Healthy Paws offers better pet insurance coverage than Nationwide, ranking sixth nationally while Nationwide ranks ninth for both dogs and cats. Research shows Healthy Paws provides more flexible coverage options and faster claim processing, while both companies offer similar deductible ranges and reimbursement rates up to 90%.
Nationwide vs. Healthy Paws Pet Insurance
Updated: November 3, 2025
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Nationwide vs. Healthy Paws Pet Insurance: Key Takeaways
Nationwide provides more affordable pet insurance rates than Healthy Paws, charging $52 monthly for middle-aged cats and $101 for dogs, while Healthy Paws charges $59 and $136 respectively.
Nationwide ranks fourth nationally in customer experience for both cats and dogs, with a Trustpilot rating of 4.4 out of 5.0 stars, surpassing Healthy Paws' fifth-place ranking and 3.8-star rating.
Healthy Paws achieves a sixth-place national ranking for coverage compared to Nationwide's ninth place, offering a 15-day accident waiting period and wellness coverage add-ons for comprehensive pet protection.
Is Nationwide or Healthy Paws Pet Insurance Better?
Data filtered by:
Dog
| Affordability | Healthy Paws | 6 | 14 |
| Coverage | Healthy Paws | 6 | 9 |
| Customer Experience | Nationwide | 4 | 5 |
| Overall Score | Healthy Paws | 6 | 14 |
Nationwide and Healthy Paws Comparison by State
Healthy Paws is the best pet insurance company in all 50 states for both cats and dogs. This nationwide dominance across every state demonstrates consistent performance and reliability for pet owners regardless of their location.
Data filtered by:
Overall Score
Dog
| Alabama | Healthy Paws | 6 | 7 |
| Alaska | Healthy Paws | 6 | 7 |
| Arizona | Healthy Paws | 6 | 5 |
| Arkansas | Healthy Paws | 6 | 8 |
| California | Healthy Paws | 6 | 5 |
| Colorado | Healthy Paws | 6 | 5 |
| Connecticut | Healthy Paws | 6 | 5 |
| Delaware | Healthy Paws | 6 | 6 |
| Florida | Healthy Paws | 6 | 8 |
| Georgia | Healthy Paws | 6 | 7 |
| Hawaii | Healthy Paws | 6 | 6 |
| Idaho | Healthy Paws | 6 | 8 |
| Illinois | Healthy Paws | 6 | 6 |
| Indiana | Healthy Paws | 6 | 8 |
| Iowa | Healthy Paws | 6 | 8 |
| Kansas | Healthy Paws | 6 | 8 |
| Kentucky | Healthy Paws | 6 | 7 |
| Louisiana | Healthy Paws | 6 | 8 |
| Maine | Healthy Paws | 6 | 8 |
| Maryland | Healthy Paws | 6 | 8 |
| Massachusetts | Healthy Paws | 6 | 6 |
| Michigan | Healthy Paws | 6 | 7 |
| Minnesota | Healthy Paws | 6 | 7 |
| Mississippi | Healthy Paws | 6 | 7 |
| Missouri | Healthy Paws | 6 | 8 |
| Montana | Healthy Paws | 6 | 8 |
| Nebraska | Healthy Paws | 6 | 8 |
| Nevada | Healthy Paws | 6 | 8 |
| New Hampshire | Healthy Paws | 6 | 5 |
| New Jersey | Healthy Paws | 6 | 5 |
| New Mexico | Healthy Paws | 6 | 7 |
| New York | Healthy Paws | 6 | 6 |
| North Carolina | Healthy Paws | 6 | 7 |
| North Dakota | Healthy Paws | 6 | 8 |
| Ohio | Healthy Paws | 6 | 5 |
| Oklahoma | Healthy Paws | 6 | 8 |
| Oregon | Healthy Paws | 6 | 5 |
| Pennsylvania | Healthy Paws | 6 | 8 |
| Rhode Island | Healthy Paws | 6 | 8 |
| South Carolina | Healthy Paws | 6 | 7 |
| South Dakota | Healthy Paws | 6 | 8 |
| Tennessee | Healthy Paws | 6 | 8 |
| Texas | Healthy Paws | 6 | 8 |
| Utah | Healthy Paws | 6 | 6 |
| Vermont | Healthy Paws | 6 | 8 |
| Virginia | Healthy Paws | 6 | 6 |
| Washington | Healthy Paws | 6 | 8 |
| West Virginia | Healthy Paws | 6 | 8 |
| Wisconsin | Healthy Paws | 6 | 5 |
| Wyoming | Healthy Paws | 6 | 8 |
Nationwide vs. Healthy Paws Pet Insurance Cost
Nationwide offers more affordable pet insurance than Healthy Paws across most age groups, particularly for older animals. Middle-aged dogs cost $101 per month with Nationwide compared with Healthy Paws' $136 per month. For middle-aged cats, Nationwide charges $52 versus Healthy Paws' $59.
