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ASPCA vs Nationwide Pet Insurance Comparison 2026: Which is Best?
In This Review:
Pet insurance is beneficial to pet owners throughout the world as it provides them with financial safety from large vet bills. It is essential to choose a pet insurance company that offers the coverage you’re looking for, for a price you are happy to pay. ASPCA and Nationwide are two impressive pet insurance companies—and although somewhat different, they’re recognized and trusted by millions of customers.
ASPCA Pet Insurance’s Complete Coverage plan can be customized with the deductibles, reimbursement percentages, wellness options, and annual limits of your choice. Nationwide Pet Insurance is unique in the way that it offers coverage beyond the typical pet and allows you to cover a wide range of exotic pets too.
There are many factors surrounding the pet insurance companies we’ll be comparing, so keep reading to find out more.
A Quick Comparison
| Company Name | ASPCA | Nationwide |
| Pets Covered | Dogs, cats, and horses | Exotic pets, dogs, and cats |
| Types of Plans | Complete Coverage and Accident Only Plans | Whole Pet Plan and Major Medical Plan |
| Deductibles | Annual | Annual |
| Reimbursement | Either 90%, 80%, or 70% of covered vet costs | 90% of covered vet costs or fixed benefit schedule amount |
| Additional Perks | 10% discount per additional pet | 5% discount for the next two additional pets and 10% per pet added after the third |
Brief Overview of ASPCA
Pros
- Customizable to suit you and your pet’s needs
- Accident, illness, and wellness coverage
- 10% multi-pet discount
- Wellness plans are available as add-ons
- Covers cats, dogs, and horses
Cons
- No standalone wellness plans
ASPCA is a large humane society that stands for the American Society for the Prevention of Cruelty to Animals. They fight for better treatment of animals and the protection of animals under the law.
ASPCA joined forces with a longstanding pet insurance company, Hartville Pet Insurance, and is known as ASPCA Pet Insurance. Both Hartville Pet Insurance and ASPCA are well-known and trusted brands, which benefits their image.
ASPCA Pet Insurance is a top company that offers coverage to cats, dogs, and horses throughout the United States and Canada. Pets on their plans can visit any vet in either country as there are no state restrictions. Although seemingly unimportant, this benefit stands out because most companies only cover cats and dogs and only when they visit specific vets that are on their network.
Their website is user-friendly and easy to understand. They even offer a comparison tool that allows you to compare other pet insurances against theirs, which clearly lays out all the information, whether better or worse.
Brief Overview of Nationwide
Pros
- Exotic pet coverage, along with cats and dogs
- Comprehensive coverage in Whole Pet plan
- Multi-pet discount applies to any type of pet
- Preventative care is included
Cons
- Not customizable
- Wellness plans aren’t available in all states and can’t be added to all plans
Nationwide Pet Insurance is another strong name in the world of pet insurance. They’ve been around for many years and cover more than a million pets throughout the United States. Although they started with a different focus than pet insurance, they acquired the first pet insurance company in the United States, Veterinary Pet Insurance, in 2009.
Nationwide offers pet insurance, along with many other insurance policies. They know the world of insurance and are a great option for people that like to use one company for all of their insurance policies.
Like ASPCA Pet Insurance, Nationwide offers coverage to more types of pets than the average pet insurance company. They cover dogs and cats, as well as exotic animals, which can be anything from a chameleon to a tortoise!
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ASPCA vs Nationwide: Plans Available
Most pet insurance companies follow a general structure on what they should cover. However, some allow for flexibility while others don’t. Both ASPCA and Nationwide have an accident and illness plan. Both companies also offer a wellness option that can be added to a plan. However, Nationwide offers a standalone Wellness plan, while ASPCA offers an accident-only plan. Naturally, plans that cover accidents, illness, and wellness will be a lot more expensive than accident-only plans.
| Company | Sample Monthly Cost For Dogs | Sample Monthly Cost For Cats | Learn More |
| ASPCA | $34.60 | $18.94 | Click to Get Quote |
| Nationwide | $34.34 | $14.98 | Click to Get Quote |
ASPCA
ASPCA Pet Insurance offers two plans, one being Complete Coverage and the other an Accident-Only Plan. The Complete Coverage plan allows you to customize it to your pet’s needs. There are also wellness coverage options that you can add to your plan. The Accident-Only plan is a cheaper option between the two plans, but it only covers accident-related veterinary care.
Nationwide
Nationwide Pet Insurance has more plan options to choose from, but none of them are customizable, like ASPCA’s Complete Coverage plan. They have Major Medical, Whole Pet, and Wellness. The first plan is their basic policy which covers accidents and injuries, while the second is the comprehensive plan. The third plan isn’t available in every state, but it reimburses you for basic services such as vaccinations. You can add the Wellness plan to your Major Medical plan but not the Whole Pet plan.
The Wellness Plan has two options. The first is Wellness Basic, which is the more affordable option with a lower annual limit. The second is the higher option, called Wellness Plus.
