Nationwide Pet Insurance Review


Rating: 8.5 / 10 (Excellent)
2,224 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?

Breakdown

10/10
Coverage
10/10
Benefit Limits
10/10
Deductibles
10/10
Reimbursement
8/10
Claims and Service
6/10
Pricing
6/10
Enrollment

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
Dogs
Cats
Birds
Exotic Animals
Coverage Types
Medical
Wellness
Vet Selection
Unrestricted
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
Unlimited

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
90%
Maximum Percent Reimbursement
90%

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
Annual
Minimum Deductible Offered
$100
Maximum Deductible Offered
$500

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

Dogs
$34.25
Cats
$18.84
Rate Details: Annual Deductible: $250, Benefits Cap: Annual & Unlimited, Reimbursement Model: Benefits Schedule
Available Discounts: 5% discount on current Nationwide member

Enrollment & Waiting Periods

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
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Claim Form
Mail
Email
Fax

Contact & Additional Information

Homepage URL
Headquarters Address
One Nationwide Plaza, Columbus, OH, 43215
Mailing Address
P.O. Box 2344, Brea, CA, 92822
Year Founded
1981

What We’re Hearing From Our Readers
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Customer Comments

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M
Martin O
Walpole, Massachusetts

2/7/2018
Getting insurance for Zoe from you folks was the best thing ever. Filing a claim couldn't be easier. Thankyou. Gives us such piece mind.
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K
knowles@alumni.umass.edu
Longmeadow, Massachusetts

2/7/2018
My dog Simon Tucker has been quite ill for about a year. He seems to be on the mend now, but we have had many vet visits including 4 trips to Tufts veterinary hospital. For about 9 years he basically didn’t need insurance but thank goodness he had it because this year would have been financially very hard without his Nationwide Insurance. It has basically covered all his expenses.
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A
Amy N
Newark, New Jersey

2/7/2018
Excellent service!
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C
cheryl j
Silver Spring, Maryland

2/7/2018
Quick turn around of payments. Very helpful with explaining benefits and payment of benefits.
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W
William S
Trenton, New Jersey

2/7/2018
Really enjoy VPI nationwide The only thing I would recommend improving is automatic payments for claims is a little difficult to set up using a third-party payers through Chase Morgan
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L
Lauren
Farmington, Michigan

2/7/2018
Had to take my 9mo. Labrador to the emergency vet because she was acting very strange and she was mildly shaking. The vet ruled it a toxin ingestion and they kept her overnight on fluids. I submitted my claim the next day, and in just 2 weeks I was reimbursed 100% (minus my deductible) for the entire vet bill!! I could not be happier with the service received from Nationwide Pet Insurance!
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E
Eduardo A
Newton Center, Massachusetts

2/7/2018
Nationwide could not be more seamless or responsive. Beyond impressed and satisfied with their service and partnership.
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G
Ginny
Washington, District of Columbia

2/7/2018
Outstanding service, always professional and courteous when I call to speak to a representative. Claims are easy to submit. Thanks
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Carrie A
Carmel, Indiana

2/6/2018
Nationwide Pet Insurance has been so helpful for our pup, Lari! Lari unfortunately had to undergo TPLO surgery, and Nationwide was able to cover a lot of the related surgery and follow-up appointment costs. We are very grateful for the benefits of Lari's coverage.
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Jennifer W
Cedarburg, Wisconsin

2/6/2018
So glad I have this insurance! There's nothing that means more, than to not worry about medical bills for my fur baby, Spud!❤
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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