ASPCA vs Nationwide Pet Insurance Comparison 2022: Pros, Cons, & Verdict


In This Review: ASPCA Overview | Nationwide Overview | Plans & Pricing | Deductibles & Claims | Verdict

Both ASPCA and Nationwide are reputable names in the pet insurance world. They offer comparable plans that can help pet owners save significant costs. When comparing these two companies, you’ll notice that they excel in different fields. So, it’s important to examine each one to see which will be best for you.

We’ll go over the types of plans, deductibles, and reimbursement options that each company offers. If you’re still having difficulty choosing a plan, make sure to look through their additional perks to help you decide.

Most Comprehensive Coverage

Company Name ASPCA Nationwide
Pets Covered Cat, dog, horse Bird, cat, dog, exotic pets
Types of Plans Complete coverage, accident-only coverage Whole pet, major medical, pet wellness
Deductibles $100, $250, $500 $250
Reimbursement 70%, 80%, 90% 50%, 70%,
Additional Perks Preventative care add-on, 10% multiple pet discount, 30-day money back guarantee Wellness care add-on, 5% multiple pet discount, 10-day money back guarantee, 24/7 veterinarian line

Brief Overview of ASPCA

ASPCA Pet Insurance

  • Customizable plans
  • Offers coverage for illnesses previously cured or symptom-free for 180 days
  • Offers accident-only plans
  • 30-day reimbursement period
  • Wellness coverage is only an add-on

Crum & Forster Pet Insurance Group is the insurance company that provides ASPCA Pet Health Insurance. ASPCA offers pet insurance for cats, dogs and horses. With ASPCA insurance, you can take your pet to any veterinarian in the United States and Canada and receive reimbursements.

After you pay your vet bill, you’ll submit a claim to ASPCA either only or by mail or fax. Then, ASPCA will either directly deposit your reimbursement to your bank account or mail a check.

ASPCA values the customer service experience. Its claims process is simple and straightforward, and you can expect to receive excellent customer service from their trained representatives. ASPCA also offers a 30-day money back guarantee where you can receive a full refund as long as expenses haven’t been applied to your deductible.


Brief Overview of Nationwide

Nationwide Pet Insurance

  • Offers coverage for exotic pets
  • Wide variety of plans
  • 24/7 veterinary line
  • Plans aren’t very customizable
  • Premiums are relatively expensive

Nationwide Pet Insurance offers coverage for all kinds of pets, including birds, cats, dogs, and exotic pets. With Nationwide Pet Insurance, you can visit any vet in the United States, so you can still keep your current veterinarian. You can also file claims for services your pet has received in other countries.

Nationwide has a simple claims process. Once you pay your vet bill, you can submit a claim by fax, mail, email, or online. The process is pretty quick as long as you submit your information correctly.

You’ll also find a lot more options and variety for plans. So, you’ll be able to find a plan that matches your pet’s individual needs.


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ASPCA vs Nationwide: Plans Available

Both ASPCA and Nationwide offer plans that cover medical expenses, accidents, and preventative and wellness care. ASPCA excels in customizable plans, while Nationwide excels in providing coverage for all kinds of pets.

ASPCA

ASPCA has two main plans:


  • Complete Coverage

  • Accident-Only Coverage

Complete Coverage encompasses major and minor illnesses, such as arthritis, cancer, ear infections, and urinary tract infections. It also covers hereditary conditions, including heart disease, eye disorders, and hip dysplasia. You can also get reimbursed for accidents, alternative therapies, prescription medication and food, microchip implantation, and treating behavioral issues.

ASPCA also offers a wellness add-on that covers annual wellness exams, vaccines, and other preventative services. If your pet is relatively healthy, you can opt to purchase an accident-only plan to help with costs of sudden incidents and emergencies.

Nationwide

Nationwide has three types of plans:


  • Whole Pet

  • Major Medical

  • Pet Wellness

The Whole Pet plan offers complete coverage of medical and wellness services. You can expect to receive coverage for chronic and hereditary conditions, check-ups, and prescriptions. The Major Medical plan allows reimbursements for illnesses and injuries.

The Pet Wellness plan has two tiers of coverage, Basic and Plus. Both Pet Wellness Basic and Pet Wellness Plus covers two physical exams per year, flea and tick prevention, vaccinations, and several other services. Pet Wellness plans are only available in certain states.

