Nationwide Pet Insurance vs Trupanion: Which Is Best?
We’re sure you’ve heard the saying, “A dog is man’s best friend.” If you’ve got a four-legged furry friend in your life, then you’ll know that pets offer a life of joy and affection.
However, pet health can be expensive. Without insurance for pets, it might throw you into financial ruin.
If you are looking for insurance for your pet, make sure to compare nationwide pet insurance vs Trupanion. They’re two of the top pet insurance options.
Read on as we walk you through their offerings and help you decide which company and insurance plan works best for you.
Coverage and Plans
When it comes to choosing insurance for pets, both Nationwide and Trupanion have a wide variety of coverage and plans to choose from. Nationwide offers comprehensive plans that start at just $22 per month.
It covers accidents, illness, preventive care, and even some alternative therapies. They also cover regular and emergency care, as well as conditions that are inherited or born with.
Trupanion offers similar coverage. Plans start at $59 per month and cover illnesses, accidents, and some conditions that are passed down or born with. They also offer a “Reimbursement for Life” plan that offers lifelong renewability.
Overall, both Nationwide and Trupanion have full coverage and plans that can be adjusted to fit any budget.
Enrollment Age and Waiting Periods
Consider enrollment age and waiting periods when choosing between the two. Nationwide requires that your pet be enrolled within the first six weeks of their life. Also, there is a 21-day waiting period for some types of coverage.
Trupanion has a slightly higher enrollment age but only requires a 15-day wait. Depending on your pet’s age, one plan is more ideal than the other.
One plan may also be more comprehensive than the other. Depending on what type of coverage you want for your pet, your age requirements may differ from those of other pet owners.
So, when you’re looking for insurance for pets, it’s important to enroll your pet when it’s young and know how long the waiting period is.
Deductibles and Reimbursement
Nationwide pet insurance has a variety of deductibles to choose from to meet all budgets. Each plan has a different amount for the deductible and how much it pays for regular care, accidents, and illnesses. Generally, the higher the deductible, the lower the premium cost.
On the other hand, Trupanion tends to have lower deductibles but higher reimbursement levels. This means you could pay a higher premium initially, but you will likely receive a higher reimbursement for claims.
Both companies offer good coverage with deductibles and reimbursements that vary. It’s best to research and shop around to determine which is the best fit for your needs.
Check Customer Satisfaction and Reviews
When trying to decide which insurance to go with, it is important to research customer satisfaction and reviews. Nationwide Pet Insurance has been around for a while and offers a variety of coverage levels.
Reviews show that a lot of customers have been happy with their coverage and have good things to say about customer service. Trupanion also offers insurance and has much higher customer satisfaction than Nationwide.
For reviews, many customers have had positive experiences with Trupanion. They have seen their claims go through quickly and easily without any issues.
Customer satisfaction and reviews are crucial when choosing the best pet insurance company. Trupanion appears to be the better option, as more customers have been satisfied with their service.
When it comes to insurance for pets, Nationwide and Trupanion both offer maximum coverage. With Nationwide, your pet will be covered for up to 90% of eligible medical costs. It covers accidents or illnesses (after the deductible) up to $20,000 per incident.
With Trupanion, coverages of up to 90% for eligible medical expenses are available. But the company also provides unlimited coverage depending on the plan you choose. Both companies also offer benefits such as:
- coverage for preventive care
- prescription medications
- cancer treatments
However, Trupanion also adds additional benefits such as coverage for alternative treatments. This includes hydrotherapy, acupuncture, and chiropractic care. At the end of the day, you’ll need to look at each company’s insurance for pets plan and decide which one is best for your pet and your budget.
Nationwide pet insurance and Trupanion both offer add-on options. These added options make insurance for pets more comprehensive and often cover treatments not typically included in most standard insurance plans. With Nationwide pet insurance, you can add on:
- Wellness Coverage
- Cat Breeding
- Warming coverage
- Accident-Only Coverage
These can be tailored to fit your pet’s needs. Trupanion offers add-ons such as:
- Felines Enhanced Coverage
- Nail Trims
- Ear Cleaning
- Knee and Cruciate Coverage,
- Behavioral Therapies
Each option has its pros and cons, and pet owners should make an informed decision based on their pet’s needs and budget. Ultimately, each insurance plan should be tailored to meet the specific needs of the pet and the pet owner.
When it comes to geographic coverage, it is important to compare Nationwide Pet Insurance and Trupanion side by side. Nationwide Pet Insurance is available in all U.S. states, making it a good option for those who own a pet that is likely to travel across the country.
On the other hand, Trupanion only operates in the U.S., Mexico, Canada, and Puerto Rico, meaning some places may not be served. Additionally, Nationwide offers more options for yearly and lifetime coverage plans, while Trupanion offers more choices for short-term coverage plans.
Ultimately, the best choice will depend on the pet owner’s individual needs and budget.
If wide geographic coverage is important, Nationwide may be the best option, while if short-term coverage plans are needed, Trupanion might be the best answer. Regardless, it is important to compare both plans carefully before deciding.
A Guide Between Nationwide Pet Insurance vs Trupanion
Nationwide pet insurance vs Trupanion may both offer plans to fit your needs, but it all depends on you and your pet. Do your research and see which one has the features that suit you best.
Whichever one you choose, you can trust that your pet will be in safe hands with either one. So why wait? Get started on choosing the right plan today!
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