Learn how much pet insurance costs across different age categories.
Data filtered by:
Select
| Young Cats | Healthy Paws | $27 | 27% |
| Kittens | Nationwide | $33 | 25% |
| Young Dogs | Healthy Paws | $44 | 37% |
| Puppies | Healthy Paws | $48 | 20% |
| Middle Aged Cats | Nationwide | $52 | 11% |
| Senior Cats | Nationwide | $57 | 10% |
| Senior Dogs | Nationwide | $99 | 14% |
| Middle Aged Dogs | Nationwide | $101 | 26% |
Nationwide vs. Healthy Paws Pet Insurance Cost by State
Pricing varies significantly between providers, with Healthy Paws offering the cheapest pet insurance for young pets nationwide while Nationwide leads for older animals. Nationwide provides lower rates for middle-aged dogs and cats across all 50 states.
Data filtered by:
Middle Aged Dogs
| Alabama | Nationwide | $74 | 26% |
| Alaska | Nationwide | $98 | 26% |
| Arizona | Nationwide | $122 | 26% |
| Arkansas | Nationwide | $68 | 26% |
| California | Nationwide | $127 | 26% |
| Colorado | Nationwide | $126 | 26% |
| Connecticut | Nationwide | $115 | 26% |
| Delaware | Nationwide | $101 | 26% |
| Florida | Nationwide | $114 | 26% |
| Georgia | Nationwide | $91 | 26% |
| Hawaii | Nationwide | $102 | 26% |
| Idaho | Nationwide | $101 | 26% |
| Illinois | Nationwide | $124 | 26% |
| Indiana | Nationwide | $91 | 26% |
| Iowa | Nationwide | $85 | 26% |
| Kansas | Nationwide | $92 | 26% |
| Kentucky | Nationwide | $80 | 26% |
| Louisiana | Nationwide | $81 | 26% |
| Maine | Nationwide | $122 | 26% |
| Maryland | Nationwide | $99 | 26% |
| Massachusetts | Nationwide | $130 | 26% |
| Michigan | Nationwide | $101 | 26% |
| Minnesota | Nationwide | $104 | 26% |
| Mississippi | Nationwide | $86 | 26% |
| Missouri | Nationwide | $80 | 26% |
| Montana | Nationwide | $84 | 26% |
| Nebraska | Nationwide | $91 | 26% |
| Nevada | Nationwide | $104 | 26% |
| New Hampshire | Nationwide | $117 | 26% |
| New Jersey | Nationwide | $114 | 26% |
| New Mexico | Nationwide | $89 | 26% |
| New York | Nationwide | $109 | 26% |
| North Carolina | Nationwide | $90 | 26% |
| North Dakota | Nationwide | $77 | 26% |
| Ohio | Nationwide | $92 | 26% |
| Oklahoma | Nationwide | $84 | 26% |
| Oregon | Nationwide | $125 | 26% |
| Pennsylvania | Nationwide | $105 | 26% |
| Rhode Island | Nationwide | $88 | 26% |
| South Carolina | Nationwide | $96 | 26% |
| South Dakota | Nationwide | $89 | 26% |
| Tennessee | Nationwide | $93 | 26% |
| Texas | Nationwide | $106 | 26% |
| Utah | Nationwide | $96 | 26% |
| Vermont | Nationwide | $94 | 26% |
| Virginia | Nationwide | $107 | 26% |
| Washington | Nationwide | $117 | 26% |
| West Virginia | Nationwide | $87 | 26% |
| Wisconsin | Nationwide | $108 | 26% |
| Wyoming | Nationwide | $93 | 26% |
Nationwide vs. Healthy Paws Pet Insurance Discounts
When comparing pet insurance discounts, Nationwide provides more opportunities to save than Healthy Paws. Nationwide policyholders can qualify for multi-pet and member discounts, while Healthy Paws keeps its pricing simple with no public discount programs.
