Trupanion vs. Nationwide Pet Insurance

Trupanion ranks fifth for cats and sixth for dogs in MoneyGeek's pet insurance rankings. Nationwide places 11th for cats and 14th for dogs. That said, the better pick between the two depends on what you need most:

• Affordability: Trupanion costs less than Nationwide for both dogs and cats. It ranks sixth nationally for dog coverage affordability and fifth for cats, while Nationwide places 14th and 13th.
• Customer Experience: Nationwide ranks higher for customer service, placing fourth nationally for dogs and cats. Trupanion comes in fifth for both pets and still maintains reliable support for policyholders.
• Coverage: Trupanion ranks second nationally for coverage for both dogs and cats, ahead of Nationwide in ninth place, with a wider range of coverage options and benefits.

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

According to our analysis, Trupanion wins against Nationwide as the best pet insurance company across every state for dog coverage and cat coverage.

Trupanion has lower pet insurance costs than Nationwide for kittens, puppies, young cats and middle-aged pets, with kitten coverage providing the largest savings at 50%. Nationwide beats Trupanion on cost for senior pets, with rates 58% to 61% cheaper.

Trupanion offers the cheapest pet insurance for dogs and cats in most age groups across the country. Nationwide only offers cheaper rates than Trupanion for senior dogs and cats in all 50 states.

Nationwide offers more pet insurance discounts than Trupanion, with three ways to save compared to Trupanion's zero discount options. Nationwide provides a 5% discount for multiple pets and existing policyholders buying pet insurance, as well as 10% for those joining employer group plans.

Nationwide wins on customer experience for both dogs and cats, leading ahead of Trupanion by one spot in our national ranking. Both providers share identical ratings from Trustpilot and the Better Business Bureau, though Trupanion earns slightly stronger positive sentiment among Reddit users.

Trupanion provides superior pet insurance coverage compared to Nationwide, earning second place in our national ranking. Trupanion outperforms Nationwide by paying licensed veterinarians directly for covered claims. It also offers per-condition deductibles that don't reset annually, unlimited payouts and coverage for hereditary conditions in its base policy.

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

Trupanion offers more optional add-ons to supplement your base policy, covering breeding, pet owner benefits and recovery care. Nationwide's add-ons, meanwhile, focus on routine care and hereditary conditions.

• Breeding: Covers complications related to breeding, whelping or queening.
• Pet owner assistance package: Provides reimbursement for costs related to lost pet ads, boarding fees during owner hospitalization, vacation cancellation, liability for third-party property damage and cremation or burial assistance.
• Recovery and complementary care: Reimburses physical therapy, hydrotherapy, acupuncture and chiropractic treatments following accidents or illnesses.

• Wellness coverage: Cover exams, vaccines, heartworm or FeLV/FIV tests, deworming, microchipping and health certificates, with annual benefit limits of either $450 or $800.
• Hereditary and Congenital Condition coverage: Extends coverage to include inherited and congenital conditions such as hip dysplasia, patellar luxation, collapsed trachea and Wobblers syndrome.

Trupanion beats Nationwide for pet insurance overall, offering more affordable rates and more comprehensive coverage. Trupanion has unique features, such as direct vet payment, per-condition deductibles and an optional add-on for breeding. However, Nationwide provides better customer service, earning a 4.4 out of 5 Trustpilot score and an A+ BBB rating.

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

Compare Trupanion and Nationwide pet insurance through these common questions: