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Nationwide Pet Insurance Review


Rating: 8.5 / 10 (Excellent)
1,792 Customer Comments & Reviews - see all comments
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Nationwide is a Fortune 100 company with unparalleled financial stability and claims paying ability that has recently ventured into the pet insurance marketplace. The company stands out because they offer expanded coverage beyond just cats and dogs, as well as wellness plans that cover things like checkups and vaccinations.

How is Nationwide rated?

Breakdown

10/10
Coverage
10/10
Benefit Limits
10/10
Deductibles
10/10
Reimbursement
8/10
Claims and Service
6/10
Pricing
6/10
Enrollment

Overall Rating: 8.5 / 10 (Excellent)

Nationwide's Whole Pet with Wellness Plan is one of the most comprehensive on the market, and it will as a result cost you more than most standard pet insurance plans. Nationwide is one of the few pet insurance providers that will extend coverage to beyond dogs and cats, covering birds and all manner of other pets. Truly unlimited coverage, however, is only offered if you choose the top tier plan. Be aware that all plans beside Whole Pet with Wellness operate on a benefit schedule.

Nationwide Coverage

Coverage Specifics

Pets Covered
Dogs
Cats
Birds
Exotic Animals
Coverage Types
Medical
Wellness
Vet Selection
Unrestricted
Out of State Coverage
Commercial Pets Covered

Coverage - 10 / 10

Nationwide's Whole Pet with Wellness plan is one of the most comprehensive pet insurance policies out there. In addition to the normal accident and illness coverage, it also provides for yearly physical exams, vaccinations, and flea/heartworm prevention. It is, however, on the pricey side as a result. Its Major Medical plan is more in line cost and coverage-wise with the standard accident and illness plans offered by most companies. You can also purchase the wellness plan on it's own, and it is relatively inexpensive. Finally, Nationwide is the only company we are aware of that extends pet insurance beyond cats and dogs. The company will cover most birds and a wide range of exotic pets.

Medical Conditions Covered

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental
  • Dental Illness

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care
  • Behavioral Therapy

Reimbursement & Maximum Benefit Limits

Reimbursement - 10 / 10

Nationwide's top tier Whole Pet with Wellness reimburses 90% of the total vet bill. However, Major Medical and Pet Wellness reimburse according to a benefits schedule. These schedules cap payouts by condition or service. If you are going with one of these plans we suggest you scrutinize your policy carefully before purchase, as your pet's breed may be susceptible to certain conditions with low coverage limits in the plan. Benefits schedules, and no choice in customizing the reimbursement percentage in the top tier plan, limit the flexibility of Nationwide's offerings.

Benefit Limits - 10 / 10

Both Nationwide models -- Whole Pet with 90% reimbursement, and all other plans with a benefit schedule -- offer unlimited annual maximums. However, you must remember that any plan but Whole Pet is going to limit you by condition or procedure. So even though technically there is no limit to the dollar amount they will spend on your pet in a year in total, there are limits on a condition and service basis with the lower two plans. The only plan that is truly unlimited is the top of the line Whole Pet with Wellness.
Reimbursement Model
Actual Cost
Benefit Schedule
Minimum Percent Reimbursement
90%
Maximum Percent Reimbursement
90%
Benefit Limit Types
Unlimited

Claims, Service, & Deductibles

Claims and Service - 8 / 10

Nationwide's claims procedure is standard for the pet insurance industry. Like other companies, you must first pay the vet directly, download Nationwide's claim form, and submit the form with all paid invoices. You can submit via mail, fax or email.

Deductibles - 10 / 10

Nationwide offers one annual deductible of $250. This is in some ways good because it is so low. But you will not have the flexibility of choosing higher deductibles should you want a lower monthly premium or should it somehow fit your needs in other ways. Most of our top companies offer customizable deductibles.
Advertised Response Time
14 days
Claim Form
Mail
Email
Fax
Deductible Type
Annual
Minimum Deductible Offered
$100
Maximum Deductible Offered
$500

Pricing: How much does Nationwide cost?

