Nationwide Pet Insurance Review

Rating: 8.5 / 10 (Excellent)
1,364 Customer Reviews - see all reviews
Disclosure: We receive advertising revenue from this partner. Learn more.
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?


Benefit Limits
Claims and Service

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
Exotic Animals
Coverage Types
Vet Selection
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
Maximum Percent Reimbursement
Benefit Limit Types

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
Deductible Type
Minimum Deductible Offered
Maximum Deductible Offered

Pricing: How much does Nationwide cost?

Starting Monthly Premiums

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 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
One Nationwide Plaza, Columbus, OH, 43215
Mailing Address
P.O. Box 2344, Brea, CA, 92822

Our Partner
8.5 / 10
  • First and largest pet insurer in the US
  • Whole Pet & Wellness Plan covers spay/neuter
  • Free 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

Latest Nationwide Reviews

Based on 1,364 Reviews from Nationwide customers
Loading Reviews ...
Kim W
Ronkonkoma, New York

My cat, Bailey, ended up needing surgery to remove stones. An expense I was not expecting at all. I filed a claim with Nationwide not knowing what to expect as it was my first time ever having to do this. The claim form was so super easy to fill out and submit! I received an emailed acknowledgment within 2 days that they had received my claim, and within two weeks the payment was direct deposited into my checking account! No hassle, no fuss!!! I was surprised at how seamless Nationwide made this who experience and I am an extremely satisfied customer! I even told my best friend about it and she immediately checked them out and got insurance on her pets too, along with a girl I work with... Read More

Marlene A
Coopersburg, Pennsylvania

I have had this pet insurance with all of my pets for many many years. The service is wonderful and I would highly recommend it to any pet owner.

Cecilia S
Norwalk, California

I was very glad that I got this insurance for my pets at the most opportune time. My cat, Mo got an injury to his eyelid which cost us $850.++. I was resigned to the expense because we love our pets. Then I remembered I had this pet insurance. I have never had pet insurance before, until my employer offered this salary deduction insurance. I was dreading having to file a claim because of reviews I have read from before. However, to my surprise and delight, Nationwide made it sooo easy to file a claim with online submission and payment. It was done in less than a month with the money sent to my bank. Of course I was not reimbursed the whole amount, but it certainly helped. Thanks... Read More

David B
El Cajon, California

Coverage was every thing I expected. Reimbursement was timely. Entire experience was A +.

Susan S
Henderson, Nevada

Submitting our claim to nationwide was uncomplicted and quick . We had a response immediately to say it was being processed and a check within two weeks . At a stressful time like this with our dog Spike it gave us one less thing to worry about .

Ghislaine T
Palm Coast, Florida

We adopted two Fox Terrier brothers in 2008, Oliver and Jasper. They are a great joy in our lives. We decided to obtain medical coverage for them at an early age and although the monthly premiums are somewhat of a financial burden, it has been a blessing. They both are in relatively good health, although they have had their fair share of issues over the years. We began with VPI and now with Nationwide for the past few years. We are very happy with the services. Nationwide has been very professional and equally important very caring. We take very good care of our pups, but on occasion they had some serious health issues and it was a comfort to know that we could rely on Nationwide to be on... Read More

Portland, Maine

We decided to look for pet insurance because our vet gave us an estimate of $600 to have Sadie's teeth cleaned. This seemed extreme to us, but evidently there is a lot involved in little dog teeth cleaning. We were told by Nationwide that they will cover blood tests, X-rays, anesthesia and extractions. We never thought extractions would be necessary, but when we took our little Sadie for her teeth cleaning, she had 13 extractions! Our bill was over $1600! What a shock! Our vet submitted our claim electronically and within 3 weeks we had a check from Nationwide for more than $1400. We are now convinced it is a good idea to have pet insurance.

Margie S
La Crosse, Wisconsin

We have spent thousands of dollars purchasing a special puppy to be trained as a therapy /comfort dog. As much time as I spent finding a breeder that specializes in "imprinting puppies" for this service, I wanted an equally comprehensive insurance company to follow us in this journey. I needed a company that wouldn't fight with every claim, a company that was timely with their reimbursements and a support system I could call if there was a problem. I also wanted a company that would serve us WHERE EVER we traveled with ANY board certified veterinarian. I bought the best policy Nationwide could offer. Am I pleased? You betcha! Will I renew my second year policy? Yes, and I did! My dog... Read More

Susan S
Glenwood Springs, Colorado

I just feel it's unfair that I pay so much and it increases every year- Ella is a 5 yr old Golden and pay almost $55 a month - not sure it's worth it

Paula T
Roswell, Georgia

Nationwide DID NOT Help with the cost of Riley's SURGERY!!!!

Start your review for
Nationwide Pet Insurance