Choosing the best nationwide pet insurance plan may seem overwhelming. Fortunately, there are several different options to choose from. Our reviewers considered Healthy Paws, Figo, Embrace, and Trupanion. Read on to discover which is the best nationwide pet insurance plan for your dog. We’ve also included the pros and cons of each plan, as well as their unique benefits. We hope this information is useful for you in your search for the right plan for your pet.
Healthy Paws – Best Nationwide Pet Insurance
Healthy Paws is the best nationwide pet insurance policy available. The plan covers illnesses and injuries up to 14 weeks old and has a 4.9-star rating from consumers. It doesn’t cover pre-existing conditions and does not cover elective procedures such as dental care or behavioral treatments. Healthy Paws also excludes pre-existing conditions like behavioral therapy. However, the Healthy Paws customer service department is available 24 hours a day, seven days a week, from 11 a.m. to 8 p.m. EST.
While both Healthy Panja and Nationwide offer similar plans. Then there is a difference between them. The former has more extensive coverage. While the latter offers more customized plans. The latter also costs more, but it offers phone and email support. If you want to choose the most affordable plan for your pet, Healthy Paws is the best nationwide pet insurance plan. However, both plans provide excellent support and have positive customer ratings. Choosing the right plan for your pet will depend on their needs.
The deductible for Healthy Paws is $100, $250, and $500. If your pet has multiple issues in the same policy year, a $500 deductible may result in lower reimbursement. But the standard plan from Healthy Paws costs less than Nationwide and provides unlimited benefits. Moreover, Healthy Paws offers several discounts for employers and military members. Its monthly premiums are on average $31 per dog and $18 for cats.
Trupanion – Best Nationwide Pet Insurance
A nationwide pet insurance plan is an excellent way to keep your beloved pet insured, but how does it compare to other plans? With Trupanion, you can save up to 90% on vet bills each year. The plan covers illnesses and accidents and reimburses you up to 90% of the cost. The plan is non-deductible, but there are no maximum payouts, which can explain the price. It also doesn’t provide a discount for multiple pets, although there are optional add-ons available.
Trupanion Nationwide pet insurance plan covers up to two months of prescription food. And it covers 50% of supplementary costs for diseases diagnosed by the insurer. The plan also covers your pet while traveling within the U.S., Canada, and certain U.S. military bases. To purchase a policy, you can visit the Trupanion website. Once you’ve signed up, you’ll receive a quote.
Other benefits of Trupanion include a discounted fee for registered service animals (though this doesn’t apply to emotional support animals). Moreover, a one-time $35 administrative fee applies to new members. The policy also covers your pet’s boarding when you’re in the hospital. The plan also covers unintended property damage and advertising costs if your pet gets lost or stolen. The Trupanion nationwide pet insurance plan can save you up to $100 every year.
Figo
Both Figo and Nationwide have various levels of coverage and prices. Premiums vary depending on the age and breed of your pet. Depending on the coverage you choose, you may also have to pay a deductible. Your deductible is the amount you will need to pay before the insurance starts paying out. Figo offers a higher reimbursement level and lower monthly premiums, while Nationwide only offers reimbursements based on a schedule of benefits. The deductible amounts for the two insurance companies vary from $100 to $1,500. Figo is the better option if you want your pet to have the best coverage and don’t want to pay too much.
Unlike other plans, Figo offers customized coverage for pet parents. The company’s plans cover veterinary services, wellness, and X-rays. Veterinary exams are covered 100%, as well as some wellness and alternative therapies. Even more, Figo offers 24/7 emergency support, which means you can call your vet at any time. In addition to this, you can also get push notifications, text messages, and instant messaging from the service.
Figo also offers a free app, called Pet Cloud. This mobile app allows you to check on the status of your claim, view your pet’s medical records, and transfer your insurance to a new owner if needed. In addition to this, the company offers fun features, like playdates, pet-friendly locations, and vaccination reminders. The company requires that customers submit medical records from 12 months before applying for a policy. The same goes for routine veterinarian visits.
Embrace
Embrace offers three different types of policies. The main accident and illness plan is reasonably priced, starting at seven dollars a month for cats and fourteen dollars for dogs. Each policy is customizable, offering an annual deductible of $200, $500, or $1,000. Accident-only policies are cheaper but still cover ninety percent of vet bills. Embrace also offers wellness coverage. However, this is an additional cost. Pre-existing conditions are not covered by Embrace.
Customers should know that their policy can increase over time, due to pet age, inflation, and other factors. However, if your pet is diagnosed with a chronic condition, your coverage will remain unchanged each year, up to the Annual Maximum Payout. In case of a claim, you can cancel the policy and receive a refund of the premium within thirty days. Embrace does not require pre-certification for most procedures. To receive a full refund, contact Embrace customer service to see what their requirements are.
Embrace has good customer satisfaction. Customers can choose coverage options, including behavioral therapy and prosthetics. The maximum coverage is thirty thousand dollars online and fifteen thousand dollars in NY. However, if you enroll via phone, you can receive unlimited coverage in most states. The Embrace nationwide pet insurance plan covers more than just veterinary bills. Nationwide pet insurance customer service is also excellent, but the monthly premium rates are comparable to other plans. You can also get discounts for being a member of the military, for example.
Embraces customer service and claims processes are also relatively straightforward. The company’s Better Business Bureau profile shows mixed reviews. Customers complain about long wait times and confusion regarding pre-existing conditions. However, most customers praise the smooth claims process. If you decide to go with this policy, make sure to read the fine print. If you have any questions or concerns, contact Embraces customer service. While Embrace is rated well by the Better Business Bureau. There are a few things you should know before signing up.
Whole Pet
When it comes to nationwide pet insurance plans, Whole Animal Health Plans are considered the best. Complete pet health plans cover preventative care and wellness care for your pet. These include dentistry and age-related changes in their eyes and ears. Some policies cover parasite treatment and nutritional supplements as well as pregnancy and emergencies. You can customize your policy to suit your needs. The best plans include a range of wellness add-ons, so you can choose the coverage that best suits your budget.
Nationwide offers several plans with different features and benefits. Most of them offer comprehensive accident and illness coverage, but they do not offer accident-only plans. Still, Nationwide is a great choice if you’re worried about paying unexpected vet bills. This pet insurance provider provides service and coverage. However, the claims process can be cumbersome at times. The quality of coverage and the claims process are comparable to other providers. The policy is subject to change. So keep this in mind while choosing a plan.
Nationwide’s Whole Pet plan covers almost all types of veterinary treatments and procedures. You can submit claims online and track them in real time on your smartphone. The whole Pet with Wellness plan features 90% reimbursement, a $250 deductible, unlimited annual benefits, and a money-back guarantee. The policy is available for both cats and dogs. You can compare Whole Pet with other nationwide pet insurance plans and decide for yourself which is best for your pet.
