |
| New Mexico | ASPCA | 5 | 8 |
| New York | ASPCA | 5 | 7 |
| North Carolina | ASPCA | 5 | 8 |
| North Dakota | ASPCA | 6 | 8 |
| Ohio | ASPCA | 5 | 6 |
| Oklahoma | ASPCA | 4 | 10 |
| Oregon | ASPCA | 5 | 6 |
| Pennsylvania | ASPCA | 5 | 9 |
| Rhode Island | ASPCA | 5 | 9 |
| South Carolina | ASPCA | 8 | 5 |
| South Dakota | ASPCA | 4 | 10 |
| Tennessee | ASPCA | 5 | 9 |
| Texas | ASPCA | 5 | 9 |
| Utah | ASPCA | 5 | 7 |
| Vermont | ASPCA | 7 | 7 |
| Virginia | ASPCA | 5 | 7 |
| Washington | ASPCA | 6 | 8 |
| West Virginia | ASPCA | 5 | 9 |
| Wisconsin | ASPCA | 5 | 6 |
| Wyoming | ASPCA | 7 | 7 |
Nationwide vs. ASPCA Pet Insurance Cost
ASPCA offers more affordable pet insurance than Nationwide across most age groups for both cats and dogs. For middle-aged dogs, ASPCA costs $48 per month compared with Nationwide's $101. Middle-aged cats cost $31 monthly with ASPCA versus $52 with Nationwide. Nationwide only beats ASPCA for senior pets.
Learn how much pet insurance costs across different age categories.
Data filtered by:
Select
| 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% |
Nationwide vs. ASPCA Pet Insurance Cost by State
ASPCA provides the cheapest pet insurance across most categories, leading in pricing for middle-aged dogs, middle-aged cats, puppies, kittens and young pets in all states. Nationwide only offers lower rates for senior cats and senior dogs nationwide.
Data filtered by:
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% |
Nationwide vs. ASPCA Pet Insurance Discounts
Nationwide and ASPCA both provide multiple ways to save on pet insurance discounts, including multi-pet and employer group discounts. While Nationwide offers bundling benefits for current policyholders, ASPCA extends savings through its workplace and multi-pet programs. The table below outlines how their discounts compare.
Save about 5% per pet when insuring two to three pets, and up to 10% when you cover four or more pets. | Save around 10% on each additional pet when you enroll multiple pets in coverage. | |
Bundling | Policyholders with existing Nationwide auto, renters or homeowners insurance may qualify for a 5% discount on pet coverage. | None |
Annual Pay-In-Full | May be available depending on plan and state. | May be available depending on plan and state. |
Association/Club Member | Members of participating organizations or groups may qualify for limited-time partner discounts. | Employees of participating organizations receive 10% off through workplace enrollment programs. |
Employer Group | Offered as part of Nationwide’s voluntary employee benefits program with preferred pricing. | Employer group members can access a 10% discount on base policy rates. |
Nationwide vs. ASPCA Pet Insurance Customer Experience
Nationwide delivers better customer experience than ASPCA, ranking fourth nationally for both dogs and cats compared to ASPCA's tenth-place position. Both providers maintain A+ BBB ratings, but Nationwide shows stronger customer satisfaction with higher Trustpilot scores. The six-rank difference demonstrates Nationwide's superior service quality across all pet insurance interactions.
Nationwide vs ASPCA Trustpilot ratings
Nationwide earns a higher Trustpilot rating at 4.4 out of 5.0 compared to ASPCA's 3.7 out of 5.0 from verified customers. Nationwide's reviews often highlight responsive customer service and reliable claims processing, while ASPCA receives mixed feedback on service consistency. The 0.7-point difference suggests stronger overall customer satisfaction with Nationwide's insurance experience.
Nationwide vs ASPCA BBB ratings
Both Nationwide and ASPCA maintain identical A+ BBB ratings with full accreditation, compared 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
We analyzed Reddit discussions and found Nationwide performed better with 43% positive sentiment from 14 total comments (6 positive, 8 negative). ASPCA received 36% positive feedback from 11 comments (4 positive, 7 negative). The sentiment analysis suggests Nationwide generates more favorable customer discussions, though both providers show mixed feedback on social platforms.
Nationwide vs. ASPCA Pet Insurance Coverage
ASPCA offers better pet insurance coverage for dogs and cats than Nationwide, ranking sixth nationally while Nationwide ranks eighth. Both companies provide comparable options for deductibles, annual limits and reimbursement rates, but ASPCA has a shorter waiting period for accidents, more coverage selection flexibility and allows pet owners to change their coverage within the first 14 days of purchase.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | ✓ | ✓ |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$250, $500, $1,000 | $100, $250, $500 | |
$2,500 to $10,000 depending on plan | $2,500 to $10,000 or more depending on plan | |
50%, 70%, 90% | 70%, 80%, 90% | |
14 days for accidents and illnesses | 14 days for accidents and illnesses | |
Age restrictions | Enrollment for illness coverage typically limited to younger pets | Enrollment may vary by pet’s age and plan type |
Not covered | Not covered | |
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
Both Nationwide and ASPCA offer optional add-ons to increase your pet’s financial protection. Their wellness plans and preventive options help cover the cost of regular vet visits, exams, and preventive care not included in base accident-and-illness plans.
