Is Nationwide Pet Insurance Good? (Updated 2025)
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Discover the methodologyNationwide is one of the largest insurance providers in the United States, offering a wide range of coverage options including auto, home, business, life, and pet insurance. With comprehensive pet insurance plans, Nationwide provides pet owners with financial protection against unexpected veterinary expenses, ensuring their furry companions receive the best possible care.
Can You Get Nationwide Pet Insurance in Canada?
Unfortunately, Nationwide Pet Insurance is not available in Canada. The company operates exclusively within the United States, offering coverage for dogs, cats, birds, and even exotic pets. While Nationwide’s pet insurance plans are highly rated for their extensive coverage and wellness add-ons, Canadian residents will need to look for alternative pet insurance providers.
You could use our comparator below to compare and get quotes on the best pet insurance in Canada, in just a few seconds:
Compare the best pet insurance plans on the market!
Best Alternatives to Nationwide Pet Insurance in Canada
Although Nationwide does not offer pet insurance in Canada, several reputable providers offer comprehensive pet coverage:
- Trupanion Canada – One of the most well-known pet insurance providers in Canada, offering direct payments to vets and no payout limits. Trupanion Pet Insurance offers a single, straightforward plan with unlimited annual coverage and a 90% reimbursement rate.
- Fetch Pet Insurance – Provides extensive coverage, including dental and alternative therapies, with flexible reimbursement options. Fetch Pet Insurance offers a single, comprehensive plan that covers accidents and illnesses with annual coverage limits of $5,000, $10,000, or $15,000.
- Spot Pet Insurance - Offers both Accident & Illness and Accident Only plans with annual coverage limits of $5,000, $10,000, or unlimited. The Accident & Illness plan covers vet exam fees, surgeries, diagnostics, and alternative therapies.
- PHI Direct – A budget-friendly option offering essential coverage at lower premiums. PHI Direct Pet Insurance provides a simple plan with annual coverage options of $5,000 or $10,000, an 80% reimbursement rate, and a low deductible of $200.
- Furkin Pet Insurance – Furkin Pet Insurance offers a straightforward plan with an impressive $20,000 annual coverage limit and an 80% reimbursement rate.
If you are looking to compare the best pet insurance policies in Canada, you can use HelloSafe’s pet insurance comparison tool below. It’s free to use and provides personalized quotes from multiple providers in just a few clicks.
Compare the best pet insurance plans on the market!
Is Pet Insurance Worth It in Canada?
Pet insurance is increasingly worth considering, especially given the rising costs of pet care across Canada. According to a recent HelloSafe survey, the average annual cost of owning a dog has climbed to $3,020, marking a 23.3% increase over the past three years.
For larger breeds, these expenses can soar to $4,605 per year, with veterinary bills and food costs being the biggest financial burdens. Larger dogs often require significantly more medical care, with vet expenses sometimes double those of smaller breeds. Unexpected medical emergencies or surgeries can quickly become overwhelming.
Pet insurance can provide crucial financial relief, helping to cover unexpected vet bills and reducing costs by at least 50%, allowing pet owners to prioritize their pet’s health without the stress of steep medical expenses.
Read our full report on how the cost of owning a dog in Canada has evolved since 2021.
How to Get the Cheapest Pet Insurance in Canada?
Finding affordable pet insurance in Canada while ensuring your pet is well-covered requires a strategic approach. Here are some key tips to help you secure the best deal:
- Choose an Accident-Only Plan – If your primary concern is unexpected injuries, an accident-only policy is often much cheaper than comprehensive coverage. These plans cover emergencies like fractures or accidents but exclude illnesses.
- Select a Higher Deductible – Opting for a higher deductible lowers your monthly premium. If you can afford to pay a larger portion of vet bills upfront, this can significantly cut down your ongoing costs.
- Go for Lower Coverage Limits – If your pet is young and healthy, choosing a plan with a lower annual coverage limit can save money. You can always adjust your policy later if your pet's medical needs change.
- Look for Discounts – Many insurers offer discounts for multiple pets, shelter adoptions, or memberships in certain organizations. Always check for available savings when comparing quotes.
- Skip Unnecessary Add-Ons – Wellness and dental coverage can be useful but aren’t essential for every pet. Removing optional add-ons can make your plan more budget-friendly.
- Compare Multiple Quotes – Using an online comparison tool allows you to quickly assess plans from different providers, ensuring you get the best value for your pet’s needs.
Start comparing Canada’s top pet insurance providers now. Use HelloSafe’s free comparison tool to get personalized quotes and find the best deals for your pet!
