Trupanion delivers superior pet insurance coverage compared to Nationwide, ranking second nationally for both dogs and cats while Nationwide ranks ninth. Trupanion stands out with no annual coverage limits and faster claim processing, while Nationwide offers more deductible options and traditional reimbursement structures that some pet owners prefer.
Trupanion vs. Nationwide Pet Insurance
Updated: November 3, 2025
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Trupanion vs. Nationwide Pet Insurance: Key Takeaways
Trupanion provides more affordable pet insurance rates than Nationwide, with monthly premiums of $88 for middle-aged dogs and $48 for middle-aged cats, compared to Nationwide's rates of $101 and $52 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, slightly ahead of Trupanion's fifth-place ranking and 4.2-star rating.
Trupanion demonstrates stronger coverage options with a second-place national ranking, while Nationwide places ninth in coverage rankings for both cats and dogs.
Is Trupanion or Nationwide Pet Insurance Better?
Data filtered by:
Dog
| Affordability | Trupanion | 6 | 14 |
| Coverage | Trupanion | 2 | 9 |
| Customer Experience | Nationwide | 4 | 5 |
| Overall Score | Trupanion | 6 | 14 |
Trupanion and Nationwide Comparison by State
Trupanion dominates as the best pet insurance company across the United States, leading in 50 states for dog coverage and 48 states for cat insurance. This nationwide performance makes Trupanion the top choice for pet owners in nearly every state.
Data filtered by:
Overall Score
Dog
| Alabama | Trupanion | 6 | 7 |
| Alaska | Trupanion | 6 | 7 |
| Arizona | Trupanion | 6 | 5 |
| Arkansas | Trupanion | 6 | 8 |
| California | Trupanion | 6 | 5 |
| Colorado | Trupanion | 6 | 5 |
| Connecticut | Trupanion | 6 | 5 |
| Delaware | Trupanion | 6 | 6 |
| Florida | Trupanion | 6 | 8 |
| Georgia | Trupanion | 6 | 7 |
| Hawaii | Trupanion | 6 | 6 |
| Idaho | Trupanion | 6 | 8 |
| Illinois | Trupanion | 6 | 6 |
| Indiana | Trupanion | 6 | 8 |
| Iowa | Trupanion | 6 | 8 |
| Kansas | Trupanion | 6 | 8 |
| Kentucky | Trupanion | 6 | 7 |
| Louisiana | Trupanion | 6 | 8 |
| Maine | Trupanion | 6 | 8 |
| Maryland | Trupanion | 6 | 8 |
| Massachusetts | Trupanion | 6 | 6 |
| Michigan | Trupanion | 6 | 7 |
| Minnesota | Trupanion | 6 | 7 |
| Mississippi | Trupanion | 6 | 7 |
| Missouri | Trupanion | 6 | 8 |
| Montana | Trupanion | 6 | 8 |
| Nebraska | Trupanion | 6 | 8 |
| Nevada | Trupanion | 6 | 8 |
| New Hampshire | Trupanion | 6 | 5 |
| New Jersey | Trupanion | 6 | 5 |
| New Mexico | Trupanion | 6 | 7 |
| New York | Trupanion | 6 | 6 |
| North Carolina | Trupanion | 6 | 7 |
| North Dakota | Trupanion | 6 | 8 |
| Ohio | Trupanion | 6 | 5 |
| Oklahoma | Trupanion | 6 | 8 |
| Oregon | Trupanion | 6 | 5 |
| Pennsylvania | Trupanion | 6 | 8 |
| Rhode Island | Trupanion | 6 | 8 |
| South Carolina | Trupanion | 6 | 7 |
| South Dakota | Trupanion | 6 | 8 |
| Tennessee | Trupanion | 6 | 8 |
| Texas | Trupanion | 6 | 8 |
| Utah | Trupanion | 6 | 6 |
| Vermont | Trupanion | 6 | 8 |
| Virginia | Trupanion | 6 | 6 |
| Washington | Trupanion | 6 | 8 |
| West Virginia | Trupanion | 6 | 8 |
| Wisconsin | Trupanion | 6 | 5 |
| Wyoming | Trupanion | 6 | 8 |
Trupanion vs. Nationwide Pet Insurance Cost
Trupanion offers more affordable pet insurance rates overall, winning in five out of eight age categories. For middle-aged dogs, Trupanion costs $88 per month compared with Nationwide's $101. Middle-aged cats cost $48 with Trupanion versus $52 with Nationwide.
