Nationwide Pet Insurance Review


Rating: 8.5 / 10 (Excellent)
2,220 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 - 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.
Pets Covered
Dogs
Cats
Birds
Exotic Animals
Coverage Types
Medical
Wellness
Vet Selection
Unrestricted
Out of State Coverage
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 - 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.
Benefit Limit Types
Unlimited

Reimbursement & Deductibles

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.
Reimbursement Model
Actual Cost
Benefit Schedule
Minimum Percent Reimbursement
90%
Maximum Percent Reimbursement
90%

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.
Deductible Type
Annual
Minimum Deductible Offered
$100
Maximum Deductible Offered
$500

Pricing: How much does Nationwide cost?

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.

Starting Monthly Premiums

Dogs
$34.25
Cats
$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 Periouds

Enrollment - 6 / 10

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

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.
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

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2220 Customer Comments & Reviews

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Linda T
Worcester, Massachusetts

1/17/2018
We have had this insurance for our Yorkshire Terrier, Nina, for nearly a year now, and love it! We have the complete wellness plan, and have not had any problems with it We would (and do) recommend Nationwide Pet Insurance


R
ronald n
Boca Raton, Florida

1/17/2018
I appreciate all the financial help ,nationwide has provided


Bryan E
San Jose, California

1/17/2018
There is not enough space to tell how much I love Nationwide Pet Insurance. Everyone that I have interacted with feels like family. Very caring, professional and always helping. Guess the biggest compliment I can off is when any asks about Pet Insurance I’ll offer NPI up quickly as the best. I like when that tell me about fast payments. I ask do they do prevention check ups? Pay for heartwormes and flea meds too? I’ve helped switch a few people!


Kim Y
San Jose, California

1/17/2018
Fast and very helpful and caring, I love having Nationwide Pet Insurance for my dog.


J
jack g
Vienna, Virginia

1/17/2018
You folks are so easy to work with and so thoughtful. I really appreciate your service and assistance. Thanks for your role in my pet's care.


Sherri M
Tampa, Florida

1/17/2018
I strongly recommend pet insurance especially for people with puppies. They have a knack for getting into everything no matter how well you try to protect them. Nationwide has by far been the best company to do business with. The claims are easy to file and they handle them quickly. I am here to stay!


H
Heidi C
Indianapolis, Indiana

1/17/2018
Thank you for the nice note regarding Sampson. He is doing much better. I love my animals, they are my children. And without Nationwide, I wouldn't have that comfort zone in knowing I can do all that is necessary for them.


Carmen K
Huntington Park, California

1/16/2018
Very happy with Nationwide! The service I have received is awesome. Fast turnaround on my claims. Best decision I made was signing up my puppy with Nationwide.


S
Sandra C
Miami, Florida

1/15/2018
The service is amazing


Tina H
Apex, North Carolina

1/15/2018
Love that your company is so easy to do business with!



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