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Nationwide Pet Insurance Review

Rating: 8.5 / 10 (Excellent)
1,789 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?


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

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1789 Customer Comments & Reviews

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Jerrold S
Pleasantville, New Jersey
The major complaint I have with Nationwide Pet Insurance is that your benefit limits are archaic. The cost of Veterinary care has risen over the years and your benefit limits have stayed the same. You need to restructure them for the increases in care and procedures. I understand that your new plan is superior to mine, but you will not allow me to switch because of his pre-existing conditions. My dog Sammy has to be rechecked every visit for the same disease and he will have to be on seizure medication for his lifetime and they are not cheap.I have been a member of your plans for close to 30 years and nothing has changed. Also, there should be a way instead of receiving a check 10 to 14... Read More

Michael S
Houston, Texas
Customer service and sales reps are always very helpful. Claim responses are clear. And really love the new direct deposit / electronic funds transfer reimbursement option.

Jaime F
Kissimmee, Florida
Fast claim answers and payment Excellent. Highly recommended

Athens, Georgia
I am so pleased with Nationwide Pet Insurance! We had another brand of insurance with our previous pet and was not happy with the coverage when she became ill. Our vet recommended Nationwide for our new puppy. We are so glad we decided to get the coverage. Our plan includes wellness visits and makes us want to keep up with Pearl's check ups. They process our claims in a timely manner. We have also used the Vet Help Line when our puppy swallowed a pill that my husband takes! They answered our questions and have followed up to check on our puppy. I recommend this insurance to everyone who has a pet!

San Jose, California
Our 2 yr. old rescue puppy got a large gash in her side while running at a friends farm. It was heartbreaking as she was in shock and it was very late at night before we could get her to the pet hospital. I have to say having Nationwide Insurance helped to alleviate the financial pain of the situation. Nationwide was very responsive and as soon as they had the itemized bill from the vet, they issued a check! They have checked in on her periodically and we are so pleased with their customer service. After excellent care from the pet emergency hospital and financial help from Nationwide, our dog is fine now and running around like nothing happened!

Melanie S
Hamilton, Massachusetts
Thank you for checking on Harley he is doing better one ear cleared the other almost clear. We had no idea he had infections at all there was never a sign from him no scratching or rubbing of the ears at all, just a happy puppy till we went to the one year check up i felt terrible. He has an upcoming appointment to recheck and make sure the right ear is clear.

Andrea P
Waterbury, Vermont
I am very happy with the experience of Nationwide Insurance. There are no hassles or problems when submitting a bill and receiving a check😊

Saviour P
Brooklyn, New York
I am so glad that I chose nationwide pet insurance they made it easy for me to make the right decisions for my best friend zefier my dog they paid in full the doctors bills in the shortest time and no ifs or buts . I recommend them to everyone I know. Thank you nationwide. Regards Sam Portelli.

Marilyn R
Sparks, Nevada
I was very happy and a bit surprised when I received the check for Mickey's vet appointment recently. And I am also very, very elated that during the three months we spend in Mazatlan, Mexico, he will be covered. Thank you Nationwide. Marilyn Rodriguez

Nancy s
New York, New York
I have had only good experiences with VPI

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