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ASPCA vs Nationwide: Reimbursements and Deductibles

One of the most significant arenas where ASPCA and Nationwide differs is reimbursements and deductibles.

ASPCA

% of Medical Expenses Annual Deductible Maximum Coverage 
70% $100 $3,000
80% $250 $4,000
90% $500 $5,000
$7,000
$10,000

ASPCA allows you decide your annual deductible amount at $100, $250, or $500. You can also select from three different reimbursement percentages, and along with reimbursements and deductibles, you can select your annual limit. While the claims process is pretty easy to complete, it can take up to 30 days for the claim to process your reimbursement.

 

Nationwide

% of Medical Expenses Annual Deductible Maximum Coverage 
50% $250 $10,000
70% $250 $10,000
90% $250 $10,000

Nationwide has a standard deductible of $250 for the Whole Pet plan, Major Medical plan, and Pet Wellness plan. Some plans, such as the Feline Select plan, don’t have a deductible. You can also opt for per-incident deductibles for the Avian & Exotic Pet plans. These deductibles are $50.

Nationwide’s annual limit is $10,000 for the Whole Pet plan, and the annual limit for the Pet Wellness plan is $400.

There are two different types of reimbursement options. The first is a reimbursement of a percentage of your vet bill. The other is payments on a benefits schedule. The Whole Pet plan offers reimbursement by percentage, and the Major Medical plan reimburses based on a benefits schedule. The reimbursement percentage options that are available are 50%, 70%, and 90%


ASPCA vs Nationwide: Additional Perks

You can receive an extensive amount of coverage from both ASPCA and Nationwide Plans. Here are some additional perks that differentiates them from each other.

ASPCA

ASPCA offers 10% off for any additional pets. While the plans don’t cover pre-existing conditions, your pets can receive coverage if they’ve been cured or symptom-free for more than 180 days. ASPCA also allows more pets to receive coverage. It doesn’t have an age limit, so older pets can still enroll in a plan.

Nationwide

Nationwide offers a 5% discount for additional pets. The discount increases to 10% with the fourth pet. Policyholders also get access to Nationwide’s 24/7 veterinarian helpline, which connects you to a vet for consultations that can save you a visit to the vet’s office.


Company Verdict: Which One Has the Edge?

Customer Service 📞

ASPCA’s customer service line is available from 8 a.m. to 8 p.m. EST on weekdays. Nationwide is available Monday through Friday from 5 a.m. to 7 p.m. PST and on Saturdays from 7 a.m. to 3 p.m. PST.

On top of phone support, Nationwide has a strong social media presence, and it also offers a veterinary consultation line that operates 24/7. This company also tends to give reimbursements more quickly than ASPCA.

Price of Plans 💲

You’ll find more flexibility in your plan prices with ASPCA because there are more options for reimbursement percentages, deductible amounts, and annual limits. ASPCA’s quote finder also allows you to play around with these options so that you can find an accurate quote. Nationwide plans are more static, and the premiums tend to be pricier than its competitors.

Areas of Coverage 🌐

While neither company covers pre-existing conditions, ASPCA is a little more flexible with its chronic condition coverage. If you can provide medical records that prove that your pet has been completely cured of an illness or has been symptom-free for at least 180 days, your pet can receive coverage for that illness.

ASPCA also doesn’t have an age limit for pets that can receive coverage. Nationwide doesn’t offer new policies to pets that are over 10 years old for its Major Medical and Feline Select plans.

Perks📱

Nationwide offers a veterinarian line for its policyholders. However, ASPCA has more cost-saving perks. First, it offers a 10% discount for any additional pets, so it’s great for multi-pet households. Nationwide offers a 10% discount starting with your fourth pet.

Also, ASPCA has a wellness add-on that doesn’t have a wait period, while Nationwide has a 24-hour wait period. All pets are eligible for coverage under ASPCA, but Nationwide has more eligibility restrictions, particularly with age.

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Conclusion

Overall, ASPCA is the better pet insurance company. It enables more pets to receive coverage, and its enrollment process allows you to make a plan that’s heavily customized to your unique pet. It also has additional perks that can help you save on costs.

However, one field where Nationwide comes on top is the coverage for exotic pets. Outside of cats and dogs, ASPCA only offers plans for horses.

So, if you’re looking for coverage for exotic pets, Nationwide would be the pet insurance company for you. If you’re looking for coverage for cats, dogs, or horses, ASPCA will do a better job of covering for your pet’s health and wellness throughout its entire lifetime.



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