Nationwide vs. Pumpkin Pet Insurance

Pumpkin offers better pet insurance than Nationwide, ranking seventh for dogs and third for cats compared to Nationwide's 14th and 11th place finishes in MoneyGeek's analysis. However, your best option may change based on priorities. If stronger value and service matter most to you, Pumpkin is the ideal choice, while Nationwide is preferable for comprehensive coverage.

Learn more about the best pet insurance options for your pet across different situations:

Pumpkin ranks as the best pet insurance company compared to Nationwide in all 50 states for both dogs and cats.

Pumpkin beats Nationwide for affordability across most age groups, winning six out of eight pet insurance cost categories.

• Kittens: Pumpkin costs $17 monthly compared to Nationwide's $33, saving you 50% ($16 per month).
• Puppies: You'll pay $24 monthly with Pumpkin versus $60 monthly with Nationwide — a 59% savings that adds up to $36 monthly.
• Young cats: Pumpkin charges $21 per month while Nationwide runs $37 per month, cutting your costs by 45% ($16 monthly difference).
• Young dogs: At $31 monthly, Pumpkin costs 55% less than Nationwide's $69 monthly rate, saving you $38 each month.
• Middle-aged cats: Pumpkin's $30 monthly rate beats Nationwide's $52 monthly, delivering 44% savings ($22 per month).
• Middle-aged dogs: Pumpkin costs $48 monthly against Nationwide's $101 monthly — you save 53% or $53 each month,
• Senior cats: Nationwide wins here at $57 monthly compared to Pumpkin's $64 monthly, though you only save 10% ($7 per month).
• Senior dogs: Nationwide charges $99 monthly versus Pumpkin's $116 monthly, saving you 15% ($18 each month).

Pumpkin offers the cheapest pet insurance compared to Nationwide across the country for kittens, puppies, and young and middle-aged pets. Nationwide only wins against Pumpkin for senior cats and senior dogs in all states.

Nationwide offers more pet insurance discounts than Pumpkin — three compared to two — but Pumpkin's multi-pet discount delivers double the savings at 10% per additional pet versus Nationwide's 5%. Nationwide wins for existing customers and employer group plan members, while Pumpkin provides rate reductions for veterinary clinic employees.

According to our analysis, Pumpkin's customer service is superior to Nationwide's, ranking third nationally, while Nationwide places fourth. Both providers have A+ rating from the Better Business Bureau, though Pumpkin earns a higher rating on Trustpilot and stronger positive sentiment on Reddit.

Nationwide has broader pet insurance coverage than Pumpkin, placing ninth in our national ranking, while Pumpkin is behind by two spots. Nationwide stands out for covering exotic pets, like birds, rabbits, ferrets and lizards. The company also has a shorter waiting period for accidents, though it requires an add-on for hereditary and congenital conditions coverage.

Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.

Both Nationwide and Pumpkin provide ways to expand coverage through optional add-ons, though Nationwide offers two, while Pumpkin only has one.

Pumpkin offers better pet insurance than Nationwide, excelling in affordability and customer service. Pumpkin's rates start at $48 per month for middle-aged dogs and $30 per month for cats, which are 53% and 44% lower than Nationwide's monthly rates. Pumpkin also earns a stellar 4.9 out of 5.0 Trustpilot rating, plus 79% positive sentiment Reddit for its fast claim reimbursements and responsive customer representatives. However, Nationwide offers broader coverage that extends to exotic pets, featuring a shorter waiting period for accidents.

Compare other major pet insurance companies to determine the best choice for your pet:

Compare Nationwide and Pumpkin pet insurance through these common questions: