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Paw Protect vs Nationwide

Paw Protect vs Nationwide: Verdict

Both Paw Protect and Nationwide offer wide-ranging coverage as well as 24/7 pet telehealth, although Paw Protect is the only one that can pay its share of a covered vet bill straight to your bank account while you’re at the vet, so you don’t have to pay the whole bill upfront with your own money. Here’s how they compare in more detail:

PawNationwide
Can pay vet bills upfront
Annual coverage options$5000, $10,000, Unlimited$10,000**
Deductible options$100, $250, $500$250
Reimbursement options70%, 80%, 90%50%, 70%**
Illness coverage start14 days14 days
Maximum age at sign-upCoverage (14 years) and Accident only (14+ years)10 years
Vet exam fees included
Dental accidents covered
Dental illness covered
Wellness plan offered
24/7 Telehealth
End of life coverage included
10% Multi-pet discount
Military discount

**Whole Pet plan only – defined annual benefits per condition with other plans. Information correct as of May 2023

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Paw Protect vs Nationwide: Claims process

Paw Protect has changed the way pet insurance claims are paid. Usually with pet insurance, you have to pay the whole bill yourself with your savings or a credit card, and then claim the money back, less your out-of-pocket expenses.

But Paw Protect is different. When you get your vet bill, you simply call Paw Protect, and when the covered claim is approved, Paw Protect will immediately send their portion of the covered claim straight to your bank account. That way, you can pay the bill without having to put it on a credit card or dip into your savings – all you have to pay is your out-of-pocket expenses.

With Nationwide, you pay covered vet bills out of your own pocket, then reclaim what you’re owed. This can be done via email, mail or through the VitusVet mobile app.

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