Head-to-Head
ASPCA vs Nationwide
Side-by-side comparison of coverage, pricing, waiting periods, and overall value.
Coverage comparison
| Feature | ASPCA | Nationwide |
|---|---|---|
| Hereditary | ✓ Yes | ✓ Yes |
| Congenital | ✓ Yes | ✓ Yes |
| Bilateral | ✓ Yes | ✓ Yes |
| Dental | ✓ Yes | ✓ Yes |
| Behavioral | ✓ Yes | ✓ Yes |
| Prescription | ✓ Yes | ✓ Yes |
| Alternative Therapies | ✓ Yes | ✓ Yes |
| Exam Fees | ✓ Yes | ✓ Yes |
Pricing comparison
| Dog type | ASPCA | Nationwide |
|---|---|---|
| Small (young) | $25–$50/mo | $35–$70/mo |
| Medium (young) | $35–$65/mo | $45–$85/mo |
| Large (young) | $45–$85/mo | $55–$110/mo |
| Brachycephalic | $50–$95/mo | $65–$125/mo |
| Large (senior) | $60–$120/mo | $80–$155/mo |
Plan flexibility
| Option | ASPCA | Nationwide |
|---|---|---|
| Deductibles | $100, $250, $500 | $100, $250, $500 |
| Reimbursement | 70%, 80%, 90% | 50%, 70%, 90% |
| Annual limits | $5000, $10000, Unlimited | $5000, $10000, Unlimited |
Waiting periods
| Type | ASPCA | Nationwide |
|---|---|---|
| Accidents | 14 days | 14 days |
| Illness | 14 days | 14 days |
| Orthopedic | None | 6mo |
Strengths & weaknesses
ASPCA
✓ Optional preventive care wellness plan
✓ Behavioral coverage included
✓ No upper age limit for enrollment
✓ Comprehensive coverage including dental illness
✓ Backed by trusted ASPCA brand
✗ 14-day accident waiting period
✗ 6-month cruciate ligament wait
✗ Underwritten by Crum & Forster not ASPCA directly
✗ Wellness add-on costs extra
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, ASPCA or Nationwide?
ASPCA has a higher overall rating. ASPCA scores 4.2/5 while Nationwide scores 4/5. The best choice depends on your dog's breed, age, and your coverage priorities.
How much does ASPCA cost vs Nationwide?
For a medium-sized young dog, ASPCA costs $35–$65/month while Nationwide costs $45–$85/month. ASPCA is generally more affordable.
Which has better coverage, ASPCA or Nationwide?
Both providers cover core accident and illness expenses. ASPCA processes claims in 10 days on average, while Nationwide takes 14 days. Review the coverage table above for detailed feature-by-feature differences.
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