Starting Monthly Premiums

Dogs
$34.25
Cats
$18.84
Rate Details: Annual Deductible: $250, Benefits Cap: Annual & Unlimited, Reimbursement Model: Benefits Schedule

Pricing - 6 / 10

Nationwide's plans are comprehensive, but you are going to pay the price. Their monthly premiums are a little on the high end as opposed to our other companies.
Available Discounts: 5% discount on current Nationwide member

Enrollment

Enrollment Age & Waiting Periods

Min Enrollment Age
6 weeks
Max Enrollment Age
10 years
Accident Waiting Period
14 days
Illnesses Waiting Period
14 days
Free Look Period
10 days

Enrollment - 6 / 10

Like our other companies, Nationwide will enroll pets starting at 6 months. Unlike our other companies, Nationwide has a relatively lower age restriction with older pets at 10 years. However, if the pet is enrolled before age 10, and the policy never lapses, they will be covered for the duration of their lives. Waiting periods are industry standard at 14 days, although Wellness starts 24 hours after approval.

Company Profile

Full Name
Nationwide Pet Insurance
Company Website
Headquarters
One Nationwide Plaza, Columbus, OH, 43215
Mailing Address
P.O. Box 2344, Brea, CA, 92822

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1792 Customer Comments & Reviews

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V
Victoria
Charleston, South Carolina
11/7/2017
The new option to submit claims via smart phone is wonderful. Your site is easy to navigate and customer service has always been helpful. The only change I'd like to see is more detail on the insurance payment statement; what was paid on each line item. Otherwise, very satisfied.


Denny D
Lostant, Illinois
11/6/2017
Thank you for all you have done


Kay F
East Haddam, Connecticut
11/6/2017
I’ve had a good experience with VPI. Teddy has had a few issues this last year and, other than with respect to a pre-existing condition, I have received reimbursements in a timely manner. I particularly like the new electronic deposit into my bank account. Overall the coverage for Teddy and my other dog Sammy has been worthwhile.


Ed K
Fort Worth, Texas
11/6/2017
I value the coverage that I selected and the tremendous claims experience that I have had with Nationwide. Ed Krieger


K
Kelsey
Blair, Nebraska
11/6/2017
So far, we have no complaints. We are so glad we got Taos the Whole Pet & Wellness policy, as he just had to have TPLO surgery for his cranial cruciate tear. He is recovering well, but we are sure he will have to have the other one done too. It has taken so much stress off my husband and I knowing that his procedure(s) have been covered, as they aren't cheap! I have told everyone I know that getting Taos health insurance through Nationwide has been one of the smartest things I have ever done as a pet owner!


S
Sandra P
Santa Cruz, California
11/6/2017
Thank you for your OUTSTANDING Customer Service: Easy Claims & Quick reimbursements. Very happy to know you have a medical advice line!


Peggy W
Kent, Washington
11/6/2017
Its amazing that Pets have insurance. I am a new pet owner with 2 kittens and Nationwide had saved me hundreds of dollars. I think every pet owner should have pet insurance. Filing claims are fast and easy and the compensation turnaround also fast.


S
shannon w
Prior Lake, Minnesota
11/4/2017
I would like an app where I can just take a photo of the bill and submit with claim number:)


C
cheryl j
11/4/2017
The individual was very helpful and answered all questions regarding my claims and both my dogs. thank you for the quick service


Lynn T
Herndon, Virginia
11/3/2017
Well over a month ago I called Malia and asked her to mail me an enrollment packet for my other puppy, Baron Trichilo. It still hasn't come.



Our Partner
8.5 / 10
  • First and largest pet insurer in the US
  • Whole Pet & Wellness Plan covers spay/neuter
  • 24/7 vethelpline access
  • Discounts available on home and auto
  • Insurers most birds and exotic pets!
  • $250 annual deductible with Unlimited Claims
  • ​Covers congenital and hereditary conditions