When it comes to making sure that you choose the right pet insurance for your beloved furry friend it can seem like there is just too much to choose from. So, we have made it easy for you. Here we will compare some of the top pet insurance brands to see how they stack up against each other.
Nationwide and Pumpkin
Nationwide pet insurance is one of the best-known names when it comes to pet plans so let’s compare it with Pumpkin to see how they rank.
Plans available
Nationwide offers many different types of pet insurance all of which differ in their coverage for general care, accidents and illnesses whereas Pumpkin offers one simple but comprehensive coverage plan, covering accidents, illnesses and wellness check-ups.
Reimbursement
Pumpkin makes insurance reimbursement easy. As they have one comprehensive plan available they offer you 90% back on all eligible vet or hospital bills. Nationwide, on the other hand, has many different reimbursement rates. Depending on which insurance plan you choose you can expect to receive anywhere from 50-90% of your money back on eligible vet bills.
Nationwide also caps the amount of money that can be reimbursed for each condition. So, if your pet has a long-term illness then this is worth taking into consideration as you will have to pay out of pocket for any amount over the limit.
So, even if a plan seems like a better deal make sure that you read all of the terms and conditions to make sure that you will not actually end up paying more in the long run!
Waiting periods
If your little furry friend, unfortunately, becomes ill, for example, if they need to have knee surgery (a very common procedure with cats and dogs), then you will want them to be seen to as quickly as possible.
This is where Pumpkin is clearly superior. They can have your pet seen in 14 days or less, making it one of the shortest waiting periods there is. Others, such as Nationwide, will have you waiting up to a year before your pet can be seen by a specialist.
However, do note that if the ligament problem occurred before your insurance plan started then your pet will not be eligible for the surgery under the insurance plan. If the problem arises after the insurance has started (either 14 days with Pumpkin or one year with Nationwide) then it will be covered.
Additional discounts
Obviously the more pets you add to your insurance plan the more you will want to save. Pumpkin offers you a 10% discount for each extra pet you add to your plan, whereas Nationwide offers only a 5% discount (for 2-3 pets) or a 10% discount for 4 pets or more.
To sum up
So, on all accounts, Pumpkin is the superior pet insurance brand. Not only do they make the process as simple as possible by limiting the plans, but they will save you more money and reduce the waiting time for important procedures.