Nationwide Pet Insurance Add-ons
- Wellness or preventive care add-on: Covers routine checkups, vaccines, blood tests, parasite screening, dental cleaning, and flea/tick medication).
- Modular plan enhancements: Allows policyholders to add wellness and hereditary condition riders to tailor coverage for their pet’s needs.
ASPCA Pet Insurance Add-ons
- Preventive care coverage: Available as an optional add-on for routine exams, vaccines, blood tests, heartworm testing, and parasite prevention.
- Complete Coverage enhancements: Higher-tier ASPCA plans can include exam fees, behavioral condition treatments, and alternative therapies such as acupuncture and chiropractic care.
Nationwide vs. ASPCA Pet Insurance: Bottom Line
ASPCA beats Nationwide overall, offering more affordable rates and broader coverage options. ASPCA's premiums start at just $31 per month for middle-aged cats and $48 for dogs, making it the budget-friendly choice. ASPCA also provides more comprehensive coverage benefits for common pet health issues. However, Nationwide delivers superior customer service, earning a 4.4 out of 5.0 Trustpilot rating and an A+ BBB rating for those who prioritize support quality.
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 delivers superior customer service, ranking fourth nationally for customer experience compared to ASPCA's 10th-place position. Nationwide maintains a 4.4 out of 5.0 Trustpilot score and an A+ BBB rating, while ASPCA holds a 3.7 Trustpilot rating and an A+ BBB grade, showing Nationwide's clear advantage in customer satisfaction.
Which offers better coverage: Nationwide vs ASPCA pet insurance?
ASPCA offers better coverage than Nationwide, ranking 8th nationally compared to Nationwide's 9th-place ranking for both cats and dogs. ASPCA provides more comprehensive add-on options including behavioral therapy, dental illness coverage, and alternative treatments, while Nationwide focuses primarily on basic wellness plans. Both cover standard needs like diagnostics, medications, and chronic conditions, but ASPCA's broader selection of optional benefits allows greater customization for your pet's specific needs.
Can I switch from Nationwide vs ASPCA pet insurance or vice versa?
Yes, you can switch from Nationwide to ASPCA pet insurance or vice versa at any time. However, new waiting periods will apply with your new policy: typically 14 days for illnesses and six months for orthopedic conditions. Any health issues your pet had under the previous policy will be considered pre-existing conditions and won't be covered by the new insurer.
Does Nationwide vs ASPCA cover pre-existing conditions?
Neither Nationwide nor ASPCA covers pre-existing conditions when you first enroll your pet. However, both companies may provide coverage for certain conditions later. Nationwide covers curable pre-existing conditions after your pet remains symptom-free for 12 months. ASPCA also excludes pre-existing conditions but may cover curable ones after a waiting period once symptoms disappear.
Can I get discounts with both Nationwide vs ASPCA pet insurance?
Yes, both Nationwide and ASPCA pet insurance offer discounts. Nationwide provides five discount options, including 5% off for multi-pet households, military families, and federal employees, plus additional savings through employer partnerships. ASPCA offers three main discounts: 10% for multi-pet policies, 5% for annual payment plans, and occasional promotional offers for new customers.
What are the age limits for Nationwide vs ASPCA pet insurance?
ASPCA pet insurance accepts pets of any age with no upper enrollment limits, making it accessible for senior animals. Nationwide restricts enrollment for older pets, typically setting age limits between 10-14 years depending on the breed. This makes ASPCA the better choice for owners with aging pets.
How We Scored Nationwide vs. ASPCA Pet Insurance
Evaluating Nationwide versus ASPCA pet insurance required analyzing both providers under identical circumstances. We obtained quotes using the same pet profiles and policy specifications to ensure fair comparison:
- $5,000 annual limit
- 80% reimbursement rate
- $500 deductible
- 6-year-old Labrador Retriever for dog coverage
- 7-year-old Ragdoll for cat coverage
MoneyGeek then scored both companies using three weighted factors based on their importance to pet owners.
Affordability (50% of score): We collected pricing data across multiple pet ages and coverage options to determine actual monthly costs, including available discounts that affect real premiums.
Customer Experience (30% of score): We analyzed Trustpilot ratings and conducted sentiment analysis of customer feedback to assess satisfaction with claims processing and customer support.
Coverage (20% of score): We examined policy benefits, waiting periods and available add-ons to evaluate which provider offers more comprehensive pet health protection.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.