Fetch vs. Nationwide: side-by-side pet insurance comparison
How does Fetch Pet Insurance compare to Nationwide for dogs and cats?
Fetch is the most complete coverage you can get, making it a better choice than Nationwide for your pet and your wallet.
Nationwide doesn’t cover behavioral therapy. Fetch does.1
Nationwide doesn’t reimburse 100% on hundreds of qualifying pet meds.† Fetch does.
Nationwide doesn’t cover all breed-specific conditions. Fetch does.
Fetch covers what Nationwide doesn’t
Fetch includes what Nationwide pet insurance charges extra for or doesn’t cover at all. Nationwide can’t match Fetch when it comes to coverage for dental, behavioral therapy, breed-specific conditions and more.
 |  | |
|---|---|---|
$1,000/yr. in behavioral therapy |  | |
Every tooth, plus gums | | |
Online pharmacy. | | |
Hereditary conditions | | Less coverage
|
$1,000/yr. in online vet visits | | |
Covers pets of every | | |
Comparison of coverage is based on core policy coverage and the information is accurate as of June 2026. All coverage is subject to policy limit.
Coverage comparison: See how Fetch includes more for dogs & cats than Nationwide
Fetch covers behavioral therapy. Nationwide doesn’t.
Fetch gives you 100% reimbursement for consultations with a vet to diagnose and treat behavioral disorders. Behavioral therapy is often recommended by a vet to treat your pet if they’re diagnosed with aggression, separation anxiety or a phobia. You’re covered up to $1,000/yr. with $0 copay and $0 deductible.
Nationwide doesn’t cover behavioral therapy at all.
Over 95%
of dogs and 75% of cats get behavioral problems.
Full-mouth dental coverage comes standard with Fetch. Nationwide doesn’t have complete dental coverage.
Fetch’s complete dental coverage includes injury and disease in every adult tooth, not just the canines. Plus, you get full coverage for periodontal disease (the most common disease in dogs and cats), oral tumors, trauma and more.
Nationwide won’t cover your pet’s dental illness if they have tartar before enrollment or during the waiting period. With Fetch, tartar is not considered a pre-existing condition for dental illness.
With Fetch, you get 100% reimbursement on hundreds of qualifying pet meds with Fetch Pet Rx†
Your pet’s medications are delivered to your door and are eligible for 100% reimbursement through our online pharmacy, Fetch Pet Rx. Reimbursement begins once you’ve met your deductible.
Nationwide doesn’t offer this. Fetch is the only pet insurance provider that pays you back 100% of the cost of your pet’s meds when you use Fetch Pet Rx.
Over 74%
of pet parents report that their pet’s prescription cost is burdensome.
Nationwide doesn’t cover all breed-specific conditions. Fetch does.
Fetch covers hereditary conditions linked to breed, like breathing problems in French Bulldogs or hip dysplasia in German Shepherds.
Nationwide only covers some breed-specific conditions and doesn’t cover congenital conditions at all.
Fetch reimburses 100% for online vet visits with the freedom to use any telehealth provider
Fetch covers telehealth treatment, so you can call, text, email or video chat with any televet provider of your choosing — there are no networks. Online vet visits are covered up to $1,000 a year.
Nationwide only covers telehealth if you use their helpline app. Online visits with other televet providers will not be covered.
Fetch covers pets of all ages. Nationwide excludes older pets from enrolling in illness coverage.
Fetch insures all pets 6 weeks and older with no upper age limits.
Nationwide only offers limited coverage for pets that are enrolled at age 8 and older. These pets can only be covered for accidents, not illnesses.
Sparkle & Lee Ann
15 years of vet costs:
$41,434
Fetch paid back:
$32,300
Why Nationwide pet insurance dropped 100,000 pets from coverage
Nationwide made headlines in 2024 with the announcement that they were dropping about 100,000 pet insurance policies. This left tens of thousands of pet parents stranded with no coverage. In a statement, Nationwide said, "Inflation in the cost of veterinary care and other factors have led to recent underwriting changes and the withdrawal of some products in some states — difficult actions that are necessary to ensure a financially sustainable future for our pet insurance line of business.”
