Paw Protect vs Nationwide

Paw Protect vs Nationwide: Verdict

Paw Protect offers all its customers the option of using a $2,000 interest-free line of credit to pay covered vet bills* up front, via a virtual Paytient Visa card. This means you don’t have the stress of having to find the money to pay the bill up-front. 

With Nationwide, like other insurers, you have to pay the vet bill up front and then claim it back. 

Both companies offer wide-ranging coverage as well as 24/7 pet telehealth. Here’s how they compare in more detail:

Pet insurance without paying vet bills* up-front
Annual coverage options$5000, $10,000, Unlimited$10,000**
Deductible options$100, $250, $500$250
Reimbursement options70%, 80%, 90%50%, 70%**
Coverage start14 days14 days
Maximum age at sign-up14 years accident and illness,
15+ accident only
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 offers an optional $2,000 interest-free line of credit to pay covered vet bills* via a virtual Visa card from Paytient, so you can pay without having to find the money from your own savings.†

If approved for Paytient, and if your bill is under $2,000, as most are, you don’t need to pay a cent of your own money up-front. You’ll need to pay anything over $2,000 up-front, but you’ll be reimbursed quickly for any covered condition.

  • The claims process is like regular insurance. Submit the claim paperwork via our app, online, by email or through the mail. 
  • You’ll be reimbursed a few days later, less your deductible and copay. 
  • Use your reimbursement to pay down your Paytient balance and pay off any remaining out-of-pocket costs over up to 12 months interest free.

With Nationwide, you pay in full out of your own pocket, then reclaim Nationwide’s share of the costs. This can be done via email, mail or through the VitusVet mobile app.