Head-to-Head
AKC vs Nationwide
Side-by-side comparison of coverage, pricing, waiting periods, and overall value.
Coverage comparison
| Feature | AKC | Nationwide |
|---|---|---|
| Hereditary | ✓ Yes | ✓ Yes |
| Congenital | ✓ Yes | ✓ Yes |
| Bilateral | ✓ Yes | ✓ Yes |
| Dental | ✗ No | ✓ Yes |
| Behavioral | ✓ Yes | ✓ Yes |
| Prescription | ✓ Yes | ✓ Yes |
| Alternative Therapies | ✗ No | ✓ Yes |
| Exam Fees | ✗ No | ✓ Yes |
Pricing comparison
| Dog type | AKC | Nationwide |
|---|---|---|
| Small (young) | $22–$48/mo | $35–$70/mo |
| Medium (young) | $30–$62/mo | $45–$85/mo |
| Large (young) | $40–$82/mo | $55–$110/mo |
| Brachycephalic | $48–$95/mo | $65–$125/mo |
| Large (senior) | $58–$120/mo | $80–$155/mo |
Plan flexibility
| Option | AKC | Nationwide |
|---|---|---|
| Deductibles | $100, $200, $250, $500 | $100, $250, $500 |
| Reimbursement | 70%, 80%, 90% | 50%, 70%, 90% |
| Annual limits | $2500, $5000, $10000, $15000, Unlimited | $5000, $10000, Unlimited |
Waiting periods
| Type | AKC | Nationwide |
|---|---|---|
| Accidents | 14 days | 14 days |
| Illness | 14 days | 14 days |
| Orthopedic | 12mo | 6mo |
Strengths & weaknesses
AKC
✓ Breed-specific expertise from AKC partnership
✓ Low starting annual limit ($2500) for budget plans
✓ Hereditary and congenital conditions covered
✓ No upper age limit
✓ Available in all 50 states
✗ 12-month orthopedic waiting period
✗ No dental coverage
✗ No alternative therapy coverage
✗ No exam fee coverage
✗ Small multi-pet discount
Nationwide
✓ Only major provider covering exotic pets
✓ Available through employer benefit programs
✓ Whole Pet with Wellness plan option
✓ Long-established brand since 1982
✓ No upper age limit
✗ Higher premiums than competitors
✗ Slower claims processing
✗ 6-month orthopedic waiting period
✗ 50% reimbursement on lowest tier
✗ Limited plan customization
Frequently asked questions
Which is better, AKC or Nationwide?
Nationwide has a higher overall rating. AKC scores 3.9/5 while Nationwide scores 4/5. The best choice depends on your dog's breed, age, and your coverage priorities.
How much does AKC cost vs Nationwide?
For a medium-sized young dog, AKC costs $30–$62/month while Nationwide costs $45–$85/month. AKC is generally more affordable.
Which has better coverage, AKC or Nationwide?
Both providers cover core accident and illness expenses. AKC processes claims in 12 days on average, while Nationwide takes 14 days. Review the coverage table above for detailed feature-by-feature differences.
Get your free cost report
Enter your email and we'll send a personalized breakdown of costs.