Healthy Paws beats Nationwide for pet insurance, ranking sixth nationally, while Nationwide ranks ninth. Healthy Paws offers more flexible coverage and faster claim processing. Nationwide and Healthy Paws provide similar deductible ranges and reimbursement rates up to 90%.
Nationwide vs. Healthy Paws Pet Insurance
Updated: December 29, 2025
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Nationwide vs. Healthy Paws Pet Insurance: Key Takeaways
Nationwide costs less than Healthy Paws, charging $52 monthly for middle-aged cats and $101 for dogs. Healthy Paws charges $59 and $136.
Nationwide ranks fourth nationally in customer experience for cats and dogs, with a 4.4 out of 5 Trustpilot rating. Healthy Paws ranks fifth with 3.8 stars.
Healthy Paws ranks sixth nationally for coverage. Nationwide ranks ninth. Healthy Paws offers a 15-day accident waiting period and wellness coverage add-ons.
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 |
Find the best pet insurance for your situation:
Nationwide and Healthy Paws Comparison by State
Healthy Paws ranks as the best pet insurance company in all 50 states. Healthy Paws maintains consistent performance nationwide.
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 costs less than Healthy Paws for older animals. Middle-aged dogs cost $101 per month with Nationwide compared with Healthy Paws' $136. For middle-aged cats, Nationwide charges $52 versus Healthy Paws' $59.
See pet insurance costs by age category.
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 differs between Nationwide and Healthy Paws depending on your pet's age. Healthy Paws offers lower rates for young pets nationwide, while Nationwide costs less for older animals. Nationwide provides lower rates for middle-aged dogs and cats.
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.
Multiple pets | Save 5% per pet when you insure two to three pets with Nationwide. | None. |
Existing customer | 5% off for existing Nationwide insurance customers buying a new pet policy. | None. |
Employer group plan | Applicable when coverage is purchased through a participating employer's group plan. | 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 4.3 out of 5.0 compared to Healthy Paws' 3.9 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
Nationwide maintains an A+ BBB rating with accreditation, indicating strong complaint handling and business transparency. Healthy Paws also has an A+ rating. 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 | Only covers prevention through an optional add-on | X |
✓ | ✓ | |
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 | $250, $500, $1,000 | |
$2,000 to $10,000 | Unlimited | |
50%, 70%, 80% | 70%, 80%, 90% | |
2 days for accidents, 14 days for illnesses, 12 months for cruciate ligament conditions | 15 days for illnesses and accidents, 12 months for hip dysplasia | |
Age restrictions | 8-year-old cats and older are not eligible for hereditary coverage | Enrollment available for pets up to 14 years old |
Pre-existing conditions | Curable pre-existing conditions may be eligible for coverage if cured and symptom-free for six months | Conditions that developed before enrollment or during waiting periods are permanently excluded |
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 coverage: Comes in two tiers ($450 or $800) and covers exams, vaccines, blood tests, deworming, heartworm or FeLV/FIV test, microchip and health certificates.
- Hereditary and Congenital Condition coverage: Covers hip dysplasia, patellar luxation, collapsed trachea, and other hereditary and congenital conditions.
Healthy Paws Pet Insurance Add-ons
Healthy Paws does not offer optional add-ons or wellness plans for routine care, such as vaccines, dental cleaning or spay/neuter procedures.
Nationwide vs. Healthy Paws Pet Insurance: Bottom Line
Healthy Paws outperforms Nationwide, with lower premiums for young pets and broader coverage. Healthy Paws covers accidents and illnesses with fewer exclusions than many competitors. Nationwide earns higher customer service ratings: 4.4 out of 5 on Trustpilot and an A+ BBB rating. Nationwide charges $52 monthly for middle-aged cats and $101 for dogs.
Compare other major pet insurance companies:
Nationwide vs. Healthy Paws Pet Insurance Comparison: FAQ
Answers to common questions about Nationwide vs. Healthy Paws pet insurance:
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, ranking sixth nationally. Nationwide ranks ninth. Healthy Paws covers accidents and illnesses with unlimited annual benefits and no payout caps. Nationwide offers more add-ons: wellness plans and exotic pet coverage. Healthy Paws processes claims faster and offers higher reimbursement rates for 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. New waiting periods apply: 14 days for illnesses and 30 days for orthopedic conditions with Nationwide and Healthy Paws. 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. Nationwide and Healthy Paws cover certain conditions later. Nationwide covers curable pre-existing conditions after your pet remains symptom-free for 12 months. Healthy Paws permanently excludes all pre-existing conditions.
Can I get discounts with both Nationwide vs Healthy Paws pet insurance?
Yes, Nationwide and Healthy Paws offer discounts. Nationwide offers 5% off for annual payments, multi-pet discounts and group discounts through employers or organizations. Healthy Paws has fewer discount programs: multi-pet savings and 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. Nationwide requires pets to be at least 8 weeks old but sets maximum enrollment ages between 10 to 14 years depending on breed. Healthy Paws works better for senior pet owners with older animals.
How We Scored Nationwide vs. Healthy Paws Pet Insurance
Pet owners comparing Nationwide and Healthy Paws have a tough choice: lower premiums from Nationwide versus stronger coverage rankings from Healthy Paws. Our methodology weighted affordability heaviest because monthly costs determine whether pet owners can maintain coverage long-term.
We gathered quotes from Nationwide and Healthy Paws using identical coverage specifications: $5,000 annual limit, 80% reimbursement, and $500 deductible. Dog quotes used a 6-year-old Labrador Retriever profile, while cat quotes used a 7-year-old Ragdoll. This approach shows how each insurer prices middle-aged pets — the age group where premiums start climbing fast.
Affordability (50%): Premium comparisons across multiple pet ages show which insurer offers better value at different life stages. We included applicable discounts because they affect actual costs. Affordability weighs heaviest because even the best coverage becomes useless if you can't afford the monthly payment.
Customer experience (30%): Trustpilot ratings and verified customer reviews reveal how Nationwide and Healthy Paws handle claims and resolve problems. Customer experience accounts for real interactions, not marketing promises. Fast claim processing matters when your pet needs emergency surgery.
Coverage (20%): Policy features, waiting periods and add-on options show which insurer provides better protection. Healthy Paws' shorter waiting periods mean coverage kicks in faster, while Nationwide's wellness plan add-ons cover routine care. This factor weighs less than affordability but becomes important when comparing similar-priced insurers like these two.
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.