Learn how much pet insurance costs across different age categories.
Data filtered by:
Select
| Kittens | Trupanion | $16 | 50% |
| Young Cats | Trupanion | $25 | 32% |
| Middle Aged Cats | Trupanion | $48 | 8% |
| Puppies | Trupanion | $52 | 14% |
| Senior Cats | Nationwide | $57 | 58% |
| Young Dogs | Nationwide | $69 | 0% |
| Middle Aged Dogs | Trupanion | $88 | 13% |
| Senior Dogs | Nationwide | $99 | 61% |
Trupanion vs. Nationwide Pet Insurance Cost by State
Trupanion offers the cheapest pet insurance for middle-aged dogs and cats across all states. Nationwide wins for senior pets nationwide, while Trupanion dominates pricing for younger animals and puppies.
Data filtered by:
Middle Aged Dogs
| Alabama | Trupanion | $64 | 13% |
| Alaska | Trupanion | $85 | 13% |
| Arizona | Trupanion | $108 | 12% |
| Arkansas | Trupanion | $59 | 13% |
| California | Trupanion | $112 | 12% |
| Colorado | Trupanion | $111 | 12% |
| Connecticut | Trupanion | $101 | 12% |
| Delaware | Trupanion | $88 | 13% |
| Florida | Trupanion | $100 | 13% |
| Georgia | Trupanion | $79 | 13% |
| Hawaii | Trupanion | $89 | 13% |
| Idaho | Trupanion | $88 | 13% |
| Illinois | Trupanion | $110 | 12% |
| Indiana | Trupanion | $80 | 12% |
| Iowa | Trupanion | $74 | 13% |
| Kansas | Trupanion | $80 | 13% |
| Kentucky | Trupanion | $69 | 13% |
| Louisiana | Trupanion | $71 | 13% |
| Maine | Trupanion | $106 | 13% |
| Maryland | Trupanion | $86 | 13% |
| Massachusetts | Trupanion | $114 | 12% |
| Michigan | Trupanion | $88 | 12% |
| Minnesota | Trupanion | $92 | 12% |
| Mississippi | Trupanion | $74 | 13% |
| Missouri | Trupanion | $69 | 13% |
| Montana | Trupanion | $73 | 13% |
| Nebraska | Trupanion | $79 | 13% |
| Nevada | Trupanion | $92 | 12% |
| New Hampshire | Trupanion | $102 | 12% |
| New Jersey | Trupanion | $99 | 12% |
| New Mexico | Trupanion | $77 | 13% |
| New York | Trupanion | $96 | 12% |
| North Carolina | Trupanion | $78 | 13% |
| North Dakota | Trupanion | $67 | 13% |
| Ohio | Trupanion | $81 | 12% |
| Oklahoma | Trupanion | $74 | 13% |
| Oregon | Trupanion | $110 | 12% |
| Pennsylvania | Trupanion | $92 | 13% |
| Rhode Island | Trupanion | $77 | 13% |
| South Carolina | Trupanion | $83 | 13% |
| South Dakota | Trupanion | $77 | 13% |
| Tennessee | Trupanion | $81 | 13% |
| Texas | Trupanion | $94 | 12% |
| Utah | Trupanion | $84 | 13% |
| Vermont | Trupanion | $82 | 13% |
| Virginia | Trupanion | $94 | 12% |
| Washington | Trupanion | $101 | 14% |
| West Virginia | Trupanion | $76 | 13% |
| Wisconsin | Trupanion | $94 | 13% |
| Wyoming | Trupanion | $81 | 13% |
Trupanion vs. Nationwide Pet Insurance Discounts
While both Trupanion and Nationwide help pet owners manage costs, their discount programs differ. Nationwide provides more opportunities for savings, while Trupanion focuses on straightforward pricing without bundling or multi-pet deals. The table below outlines their available pet insurance discounts.
