Both Costco and Nationwide pet insurance have accident and illness plans covering everything from arthritis treatments to minor skin lacerations.
Costco and Nationwide both have a 14-day waiting period for illnesses. However, Costco has a one-day waiting period for accidents, while Nationwide has a 14-day accident waiting period.
Both companies also have extended waiting periods for other conditions. For example, Nationwide has a 12-month waiting period for cruciate ligaments or meniscus (knee) injuries, and Costco has a 6-month waiting period for orthopedic conditions. However, Costco pet insurance will waive the extended waiting period if your vet signs an orthopedic waiver within the first 30 days of your policy.
Another key difference between the two companies is that Costco offers an extra care pack add-on that covers expenses like boarding fees, property damage liability and vacation cancellations if you delay your trip due to a pet emergency. Nationwide doesn’t offer any of these options.
Nationwide includes exam fees in its plans, while you must buy the extra Wellness power-up from Costco if you want coverage for exam fees.