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ASPCA vs Nationwide: Reimbursements and Deductibles
Whatever you have to pay before your pet insurance company pays out is referred to as the “deductible.” The reimbursement rate is the percentage of the vet cost that the company will pay you back. ASPCA offers three deductible and reimbursement options, while Nationwide offers four deductible options and two reimbursement options. They both offer annual deductibles. The type of deductible and reimbursement option you choose will determine your premium cost.
ASPCA
ASPCA has annual deductible options of $100, $250, and $500. They offer reimbursement percentage options of 70%, 80%, and 90%.
Nationwide
Nationwide has annual deductible options of $100, $250, $500, and $1000. They offer reimbursement percentage options of 50% and 70%.
ASPCA vs Nationwide: Additional Perks
Pet insurance companies often offer additional perks to grab the attention of potential customers. Many of these companies will offer a multi-pet discount or a Clubcard holder discount. Some companies offer military, employee, online policy, medical services animal, membership, or exam day discounts.
ASPCA
ASPCA Pet Insurance tops Nationwide Pet Insurance with their multi-pet discount because you qualify for a 10% discount once you cover your second pet. You’ll continue to receive a 10% discount per additional pet you cover. ASPCA also offers a 10% employee benefit discount. If you are an employee at an animal care facility, you might also qualify for a 10% discount with ASPCA pet insurance.
Nationwide
Nationwide Pet Insurance doesn’t offer as great of a multi-pet discount as ASPCA, as they only offer a 5% discount per second and third pet that you cover. Once you cover your fourth pet, your discount will increase to 10% per pet. With ASPCA, you’ll receive a 10% discount for your second pet, but with Nationwide, you’ll only receive that 10% discount from your fourth pet.
Company Verdict: Which One Has the Edge?
Customer Service📞
Edge: Nationwide
Both pet insurance companies allow you to contact them through their respective phone numbers and email addresses. However, you’ll have to phone within their office hours to reach a staff member.
Nationwide beats ASPCA Pet Insurance due to their 24-hour vet helpline, where you’re able to chat or phone a veterinary professional at any time of the day or night with concerns about your pet. The ASPCA Pet Insurance App is a little less personal, but you’ll be able to submit claims quickly without having to phone.
Price of Plans💲
Edge: ASPCA
ASPCA and Nationwide are similar when it comes to the price of their plans. However, Nationwide has fixed plans with high deductibles, while ASPCA allows you to customize their plans with different deductible options, reimbursement levels, and annual limits. You may also get a discount if you qualify.
Areas of Coverage🌐
Edge: Nationwide
Both ASPCA and Nationwide offer great coverage plans. They both offer accident and injury plans and allow for wellness coverage along with your plan. However, ASPCA offers an Accident-Only plan which is necessary for pet owners looking for a low plan option. ASPCA’s Complete Coverage and Nationwide’s Whole Pet plans have similar coverage inclusions.
Nationwide offers a standalone Wellness Plan, which is quite unusual as they usually have to be added to an existing plan. The Wellness plan covers basics and is an affordable option. Nationwide Pet Insurance also covers a larger variety of pets than ASPCA.
Perks📱
Edge: ASPCA
When it comes to the perks, ASPCA trumps Nationwide. With Nationwide only offering a 10% pet discount from pet number four, ASPCA is the better option for a multi-pet household, with a 10% discount per pet from pet number two.
ASPCA also offers discounts in areas that Nationwide does not, such as with their employee benefit discount and animal care support discount.
Find The Best Insurance Companies in 2025
Conclusion
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| Our Rating | ||
| Multi-Pet Discount | ||
| Spaying/Neutering | ||
| Vaccination | ||
| Hereditary Conditions | ||
| Compare Quotes | Compare Quotes |
Before settling on one pet insurance company, it’s important to shop around and choose the one that best suits you and your pet’s needs. Both ASPCA Pet Insurance and Nationwide Pet Insurance are some of the top pet insurance companies in the United States, and they’re very similar in many ways.
If you’re looking for a customizable plan with great discounts, ASPCA Pet Insurance may be your better option. If you’re looking for a plan that includes preventative care and coverage for a wide range of pet types, Nationwide Pet Insurance is worth considering.
See also:
Hepper acknowledges that it is not licensed as an insurance agent, and therefore will not offer any advice regarding insurance, nor recommend a particular coverage, policy, or insurance company.
Sources
https://www.forbes.com/advisor/pet-insurance/what-does-pet-insurance-cover/
https://www.aspcapetinsurance.com/research-and-compare/compare-plans/competitors/nationwide/
https://www.forbes.com/advisor/pet-insurance/aspca-pet-insurance-review/
https://www.investopedia.com/nationwide-pet-insurance-review-5070734#citation-10
https://www.investopedia.com/aspca-pet-insurance-review-5072013
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Keri-Beth is from South Africa and is a freelance writer who specializes in the pet niche. She has grown up with a range of pets, volunteered at countless pet shelters, and is highly passionate about pet care. Currently, Keri-Beth is raising two dogs - Benji, the Golden Cocker Spaniel, and Gracie, the Boerboel. With so much information out there, Keri-Beth has made it her mission to make pet care as easy and straightforward as possible.
In her spare time, Keri-Beth enjoys camping, photography, and spending time with her husband, who is a professional drummer. She not only has a heart for pets but people too.
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