None — Trupanion does not offer a multi-pet discount. | Save about 5% when you insure two or more pets under one Nationwide policy. | |
Bundling | None | Existing Nationwide policyholders may receive savings when they add a pet policy. |
Annual Pay-In Full | None | May be available depending on policy type and state regulations. |
Association/Club Member | Occasional promotions may be available for military or veteran households. | Some association and partner programs may include preferred pricing or promotional offers. |
Employer Group | No employer-specific discount program publicly listed. | Available through participating employers as part of Nationwide’s voluntary benefits program. |
Trupanion vs. Nationwide Pet Insurance Customer Experience
Nationwide delivers better customer experience than Trupanion, ranking fourth nationally for both dog and cat coverage compared to Trupanion's fifth-place position. Both providers maintain strong A+ BBB ratings, but Nationwide pulls ahead with a 4.4 out of 5.0 Trustpilot score versus Trupanion's 4.2 rating, reinforcing its superior customer service performance.
Trupanion vs Nationwide Trustpilot Ratings
Nationwide earns a slightly higher Trustpilot rating at 4.4 out of 5.0 compared to Trupanion's 4.2 out of 5.0 from verified customers. Both providers receive generally positive feedback, with customers highlighting responsive service teams and efficient claims processing across both platforms.
Trupanion vs Nationwide BBB Ratings
Both Trupanion and Nationwide maintain identical A+ BBB ratings with full accreditation, demonstrating strong complaint resolution and business transparency. Nationwide's A+ rating reflects the same high standards for ethical practices and customer service responsiveness.
Trupanion vs Nationwide Pet Insurance Reddit Sentiment
We analyzed Reddit discussions and found nearly identical sentiment between both providers. Trupanion received 44% positive feedback from 16 total comments (7 positive, 9 negative), while Nationwide achieved 43% positive sentiment from 14 comments (6 positive, 8 negative). Both companies show mixed but comparable customer perception on social platforms.
Trupanion vs. Nationwide Pet Insurance Coverage
Nationwide offers better pet insurance coverage for dogs and cats than Trupanion, ranking sixth nationally while Trupanion ranks eighth. Both companies provide comparable options for deductibles, annual limits and reimbursement rates, but Nationwide 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 | ✓ (covered when caused by illness or injury) | ✓ (available through wellness add-ons) |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ (included in core coverage) | ✓ (covered under select plans) | |
Customizable from $0 to $1,000 (per condition) | $250, $500, or $1,000 (varies by plan) | |
No annual or lifetime payout limits | $10,000 or unlimited, depending on plan selection | |
90% reimbursement for all eligible claims | 50%, 70%, or 90% based on policy | |
5 days for injuries, 30 days for illnesses | 14 days for accidents and illnesses; longer for orthopedic conditions | |
Age restrictions | No maximum age limit for enrollment | Enrollment typically available for pets under 10 years old for illness coverage |
Excluded; only new conditions after enrollment are eligible | Excluded; some curable conditions may qualify after a symptom-free period | |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Trupanion vs. Nationwide Pet Insurance Add-ons
Nationwide offers more add-on flexibility, allowing pet owners to include preventive and routine care coverage. Trupanion’s approach focuses on a single, comprehensive policy that already includes many treatment categories but does not offer routine care options.
Trupanion Pet Insurance Add-ons
Trupanion’s add-on offerings are limited, as its core policy already includes broad accident and illness coverage.
- Recovery and complementary care rider: Helps pay for acupuncture, chiropractic, physical therapy, and rehabilitation following covered injuries or illnesses.
- Pet owner assistance package: Covers non-medical costs such as boarding fees, lost pet advertising, and third-party property damage.
- Veterinary direct pay: Trupanion pays vets directly at checkout, reducing out-of-pocket expenses for policyholders.
Nationwide Pet Insurance Add-ons
Nationwide’s wellness and preventive options can be added to accident and illness policies for broader financial protection.
- Wellness plan options: Cover exams, vaccines, blood tests, dental cleaning, flea/tick medication, and parasite prevention.
