Healthy Paws vs Nationwide pet insurance
Their main accident & illness plans side by side, from each insurer's own documents (reviewed 2026-10-16).
The key differences
- Healthy Paws offers a higher maximum reimbursement (90% vs 80%).
- Healthy Paws has an unlimited annual limit option; Nationwide tops out at $5,000.
- Exam fees: Healthy Paws — not covered; Nationwide — covered.
- Dental: Healthy Paws — accidents only; Nationwide — injury & disease.
Side by side
| Feature | Healthy Paws | Nationwide |
|---|---|---|
| Plan | Accident & Illness Plan | Modular Pet Insurance |
| Price level | $$$ Premium | $$ Mid-range |
| Reimbursement | 70/80/90% | 50/70/80% |
| Annual limit (max) | Unlimited | $5,000 |
| Deductible | Annual | Annual |
| Exam fees | Not covered | Covered |
| Dental | Accidents only | Injury & disease |
| Pays vet directly | No | No |
Show all rows
| Feature | Healthy Paws | Nationwide |
|---|---|---|
| Alternative therapy | Included | Included |
| Accident wait | 15 days | 14 days |
| Illness wait | 15 days | 14 days |
| Orthopedic wait | 12 mo | 12 mo |
| Wellness option | No | Yes |
| Multi-pet discount | None | 5% for 2–3 pets, 10% for 4+ |
| Cured pre-existing | Not covered | Not covered |
| Enrollment age | New policies up to age 13. | No maximum enrollment age. |
| Availability | Sold in every state. | Sold in every state. |