Save 5% per pet when you insure two to three pets and up to 10% per pet when you insure four or more pets. | None publicly listed. | |
Bundling | Existing Nationwide policyholders may receive 5% off a new pet insurance policy. | None. |
Annual Pay-In-Full | May be available depending on plan and state regulations. | None. |
Association/Club Member | Discount programs may be available through select partner organizations. | None. |
Employer Group | Offered as a voluntary benefit option for employees of participating companies. | None. |
Nationwide vs. Healthy Paws Pet Insurance Customer Experience
Nationwide delivers better customer experience than Healthy Paws, ranking fourth nationally for both dog and cat insurance compared to Healthy Paws' fifth-place position. Both companies earn A+ BBB ratings, but Nationwide pulls ahead with a 4.4 out of 5.0 Trustpilot score versus Healthy Paws' 3.8 rating, showing stronger real customer satisfaction across review platforms.
Nationwide vs Healthy Paws Trustpilot ratings
Nationwide earns a higher Trustpilot rating at 4.4 out of 5.0 compared to Healthy Paws' 3.8 out of 5.0. These verified customer reviews suggest Nationwide provides more consistent satisfaction across claims processing and customer service interactions.
Nationwide vs Healthy Paws BBB ratings
Both providers maintain A+ BBB ratings with accreditation, indicating strong complaint handling and business transparency. The equal BBB standing reflects both companies' commitment to ethical practices and customer dispute resolution.
Nationwide vs Healthy Paws Reddit sentiment
Reddit discussions show Nationwide with 43% positive sentiment from 14 total comments, while Healthy Paws achieved 20% positive feedback from 40 comments. The data suggests Nationwide generates fewer complaints relative to positive mentions, indicating better overall customer perception in social media discussions.
Nationwide vs. Healthy Paws Pet Insurance Coverage
Healthy Paws 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 Healthy Paws 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 | ✓ | ✓ |
✓ | ✓ (if enrolled before age limit) | |
$250, $500, or $1,000 depending on plan. | $100, $250, $500 depending on pet age. | |
$2,500 to unlimited depending on plan type. | No annual or lifetime payout limits. | |
50%, 70%, or 90% depending on plan. | 70%, 80%, or 90% depending on pet age. | |
14 days for illnesses and 14 days for accidents. | 15 days for accidents and illnesses; 12 months for hip dysplasia. | |
Age restrictions | Enrollment for illness coverage may be limited for pets over 10 years old. | Enrollment available for pets up to 14 years old. |
Not covered. | Not covered; only new accidents and illnesses are eligible. | |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Nationwide vs. Healthy Paws Pet Insurance Add-ons
Nationwide allows more customization through add-ons that extend coverage to routine and wellness care. Healthy Paws offers a single plan that covers accidents and illnesses without add-ons, focusing on simplicity and unlimited payouts.
Nationwide Pet Insurance Add-ons
Nationwide offers optional wellness and preventive care plans that cover routine services.
- Wellness add-on: Covers exams, vaccines, blood tests, flea/tick medication), dental cleaning, and other routine treatments.
- Modular wellness options: Some plans allow additional coverage for spay/neuter, annual wellness exams, and health screenings.
- Specialty add-ons: Certain employer or group policies may include benefits like lost-pet advertising, boarding fees, or mortality coverage.
Healthy Paws Pet Insurance Add-ons
Healthy Paws does not offer add-ons or wellness coverage.
- Comprehensive accident and illness plan: Covers diagnostics, hospitalization, surgery, chronic conditions, cancer treatment, and hereditary conditions in a single policy.
