Nationwide Pet Insurance Review

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.

Rating: 8.4 / 10 (Excellent)
445 Customer Reviews - see all reviews
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How is Nationwide rated?


Benefit Limits
Reimbursement Models
Claims and Service

Overall Rating: 8.4 / 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.

Company Profile

Full Name
Nationwide Pet Insurance
Year Founded
National Casualty Co.
Standard & Poor's Financial Rating Financial Rating
AM Best Financial Rating
One Nationwide Plaza, Columbus, OH, 43215
Mailing Address
P.O. Box 2344, Brea, CA, 92822

Nationwide Pet Insurance Coverage

Coverage Specifics

Pets Covered
Exotic Animals
Coverage Types
Vet Selection
Out of State Coverage
Commercial Pets Covered

Coverage Rating - 10.0 / 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

Benefit Limits


Benefit Limit Types
Per Incident

Benefit Limits Rating - 10.0 / 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.


Key Facts

Deductible Type
Minimum Deductible Offered
Maximum Deductible Offered

Deductibles Rating - 10.0 / 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.


Key Facts

Reimbursement Model
Actual Cost
Benefit Schedule
Minimum Percent Reimbursement
Maximum Percent Reimbursement

Reimbursement Models Rating - 10.0 / 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.

Claims & Service

Key Considerations

Advertised Response Time
14 days
Claim Form

Claims and Service Rating - 8.0 / 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.

Pricing: How much does Nationwide Pet Insurance cost?

Starting Monthly Premiums

Rate Details: Annual Deductible: $250, Benefits Cap: Annual & Unlimited, Reimbursement Model: Benefits Schedule

Pricing Rating - 8.0 / 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 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 Rating - 3.0 / 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.
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Latest Reviews

Based on customer reviews
445 Reviews
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Margery E
Mill Valley, California
I am very happy with the new Nationwide Whole Pet with Wellness plan. I was hesitant to spend the money, but delighted that I had bought the insurance after I had to spend $3,500 for a bronchoscopy for my rescue. Turns out, he had three antibiotic resistant bacterial infections in his lungs. He could have died if I hadn't been able to do the right tests and give him the appropriate medications. Today, he's healthy and happy and the infections are gone. I still hesitated to spend the money when his policy came up for renewal, but I knew it was the right thing to do, cause anything is possible. Plus, Nationwide's Advise Nurse is something that none of the other pet insurance companies... Read More

Kevin P
Coventry, Rhode Island
We can't say enough good things about Nationwide and how Ted, our Lab, is helped by his coverage. He has lots of skin allergies, including hot spots from swimming in our lake. Can't keep him out. Contact dermatitis in Summer from grass. List goes on. Nationwide has never once reduced or questioned the vet's bills, including his monthly Apoquel Rx. Five stars from me!

William A
Middletown, New York
Very pleased with this company. I have the major medical plan that covers only large scale injuries etc. My lab tore her ACL. They covered almost the entire surgery procedure (about 4,000.00 including xrays etc.). I only pay about 35 dollars a month. This was a good decision and a bargain as far as I am concerned.

Jacqueline G
Bellingham, Massachusetts
I just love the service that you provide to my two Boys. The response time is awesome and very quick. The only thing I wished you offered was direct deposit to the checking account on file to save time and paper. We are suppose to become a paperless society. That's an option your company should offer for people like me who just do not have the time to go to the bank to deposit checks. Thank you! Jacqueline Gelpi

Brentwood, New York
I wish my medical insurance is processed as quickly and efficiently as the claims sent to Nation Wide!! I'm so thrilled with the service that I'm constantly referring folks at the dog park. I'm notified when they receive my claim and shortly after the reimbursement is in the mail. I'm a very happy customer :) Anita F. CT

Dr. I
, New Jersey
My goldendoodle was diagnosed with colitis at a young age which led to expensive vet bills. In addition, he was put on a prescription diet in order to prevent exacerbations. I am very impressed with how quickly Nationwide has reimbursed me for the expenses.

joyce f
Walkersville, Maryland
I am so grateful for Nationwide Pet Insurance, my puppy got into something that made her sick. It was a relief to have the insurance to get care for her without having to worry about the cost. Nationwide takes care of the claim quickly and I get my check in the mail in a short period of time. Allowing me to pay off my credit card for the cost of the vet. thank you Nationwide for the peace of mind. Puppies!!!

Maria M
Filing a claim is so very easy. I get a quick response email keeping me up to date in the processing of any claim. The coverage I get back has been more than I even anticipated. And the turn around is very quick. Very professional and I love knowing that Loki is being taken care off. Thank you and I would recommend nationwide to anyone with a pet.

Adel M
I absolutely LOVE this Pet Insurance company. I have extensive experience in "people" insurance, payment, issues, etc. The employees at this company exhibit excellent customer service, all of them I have had the pleasure of speaking with. They pay claims more expediently than most "people" insurance plans. You must do your part too - send in an itemized bill AND a copy of the vets documentation of the pets visit. Easy to do! I use an internet fax service. If your pet has pre-existing health issues, don't expect visits for those to be paid until the waiting period is over. Use their Help Line!! You can talk with a vet any time, nights & weekends too. You will feel relieved to know... Read More

, Illinois
Incredible service and coverage! We couldn't have asked for more!

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