Nationwide’s prioritization of profitability over the well-being of dogs and cats left those pet parents with no good options. Here’s why: When you switch pet insurance providers, pre-existing conditions aren’t covered. This means any medical conditions these pets previously had coverage for with Nationwide would likely not be covered with a new provider.
Nationwide is not exclusively focused on pet insurance. Helping you give your dog and cat a longer, healthier life is the focus of everything we do at Fetch. Unlike Nationwide, Fetch has never dropped pets from coverage. Fetch may change your premiums or coverage configuration at renewal; however, we’ve publicly stated that we don't cancel policies based on claims history. With Fetch, you can rest easy knowing you’ll have the most complete pet insurance.
How pet insurance claims work: It’s easy to get reimbursed with Fetch
1
You pay the vet first
You pay your pet’s bill in full at the veterinarian’s office during your visit.
2
Submit a claim to get paid back
Upload a picture of your paid invoice and supporting medical records and submit them in the top-rated Fetch app.
3
Get reimbursed — fast
Claims are typically processed in less than 10 days. Once approved and you've met your deductible, get paid back up to 90% straight to your bank account when you set up direct deposit.
Fetch reimburses 100% for these 7 coverages. Nationwide does not.
While Fetch and Nationwide both offer plans with a 90% reimbursement rate, there are 7 coverages where Fetch will pay back 100% of the cost of approved claims — with no copay and no deductible. These are included for every Fetch Member at no extra cost. Nationwide doesn’t offer this.
7 coverages with 100% reimbursement — up to $1,000/yr. each with Fetch
Behavioral therapy
Fetch gives 100% of the cost to diagnose and treat behavioral disorders with a vet back to you.
Boarding
Fetch covers the cost to board your pet at a licensed facility when you’re hospitalized 4+ days.
Online vet visits
Access to licensed vets on-demand from your phone, computer or tablet is covered 100% by Fetch.
Find a lost pet
Fetch covers the cost of advertising that your pet is lost and paying a reasonable reward for finding them.
Stolen or stray pet
In the tragic event you're unable to find your pet, we'll cover the cost you paid to adopt or buy them.
Canceled vacation
If your pet gets sick or injured when you’re traveling or before you leave, we'll cover cancelation costs.
Passing of a pet
In the heartbreaking event that your pet dies, we'll cover the cost you paid to adopt or buy them.
Learn more about all 100% reimbursement coverages
Fetch has more options for Wellness coverage than Nationwide
Wellness coverage reimburses you for preventive care like annual exams, vaccinations and dental cleanings. When you add Fetch Wellness, you’ll get money back for the vet visits that help keep your pet healthy (think: annual exams, vaccinations, dental cleanings and more). With coverage for both unexpected vet visits and preventive care, you’ll have the full package for your pet’s happiest, healthiest life.
Both Fetch and Nationwide offer preventive coverage as an optional add-on to your pet insurance plan, but Fetch has more flexibility than Nationwide. With Fetch, you can choose between 3 different plans to find what works best for your pet and your budget. Nationwide only has 2 wellness options.
Fetch Pet Insurance ratings & reviews
Fetch is rated ‘Excellent’ on Trustpilot with 4.6 stars (out of 5) from verified pet parents and has a 4.5 star rating on Google Reviews. The Fetch Pet Insurance app is top-rated on Google Play and has 4.8 stars on the Apple App Store.
Top-rated on
I’ve used Healthy Paws and Nationwide in the past and Fetch is significantly better. 10/10 would recommend the insurance for pets of all ages.”
Stefania H., Fetch Member on Google
Questions about how Fetch compares to Nationwide, answered
What does Fetch cover that Nationwide does not?
How much can you customize your Fetch plan compared to Nationwide?
Is Fetch Pet Insurance better than Nationwide for dogs?
Why did Nationwide drop 100,000 pet insurance policies?
Does Fetch cover pre-existing conditions that Nationwide excludes?
How does Fetch Pet Insurance compare to other pet insurance in 2026?
Can I use any veterinarian with Fetch and Nationwide?