- Telehealth access: Includes a 24/7 vet helpline for general pet care guidance and triage support.
- Pharmacy savings: Offers access to partner pharmacy discounts for prescriptions and routine medications.
Trupanion vs. Nationwide Pet Insurance: Bottom Line
Trupanion beats Nationwide overall, offering better affordability and more comprehensive coverage options. Trupanion charges $48 per month for middle-aged cats and $88 for dogs, making it the more budget-friendly choice for most pet owners. Trupanion also provides superior coverage breadth, ranking among the top providers for policy benefits. However, Nationwide delivers better customer service, earning a 4.4 out of 5.0 Trustpilot rating and an A+ BBB rating.
Trupanion vs. Nationwide Pet Insurance Comparison: FAQ
Compare Trupanion and Nationwide pet insurance through these common questions:
Which is cheaper: Trupanion vs Nationwide pet insurance?
Trupanion is cheaper than Nationwide for most pet categories across all 50 states. Middle-aged cats cost $48 monthly with Trupanion versus Nationwide's $52. The savings are even greater for middle-aged dogs, with Trupanion charging $88 per month compared to Nationwide's $101. Nationwide only beats Trupanion for senior pets.
Which has better customer service: Trupanion vs Nationwide pet insurance?
Nationwide delivers superior customer service compared to Trupanion, ranking 4th nationally for customer experience while Trupanion ranks 5th. Nationwide holds an A+ BBB rating and 4.4 out of 5.0 Trustpilot score, outperforming Trupanion's A+ BBB rating and 4.2 Trustpilot score across both dog and cat coverage.
Which offers better coverage: Trupanion vs Nationwide pet insurance?
Trupanion offers better coverage than Nationwide, ranking 2nd nationally while Nationwide ranks 9th for both cats and dogs. Trupanion provides comprehensive add-ons including behavioral therapy, dental illness coverage, and end-of-life care. Nationwide focuses primarily on wellness plans as extras. Both cover standard needs like diagnostics, medications, and chronic conditions, but Trupanion's extensive add-on options deliver superior customization.
Can I switch from Trupanion vs Nationwide pet insurance or vice versa?
Yes, you can switch between Trupanion and Nationwide pet insurance anytime by canceling your current policy and buying a new one. However, new waiting periods will apply: typically 14 days for illnesses and 30 days for orthopedic conditions. Any health issues your pet had under the previous policy become pre-existing conditions with the new insurer.
Does Trupanion vs Nationwide cover pre-existing conditions?
Neither Trupanion nor Nationwide covers pre-existing conditions initially. However, both companies may provide coverage for certain conditions later. Trupanion covers curable pre-existing conditions after 12 consecutive symptom-free months. Nationwide also excludes pre-existing conditions but may cover curable ones after a waiting period without symptoms or treatment.
Can I get discounts with both Trupanion vs Nationwide pet insurance?
Yes, both Trupanion and Nationwide offer discounts to help reduce premium costs. Trupanion provides fewer discount options, primarily focusing on employer group benefits and veterinary hospital partnerships. Nationwide offers more comprehensive savings opportunities, including multi-pet discounts of up to 10%, annual payment discounts, and bundling savings when combined with other insurance products for broader financial benefits.
What are the age limits for Trupanion vs Nationwide pet insurance?
Trupanion accepts pets of any age with no enrollment restrictions, making it excellent for senior animals. Nationwide typically limits enrollment to pets under 10-14 years old depending on the breed. This age restriction makes Trupanion the better choice for older pets needing coverage.
How We Scored Trupanion vs. Nationwide Pet Insurance
Evaluating Trupanion vs Nationwide required analyzing both providers under identical conditions and coverage scenarios. We obtained quotes from each company using the same pet profiles and policy specifications listed below.
- $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 providers using three key factors weighted by their importance to pet owners.
Affordability (50% of score): We collected quotes across multiple coverage options and pet ages to assess actual pricing, including available discounts that affect real premium costs.
Customer Experience (30% of score): We analyzed Trustpilot ratings and online feedback to measure customer satisfaction with claims processing and support services.
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.