- No wellness coverage: Preventive services such as vaccines, dental cleaning, or spay/neuter are not included.
Nationwide vs. Healthy Paws Pet Insurance: Bottom Line
Healthy Paws beats Nationwide overall, delivering better value through more affordable premiums and superior coverage options. Healthy Paws offers comprehensive accident and illness protection with fewer exclusions than many competitors. However, Nationwide excels in customer service, earning a 4.4 out of 5.0 Trustpilot rating and an A+ BBB rating. For middle-aged pets, Nationwide offers competitive rates starting at $52 monthly for cats and $101 for dogs.
Nationwide vs. Healthy Paws Pet Insurance Comparison: FAQ
Compare Nationwide and Healthy Paws pet insurance through these common questions:
Which is cheaper: Nationwide vs Healthy Paws pet insurance?
Nationwide wins in 6 out of 8 pet categories, making it the more affordable choice overall. Middle-aged dogs show significant savings at $101 monthly with Nationwide versus $136 with Healthy Paws. Middle-aged cats also cost less at $52 monthly compared to Healthy Paws' $59 rate.
Which has better customer service: Nationwide vs Healthy Paws pet insurance?
Nationwide provides superior customer service, ranking 4th nationally for customer experience compared to Healthy Paws' lower ranking. Nationwide holds a 4.4 out of 5.0 Trustpilot score and an A+ BBB rating, while Healthy Paws trails with a 3.8 Trustpilot rating and an A+ BBB grade.
Which offers better coverage: Nationwide vs Healthy Paws pet insurance?
Healthy Paws offers better coverage than Nationwide, ranking 6th nationally while Nationwide ranks 9th for both cats and dogs. Healthy Paws provides comprehensive accident and illness coverage with unlimited annual benefits and no caps on payouts. Nationwide offers more add-on options including wellness plans and exotic pet coverage, but Healthy Paws delivers stronger core protection with faster claim processing and higher reimbursement rates for essential veterinary care.
Can I switch from Nationwide vs Healthy Paws pet insurance or vice versa?
You can switch between Nationwide and Healthy Paws anytime by buying a new policy and canceling your current one. However, new waiting periods will apply: 14 days for illnesses and 30 days for orthopedic conditions with both providers. Any conditions diagnosed under your old policy become pre-existing with your new insurer.
Does Nationwide vs Healthy Paws cover pre-existing conditions?
Neither Nationwide nor Healthy Paws 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. Healthy Paws excludes all pre-existing conditions permanently with no exceptions.
Can I get discounts with both Nationwide vs Healthy Paws pet insurance?
Yes, both Nationwide and Healthy Paws offer discounts to help reduce premium costs. Nationwide provides multiple discount options, including 5% off for annual payments, multi-pet discounts, and group discounts through employers or organizations. Healthy Paws offers fewer discount programs but includes multi-pet savings and occasional promotional offers for new customers.
What are the age limits for Nationwide vs Healthy Paws pet insurance?
Healthy Paws accepts pets from 8 weeks old with no upper age limit for enrollment. Nationwide requires pets to be at least 8 weeks old but sets maximum enrollment ages between 10-14 years depending on the pet's breed. This makes Healthy Paws the better option for senior pet owners seeking coverage for older animals.
How We Scored Nationwide vs. Healthy Paws Pet Insurance
Evaluating Nationwide versus Healthy Paws required collecting quotes and policy details under identical conditions. We analyzed both providers using standardized pet profiles and coverage specifications:
- $5,000 annual limit
- 80% reimbursement rate
- $500 deductible
- 6-year-old Labrador Retriever for dog coverage
- 7-year-old Ragdoll for cat coverage
Our analysis weighted three key factors based on their importance to pet owners.
Affordability (50% of score): We collected quotes across multiple pet ages and coverage options to assess typical monthly premiums, including applicable discounts that affect actual costs.
Customer Experience (30% of score): We analyzed Trustpilot ratings and online sentiment from verified customers to measure satisfaction with claims processing and customer support.
Coverage (20% of score): We examined policy features, waiting periods and available add-ons to determine 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.