Key Differences
Nationwide's annual limit is fixed at unlimited, and Prudent Pet's annual limit is configurable up to unlimited.
Prudent Pet offers Direct Vet Pay on a case-by-case basis.
Nationwide's reimbursement rate options are lower than Prudent Pet's.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans Prudent Pet and Nationwide offer.
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Price: |
Get a Quote | Get a Quote |
Overall Rating: |
|
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Total Reviews: |
1,619 |
76,077 |
Deductible: |
$100, $250, $500, or $1,000 |
$250, $500, or $1,000 |
Reimbursement: |
70%, 80%, or 90% |
50%, 60%, or 70% |
Annual Limit: |
$2,500, $5,000, $10,000, or Unlimited |
Unlimited |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
5 days |
14 days |
Illness Waiting Period: |
14 days |
14 days |
Wellness Waiting Period: |
0 days |
1 day |
Orthopedic Waiting Period: |
6 months, optional waiting period waiver |
12 months |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Optional |
Optional |
Dental Coverage: |
Limited Coverage |
Limited Coverage |
Exam Fee Coverage: |
Optional |
Optional |
Direct Vet Pay: |
Yes, on a case-by-case basis |
No |
Claims Expiration: |
90 days after the end of the policy period |
Within 365 days of the date of treatment* |
Claims Submission App: |
No |
No |
Prudent Pet Accident and Illness Coverage
Prudent Pet offers two accident and illness plans: Essential and Ultimate. You can configure the deductible and reimbursement rate for the plan you select to fit your needs and budget.
Deductible Options
$100, $250, $500, or $1,000
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
$2,500, $5,000, $10,000, or Unlimited
What's Covered
Here is what is covered in each plan that Prudent Pet offers.
Essential Plan
The Essential accident and illness plan offers a $10,000 annual limit which cannot be configured. You can adjust the deductible and reimbursement rate to your preference.
Alternative Therapies (Vet-Prescribed)
Behavioral Disorders
Bite Wounds
Broken Bones
Cancer & Growths
Cancer Treatments
Congenital (Birth) Defects or Abnormalities
Digestive Illness
Eye, Ear, Skin Conditions
Emergencies
Hereditary Conditions
Hip Dysplasia
Hospitalizations
Injuries to Teeth or Mouth
Prescription Meds
Radiology & Diagnostic Tests
Surgery & Specialized Care
Swallowed Objects
Urinary Infections
Ultimate Plan
The Ultimate accident and illness plan offers an unlimited annual limit that cannot be configured. You can adjust the deductible and reimbursement rate to your preference. This plan covers everything that is in the Essential plan, plus:
Advertising & Reward
Boarding Kennel & Cattery Fees
Loss Due to Theft or Stray
Mortality Benefit
Vacation Cancellation
Optional Coverage Add-Ons
Vet Exam Fee
Wellness Coverage
Nationwide Accident and Illness Coverage
Nationwide offers accident and illness coverage you can configure your deductible and reimbursement rate to fit your budget and needs.
Deductible Options
$250, $500, or $1,000
Reimbursement Options
50%, 60%, or 70%
Annual Limit Options
Unlimited
What's Covered
Accidents
Alternative Treatment
Cancer Coverage
Chronic Conditions
Congenital Conditions
Diagnostic Treatment
Emergency Care
Hereditary Conditions
Hospitalization
Illnesses
Prescription Medications
Specialty Care
Surgery
X-rays, Blood Tests, Ultrasounds
Optional Wellness Coverage Add-On
Nationwide offers two levels of optional wellness coverage. The first level provides $450 in annual benefits and the second level provides $800. Here’s what is covered in each.
Level 1 - $450 Total Annual Benefit
Physical Exam (2 exams per term)
Vaccination or Titer
Heartworm or FeLV/FIV test
Fecal test
Deworming
Microchip
Health certificate
Flea control OR Heartworm prevention
Level 2 - $800 Total Annual Benefit
Everything listed in Level 1 is covered plus:
One additional test
Health screen (blood test), Radiograph (x-rays), or Electrocardiogram (EKG)
Spay/neuter/dental**
**Coverage for spay/neuter or dental starts 90 days after the original policy term effective date.
Pet Insurance Claims Comparison
The claims process can vary across pet insurance companies. Here’s a look at how claims work for Prudent Pet and Nationwide.
Prudent Pet Claims Details
Prudent Pet has an online portal where you can directly submit your claims. Alternatively, you can submit claims via fax, mail, or email with invoice(s) no later than 90 days after the end of the policy period. Prudent Pet also offers vet direct pay on a case-by-case basis.
Direct deposit option for receiving reimbursements
Convenient claim submission on desktop or mobile through a customer portal
75% of claims are processed and reimbursed within 24 hours
Nationwide Claims Details
With Nationwide Pet Insurance, you can file a claim through an online portal, fax, mail, or email with invoice(s).
Direct deposit option for receiving reimbursements
Trackable claim status using the online portal
Our Prudent Pet vs. Nationwide Review
Nationwide and Prudent Pet offer comprehensive coverage for accidents, illnesses, and various health issues like cancer and breed-specific conditions. Both providers offer an optional wellness coverage add-on to their base plan. As for coverage, they are similar but Prudent Pet offers Direct Vet Pay. You can configure the deductible and reimbursement rate on a plan with Nationwide, but the maximum annual limit is fixed. Prudent Pet offers options for deductibles, reimbursement rates, and annual limits. Overall, both providers offer competitive rates. The best way to understand which company has the best plan for your pet is by comparing quotes from both companies.
