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Nationwide Pet Insurance Review

Rating: 8.5 / 10 (Excellent)
1,778 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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1778 Customer Comments & Reviews

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Cheryl W
Ormond Beach, Florida
Very disappointed in this insurance plan. Bought VIP insurance 14 years ago. Used it very little, but they always limited what was covered. When I needed the insurance, one day short of 14 years, my dog was diagnosed with collapsed trachea, which is not covered---No surprise, what a total rip off. Yes, when I bought the insurance this was about my only choice. Now that I have bills over 10 thousand, they only paid 74 dollars for her death benefit. I was paying over $84 per month for her insurance---they had no problem hiking up their rates as the dog got older but having the upper hand in limiting what they covered. I had better luck buying a car from a used salesman. Save your money,... Read More

Susan L
San Clemente, California
August 26, 2016 I am a responsible pet owner and a loyal customer who has had pet insurance through VPI which is now Nationwide for over ten years. I have been fortunate to have a healthy dog, so I have not had to make many claims for my other dog. I recently bought a new purebred AKC registered Shiba Inu puppy. The day I brought my puppy home on June 17, 2016, at eight weeks old, I set up a new policy with Nationwide since I know how expensive a new puppy can be. I was informed by the Nationwide representative I spoke with that I had a $250 deductible, and after that I would receive 90% reimbursement for any vet visits after my deductible was met. I have taken my puppy to the... Read More

ebony l
Columbus, Ohio
I recently changed to the new plans and was convinced that I would be reimbursed 90% of my bill only to find out the deductible was increased to $250 per pet, so we spent $400 for both pets so we got a big fat goose egg!!! Just cancelled my plan. I wish I would have known about the increase in deductible with the new policy.

Kym D
Lancaster, California
I like the 90%. But only buy if you get a brand new puppy with a completly clear 8 wk exam. They get records and even wax in the ears will end up being declined ear problems later Other issue IS HUGE INCREASES in.policy price each YEAR. HUGE. I now have to change my deductible to $1000 deductible to afford my premium. What ised to be $45 a month would be $68 a month just a few years later. But once you start having any health issues you are stuck because all insurance wont cover pre existing.

Riddle c
Denver, Colorado
This insurance company does not guarantee coverage. These people bait and switch. The supervisor would not answer my question when I asked if they would pay for this coverages

Orlando, Florida
My Nationwide premium comes up for renewal in November, so I thought I might start looking for a new pet insurance policy. I recently submitted my yearly health and wellness bills for the year for which there is NO DEDUCTIBLE (they claim). My dog is just a year old, so these fees include regular vaccines plus Flea, Tick and Heartworm prevention. I sent this claim in last month, and I decided that their response would be the deciding factor. Well, they failed. I paid my annual premium (MajMed $412. plus Wellness $243.) My yearly preventative vet bills I submitted equaled $295. Every cent should have been covered, according to the plan, yet I received a check one month later for $134.00.... Read More

Brooklyn, New York
CON ARTISTS plain and simple. These snakes fabricate reasons to deny coverage. The only recourse is to sue in local small claims court and force them to arbitrate. Or better yet, avoid them entirely.

Shannon C
Reading, Massachusetts
I have been with VPI (now Nationwide) for 13 years. I have always been extremely happy with thier services, until now. Not only did my beloved pet pass away, but Nationwide Pet then dragged this claim out for almost 4 months after. After repeated calls to the customer service department, I continually got “it’s in process”, nothing more. Nor did any of the customer service representatives offer to cancel my policy and reimburse me, after knowing full well my pet had passed. It wasn’t until my final email on 5/27/16 that the company offered to cancel the policy and then reimburse me, retroactive. Duncan’s passing was extremely difficult for me and for this claim to be “in process” for that... Read More

Susan W
Chelsea, Alabama
I just got off the phone with a nationwide representative again and was told "your claim is now waiting to be re-opened". Problem: this is exactly what I was told 5 business days ago. Problem: We have been waiting since June 20 and it is July 26th today with no reimbursement. We initially did not have enough documentation sent with our claim. They told us that over the computer within 2 days of receiving our claim. The next day, they had our completed documentation via fax. Since then we have been told "it is in review", next week "it is in review". Next week, same, and last week we were told " it should only be a few days because it only now needs re-opened". This week: Oh, I... Read More

Amanda s
Phoenixville, Pennsylvania
Nationwide Pet insurance is amazing! Iconically, I was working at Petplan pet insurance when I found out about Nationwide's Whole Pet With Wellness. I'm happy I did my research because nothing beats their coverage! Plus the claim process couldn't be more speedy!

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