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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Dawn B
, Idaho
Simon is doing better. Along with his medicines he is on many supplements which seem to help with inflammation. That and exercise helps along with the homemade dog food I make for him to keep his kidneys going. I have had Simon on pet insurance since i first got him at 3 months old and he is now 13 years and 4 months old and still on insurance. It gives me the feeling I am able to give Simon the best. Thank you for insuring my pet dog, Simon who is not really a dog; here he is family.

David M
Irving, Texas
Fast with the claim and refund. Thanks!

Brad R
, Massachusetts
Great dog Insurance that allows the ease of prefilled claim forms that can be submitted quickly and the claim paid out quickly. Its never a good thing when our pet is sick, but its nice to know that Nationwide can help us out with expenses and get our dog the care she needs. Thank you!

Stella D
Atlanta, Georgia
They processed the claim very quickly and I love the new deposit right to your bank that's fantastic and a lot quicker Thank you for everything job well done

Elissa B
Hollywood, Florida
Nationwide Per Insurance is the best! So easy to deal with caring professionals! Love how the always check on my pet's health!!!!

Clayton, North Carolina
I can't say enough good things about Nationwide Pet Insurance. I have refereed your information to several friends that both complain about cost when they DO take their pets to the vets or just Don't take them because of the cost. I am so glad that I never have to make that choice and can put my pets health first! Our pets are service dogs for my wife who has severe Multiple Sclerosis and have cost thousands and your insurance protects that investment, thanks! Please feel free to post my review!

Deborah S
Leland, North Carolina
I have had Pet Insurance since we adopted Lucy nearly 14 years ago and it's been worth every penny. I had a $100 deductible on this visit, but most everything is usually covered 100%. She now is suffering from Arthritis and a whole host of "old dog" issues, but we're keeping her paid free and happy until the end. She is my "Girl" and having Pet Insurance has helped us provide her with the very best care possible. Thank you.

Aaron G
Minneapolis, Minnesota
My experience was good and the descriptions of benefits form I received after submitting my claims was pretty clear. Submitting the claim was easy since I work near a fax machine, although an online submission method would be awesome. I did sign up for the electronic payments so hopefully my next claim utilizes that instead of having a check mailed to me. My only other input is that I think it's a little odd that taxes aren't covered but that isn't a big deal.

Luka A
, Georgia
Nationwide offers incredible service to both of our furry children. They respond quickly and compensate fairly. Their rates are reasonable and they have saved us thousands in medical costs. I trust Nationwide to help us with our pets' medical needs and I have recommended Nationwide to all of my fellow pet-owners. In fact, I think pet insurance is a must for any owner, and I am happy to say I can easily recommend Nationwide. I do not generally form strong attachments to corporations, but Nationwide has blown me away with their service in pet insurance. Well done.

Bill E
, Illinois
Easy claim filing, fast payment

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