Nationwide Pet Insurance Review

Rating: 8.5 / 10 (Excellent)
2,220 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 - 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.
Pets Covered
Exotic Animals
Coverage Types
Vet Selection
Out of State Coverage
Commercial Pets Covered

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 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.
Benefit Limit Types

Reimbursement & Deductibles

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.
Reimbursement Model
Actual Cost
Benefit Schedule
Minimum Percent Reimbursement
Maximum Percent Reimbursement

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.
Deductible Type
Minimum Deductible Offered
Maximum Deductible Offered

Pricing: How much does Nationwide cost?

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.

Starting Monthly Premiums

Rate Details: Annual Deductible: $250, Benefits Cap: Annual & Unlimited, Reimbursement Model: Benefits Schedule
Available Discounts: 5% discount on current Nationwide member

Enrollment & Waiting Periouds

Enrollment - 6 / 10

Like our other companies, Nationwide will enroll pets starting at 6 weeks. 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.
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

Claims & Service

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.
Advertised Response Time
14 days
Claim Form

Contact & Additional Information

Homepage URL
Headquarters Address
One Nationwide Plaza, Columbus, OH, 43215
Mailing Address
P.O. Box 2344, Brea, CA, 92822
Year Founded

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2220 Customer Comments & Reviews

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Kristina F
Charlotte, North Carolina

I recently purchased Nationwide Insurance after my dog had to have emergency stomach surgery. I knew they would not help with any preexisting injuries when I purchased the insurance. I was encouraged by my vet, friends, and family to get insurance in case of any more emergency medical expenses. Unfortunately my dog developed severe allergies soon after I got Pet Insurance. My poor pup was miserable. I was going to pay for whatever I needed to whether it was going to be covered or not. Nationwide was completely understanding and to my surprise covered the expenses after I met the deductible. They were responsive, communicative, and very helpful. I am extremely impressed with... Read More

Shari W
Missouri City, Texas

Y'all have been phenomenal with both of our pets! They have both come close to death and you helped us immensely with the medical costs. Thank you so much!

Rolando G
Houston, Texas

Nationwide Pet Insurance has been amazing. I have gladly recommended it to fellow pet owners!

Raleigh, North Carolina

Having pet insurance from Nationwide has been so great! Because they're a big company, they are capable of covering a wide variety of ailments that my sweet dog has had to endure. I believe that most people would quickly shy away from getting certain medical procedures done simply because of the cost, but when you have pet insurance, people are more likely to have their furry family member get the treatment he/she may need. It is because my doggie has had her treatments that she is able to live a fuller life.

Kathy R
Lutherville, Maryland

Your pet insurance is a good sent . As having a puppy can get pretty expensive . But thanks to Nationwide pet insurance I've been able to keep up with everything our Maggie needs from shots, medications, surgery.ect . Your invoicing is so easy to do and you get my claims taken care of within weeks . I would highly recommend your company to all pet lovers as myself to definitely get their pet insured through you . Thanks again for making health insurance for my Maggie so easy

joseph h
Greensboro, North Carolina

My experience with Nationwide Pet Insurance has been excellent! Claims have been handled and paid very quickly.

Buffalo, New York

Thank you for inquiring about how Nikki is doing after her last visit to the Vet. She is doing well and back to her "Naughty Nikki" (as the people at Swan Creek Vet call her) self. It is a relief to know that we have Nationwide Pet Insurance. I cannot express how easy it has been to file claims and receive reimbursement for the covered expenses. Nikki is our third dog and in the past we did not buy health Insurance. Needless to say, we learned our lesson since both of our Cocker Spaniels had significant health issues. We are also hopeful that changing breeds to a Yorki-Poo will be a good move healthwise.

Fretzie V
Watertown, Massachusetts

My Shiro was having stomach problem for days. We brought him to the ER. It was scary coz vet bills are very expensive. We felt comfortable spending the money for the treatment coz we are covered. The claim process is very easy and quick! Thank you!

Andrea N
New York, New York

I love nationwide. My last invoice was the highest I have ever turned in and nationwide paodb100%. I was shocked and so happy!

Anne G
Sarasota, Florida

You've been great to work with in taking care of our dog-no problems at all! The only issue I have is I wish there was coverage for "Well" dog check ups. (Yearly) 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