Nationwide Pet Insurance Review

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.

Rating: 8.4 / 10 (Excellent)
445 Customer Reviews - see all reviews
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How is Nationwide rated?


Benefit Limits
Reimbursement Models
Claims and Service

Overall Rating: 8.4 / 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.

Company Profile

Full Name
Nationwide Pet Insurance
Year Founded
National Casualty Co.
Standard & Poor's Financial Rating Financial Rating
AM Best Financial Rating
One Nationwide Plaza, Columbus, OH, 43215
Mailing Address
P.O. Box 2344, Brea, CA, 92822

Nationwide Pet Insurance Coverage

Coverage Specifics

Pets Covered
Exotic Animals
Coverage Types
Vet Selection
Out of State Coverage
Commercial Pets Covered

Coverage Rating - 10.0 / 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

Benefit Limits


Benefit Limit Types
Per Incident

Benefit Limits Rating - 10.0 / 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.


Key Facts

Deductible Type
Minimum Deductible Offered
Maximum Deductible Offered

Deductibles Rating - 10.0 / 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.


Key Facts

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

Reimbursement Models Rating - 10.0 / 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.

Claims & Service

Key Considerations

Advertised Response Time
14 days
Claim Form

Claims and Service Rating - 8.0 / 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.

Pricing: How much does Nationwide Pet Insurance cost?

Starting Monthly Premiums

Rate Details: Annual Deductible: $250, Benefits Cap: Annual & Unlimited, Reimbursement Model: Benefits Schedule

Pricing Rating - 8.0 / 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 Rating - 3.0 / 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.
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Latest Reviews

Based on customer reviews
445 Reviews
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Highland, New York
I couldn't be happier knowing that I didn't have to hesitate when the vet came in with the estimate for Belle's care! Knowing that she could recover and participating in your plan made all the difference to both of us! Thanks so much!

Minneapolis, Minnesota
Claims process is quick and efficient. We've never had any problems.

Melissa B
Boston, Massachusetts
Coverage is excellent. Payment was fast. I just wish you had a more automated process for submitting claims. An app where you could take a picture of a receipt and upload. Currently, I print out a form, fill it in, scan it and then fax it. Not a digital experience!

Mark A
Palos Heights, Illinois
I have never purchased pet insurance in the past. It was highly recommended my his doctor. Nationwide did a great job explaining all of the benefits of the various plans. I had a very costly visit last month. Nationwide did exactly what they said they would do and paid the claim. I highly recommend pet insurance and more so HIGHLY recommend Nationwide! Thank you Nationwide! Your friend, Wrigley. :)

Bruce B
Morristown, New Jersey
The plan I chose covers a lot. So my rating is based on the service experience I have received. The ability to email my claim and get confirmation that it was received is fantastic. I then receive another email saying when my claim has been finalized. A very streamlined service and I absolutely love it!

Anne M
Orlando, Florida
Not happy with the way you disqualify illnesses..... When one thing happens, the next time I go to renew, it's now disqualified! I pay way too much for this to have you do that for something that only happened once!!

Melanie S
Denver, Colorado
We've had the best experience with our pet insurance for four years. Our Zoe is a golden lab mix with a ton of energy and gung-ho spirit. She's had a couple of major incidents in her life, where she's needed emergency care that was covered by her insurance. It felt good to not worry about costs and simply take care of our girl. We never know when she's going to do something that will get her hurt, and we don't want to stop her from being the wild spirit that she is. Having pet insurance gives us peace of mind that if we do have an emergency, we have Nationwide to help.

Cuyahoga Falls, Ohio
Izzy has struggled on and off with what we now know is her allergies and it is under control. We are so thankful for Nationwide helping cover costs through insurance! I have recommended Nationwide to everyone I know with furry family. Their claims process is so simple, and quick! All of my interactions with their staff has been incredible as well!

Highland Lakes, New Jersey
I have to say I am extremely happy with Nationwide Pet Insurance. I have a very active Australian Shepherd that just plays hard... so he gets hurt playing hard sometimes! Vet costs are so high that without this policy, this dog would have me in a debt! Thank you for always being there, for making the process so simple and for sending the checks so quickly! I am so happy with your company that I am always referring you to new pet owners!

When our nearly one year old Belgian Malinois Brandy started vomiting, having diarrhea and getting dehydrated, the last thing we wanted to worry about was hospitalization or medical bills. After IVs, and an overnight vet hospital stay and $800 later she was home recuperating back to her usual puppy self. When I submitted the claim I was very surprised that I had received reimbursement within two weeks, eliminating all the financially worries I had.

Start your review for Nationwide Pet Insurance