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, while those who prioritize customer support and service experience may prefer Nationwide.
Nationwide vs. ASPCA Pet Insurance
Updated: June 14, 2026
Advertising & Editorial Disclosure
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.
Data filtered by:
Select
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.
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% |
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.
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% |
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 savings for association members and veterinary staff, while Nationwide has an option exclusive to existing customers.
Multiple pets | Save 5% when you insure two or more pets. | Save 10% on each additional pet's base premium. |
Existing customer | Existing Nationwide insurance customers get 5% off a new pet policy. | None |
Employer group plan | Save 10% when coverage is purchased through an employer benefit program or association. | Save 10% for joining a participating employer's benefit program. |
Association | None | Save 10% as a member of certain associations, such as REALTOR benefits programs. |
Veterinary staff | None | Employees of veterinary practices save 10%. |
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 gets more positive Reddit feedback for 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 broader pet insurance coverage than Nationwide, ranking eighth for both pets, while Nationwide lags one spot behind. ASPCA covers hereditary and congenital conditions in its base plan without requiring optional add-ons. It also offers unlimited annual limits and no upper age restrictions during enrollment.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | Prevention only, through an optional add-on | Prevention only, through an optional add-on |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | Optional add-on only | ✓ |
Congenital conditions | Optional add-on only | ✓ |
Chronic conditions | ✓ | ✓ |
Optional add-on only | ✓ | |
$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 8 and older are not eligible for hereditary coverage | No upper age limits |
Pre-existing conditions | Curable 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 $450 or $800.
- Hereditary and Congenital Condition coverage: Covers hereditary and congenital conditions such as hip dysplasia, patellar luxation, collapsed trachea and Wobbler syndrome.
ASPCA's one add-on focuses on routine care, covering 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. Nationwide may suit pet owners who prioritize service, though: it holds 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 Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. He sets the research framework, data standards and content structure for his team. All content goes through his accuracy review before publication. Connor also writes in-depth guides and has spent more than four years covering insurance products across personal, commercial and specialty lines.
The research infrastructure Connor built covers auto, home, renters, life, health, business and pet insurance across pricing analysis, carrier research, customer experience and coverage evaluation. It includes over 6 million data points for business insurance across 408 industry areas, all 50 states and 16 vehicle types. The pet insurance side covers over 5 million profiles across 18 major providers, 100+ breeds and ages up to 20 years. Connor’s insurance research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Connor also talks with underwriters and carrier liaisons at Ethos, The Hartford, ERGO NEXT, Nationwide and State Farm, and monitors business and pet owner communities on Reddit. Those sources shape how his team evaluates carriers, structures rate analysis and writes for human buyers rather than search engines.
For questions about MoneyGeek's business and pet insurance content, contact him at connor@moneygeek.com or on LinkedIn.
Sources
- Trustpilot. "Nationwide Pet Insurance ." Accessed June 23, 2026.
- Trustpilot. "ASPCA Pet Health Insurance ." Accessed June 23, 2026.
- Better Business Bureau. "Nationwide." Accessed June 23, 2026.
- Better Business Bureau. "PTZ Insurance Agency, Ltd." Accessed June 23, 2026.