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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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Dianna E
Chandler, Arizona
She is feeling better and you guys are totally awesome! I tell everyone I see with a pet about how wonderful you are. You take the worry out of having a pet that needs care!!!!!!! Thank you so much!

Claudia l
Fort Lauderdale, Florida
I am so glad I had your insurance- we would have been devistated if it wasn't for your insurance and prompt reimbursement I don't know what we would have done. Marty is back to his old self - thank u

Chicago, Illinois
My beagle, Zoe, is a maniac. And as a result, has now had ACL surgery (or the doggy version of it) TWICE—once on each hind leg in back-to-back years. Oye... Going through the surgery, the recovery, and the rehabilitation is a lot of work—more than I can really express. Add on the fact that this surgery costs thousands of dollars, and it quickly becomes an overwhelming prospect. Thankfully, Zoe (as well as her siblings) has Nationwide Pet Insurance. Nationwide covered BOTH of her ACL surgeries and follow-up visits, providing complete stress relief of the financial obligations needed to help keep her healthy and happy. I tell everyone how great Nationwide is because it really, really is an... Read More

Rodrigo I
Fremont, California
Our coverage (which includes wellness) from Nationwide Pet Insurance has been very good to excellent. We rated it at 4-1/2 stars because of one issue which was eventually found in our favor. Other than that, it should have been 5 stars. Taz was given a clean bill of health by our vet (place where I was introduced to NPI, we used to be insured with Healthy Paws) when we enrolled him in NPI. We even had a vet visit after we got the email confirming Taz is now fully fully enrolled (September) and "we can take off the bubble wrap". After a couple of months (December), he developed a bump on his left side, which our vet said was nothing serious and if we considering getting him neutered, we... Read More

Liliya M
Wilmington, Delaware
I believe we have the best pet insurance ever! I have three pets enrolled and must say it has been an amazing experience with Nationwide. the coverage is great and always on time! Thank you!

Cherie M
Murfreesboro, Tennessee
The insurance is helpful but it took 2 phone calls to get the claim filed properly on Nationwide side. I have 2 pets that I took in for shots and exams at the same time. (Why get hairy twice? Right?) Paperwork was filed properly with pets names on invoices and proper cover sheets but the processor logged as duplicate and deleted the claim. Frustrating that I had to pull the paperwork scans and note this for the customer service rep.

Cedar Rapids, Iowa
Thanks so much for asking about Josie. She is doing very well now. We are so thankful we have insurance coverage on her. She has had several health issues over the past 7 years and I'm not sure what we would have done without the insurance. Nationwide has been great to work with! The reps always ask how Josie is doing and they really listen to what you have to say. You can tell they are genuine animal lovers! Pretty fast claims processing and awesome customer service! If you happen to have a question that the rep isn't able to answer, they find someone who can and call you back. Keep up the great work, Nationwide!

James R
Sarasota, Florida
Can't say enough!

Lisa B
New Castle, Pennsylvania
I have been very pleased with the insurance policy with the exception when he was hopsitalized in December of 2016 the policy didn't pay for all of the hospital stay! He was very critical and it was touch and go everyday! Thanks to the awesome vets at PVSEC that saved him but not to the insurance for not paying what I owe or even half of what I owe! Therefore I have acrewed debt because of that! What bothers me the most is that I have carried this insurance on him since he was born and when I needed it the most it didn't help! Thank you in advance for your concern. Lisa Beighley

Carol W
, California
Love Nationwide pet insurance. It's helpful when you have an ailing pup and know you don't have to hesitate! Thank you

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