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Nationwide Pet Insurance Review

2,370 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

5.0/5
Coverage
3.0/5
Cost
4.0/5
Extras

Overall Rating: 4.3 / 5 (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 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 besides Whole Pet with Wellness operate on a benefit schedule.

Nationwide Coverage

Coverage - 5 / 5

Nationwide's Whole Pet with Wellness plan is a great option for a complete pet insurance plan.

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 recently released a more inexpensive Whole Pet plan without the wellness component.

This plan has many of the same characteristics of Whole Pet with Wellness, operates on a percentage reimbursement basis, but is subject to different annual caps.

It is interesting to note that 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.
Pets Covered
Dogs
Cats
Birds
Exotic Animals
Coverage Types
Medical
Wellness
Vet Selection
Unrestricted
Out-of-State Coverage
Yes
Commercial Pets Covered

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 Limits - 5 / 5

Both Nationwide models -- Whole Pet with 90% reimbursement, and all other plans with a benefit schedule -- offer unlimited annual maximums. The new Whole Pet plan without wellness, though, is subject to a $10,000 annual cap.

Additionally, you must remember that any plan but the Whole Pets are 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.
Benefit Limit Types
Unlimited

Reimbursement & Deductibles

Reimbursement - 5 / 5

Nationwide's top tier Whole Pet with Wellness, as well as the new Whole Pet (alone) plan, both reimburse 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.
Reimbursement Model
Actual Cost
Benefit Schedule
Minimum Percent Reimbursement
90%
Maximum Percent Reimbursement
90%

Deductibles - 5 / 5

Nationwide Whole Pet with Wellness offers one annual deductible of $100.

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.

The new Whole Pet without the wellness component, as well as the Major Medical plan, both have annual deductibles set at $250.
Deductible Type
Annual
Minimum Deductible Offered
$100
Maximum Deductible Offered
$250

Pricing: How much does Nationwide cost?

Cost - 3 / 5

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.

Starting Monthly Premiums

Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$34.25
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$18.84
Rate Details: Annual Deductible: $250, Benefits Cap: Annual & Unlimited, Reimbursement Model: Benefits Schedule
Available Discounts: 5% discount on current Nationwide member

Enrollment & Waiting Periods

Enrollment - 3 / 5

Like our other companies, Nationwide will enroll pets starting at 6 weeks. 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.
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

Claims & Service

Extras - 4 / 5

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.
Advertised Response Time
14 days
Claim Form
Mail
Email
Fax

Contact & Additional Information

Homepage URL
Headquarters Address
One Nationwide Plaza, Columbus, OH, 43215
Mailing Address
P.O. Box 2344, Brea, CA, 92822
Year Founded
1981

What We’re Hearing From Our Readers
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Customer Comments

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E
Ellen

5/31/2022
This insurance is a rip-off, don't buy it. As noted by other reviews, all illnesses will be ruled as pre-existing conditions no matter when you submit a claim and even if whatever your pet becomes sick with is not listed as a pre-existing condition on your policy. I purchased this as a "discounted" rate benefit promoted by my employer, which is a large company. I'm now hearing similar dissatisfaction from co-workers and we will be urging our employer not to promote Nationwide, I hope others will do the same with their employers.
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ssrucker

1/28/2022
I have the wellness+ injury/illness which covers everything. My experience with Nationwide has been very good. They pay the claims within 30 days. My dog has to have regular teeth cleaning with occasional extractions due to gingivitis and has been covered. I've had the insurance for about 5 years now and they have never denied a claim. They raise their rates every year though and I had to go from a 90% reimbursement to a 70% reimbursement for affordability. And this year I may need to raise my deductible. I chose a $250 deductible with unlimited coverage. The Vet help line has been useful only 2 times in the last 4 years though. But the last time I had to call, I was given good and... Read More
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jose_g_martinez

11/22/2021
I am sharing my experience with Nationwide Pet Insurance so that no one else is deceived. Bella is a dog rescued from the streets of PR. Bella’s case is very sad since her skin was stuck to the bones and she was dying slowly. I sent someone to pick her up and the veterinarian saved her. Once stable, I went to PR to pick her up and brought her to Pennsylvania. I called several insurance companies and decided to go with Nationwide when they informed me that they would cover any condition found on Bella. Once the first claim was submitted, Nationwide began asking for all veterinarians' records (there were only 2!) to the point that an incompetent at Nationwide suggested me to call the... Read More
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lilegypt716

9/7/2021
The Whole Pet Wellness premiums the first 2 years (2017 & 2018) of coverage remained the same. But in 2019 the cost for the exact same policy increased by approximately 56%. That year I switched to the Whole Pet policy. 2020 gave me an increase of about 13% and this year's increase was a whopping 50%. Since I feel Nationwide IS NOT ON MY SIDE, I did not renew the policy and will shop around for a better rate. My dog is only 5 years old and had very minor claims for an ear infection and allergies.
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J
John H

9/3/2021
RE:Vet Help Line Frazier 3051613 First thanks I truly appreciate the help you gave me and for the time you gave me. Your Pleasant reassuring voice was wonderful. Im scared by the diagnosis of Inflammatory Bowl Disease but your positive was infectious and so deeply valued. what would I have done without you. Well I used to go to Fosters and Smith, it was a web site that had info on pet illnesses plus you could also buy pet stuff. It was good but id gave enough info to be scared. It was great but not nearly as good as speaking to a medical pro. Thank you and God Bless . Col Haire
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neelrarocks

7/2/2021
DO NOT DO THIS TO YOURSELF OR YOUR PET. This is the worst rip off of all. They mislead by listing themselves as #1 in the title and trick you to believe it. The write up below about dental is true but it gets so much worse and misleading. Unlike other pet Insuramce companys they always leave space and read a disclosure which protects them from actually covering anything. They have you send in your vet records when you file your first claim for a reason. They pocket your cha ching for months and maybe years before you find out they arent paying! The best thing that could happen ...is they go out of business!
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Kenneth S

6/6/2021
I have had this plan two years now and recently added a second dog. They have always paid out claims quickly and fairly. My first dog required eye surgery due to an injury, Nationwide covered everything, including eight weeks of follow-up treatment and medications, 100% minus our deductible. I even received follow-up emails from Nationwide checking to see her progress. I could not be more happy with my and my pet's experience. KDS
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haleymackenzie

5/16/2021
Took 6 months to reimburse a single claim, they asked endlessly for additional vet records dating back years before reimbursing us, and have increased our monthly payment for all 3 of our dogs without warning or explanation. Very unhappy.
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Colette S

4/19/2021
I just cancelled this insurance. They no longer pay for neutering or umbilical cord hernia's. They consider that elective surgery. I cancelled this insurance for my 9 month old Bernese Mountain dog. I just found out that I had to pay $690.32 for his surgery. WHAT A JOKE!!!!!
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B
Barry

4/8/2021
They saved my dogs life through Vethelpline! Found dog had tape worms and vet had misdiagnosed this. Thank you Nationwide
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  • No enrollment or administrative fees
  • Accidents, illnesses & emergency care
  • Most claims are processed within 2 days
  • Flexible premium & deductible options