Nationwide Pet Insurance Review

Rating: 8.5 / 10 (Excellent)
2,231 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 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
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

What We’re Hearing From Our Readers
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Customer Comments

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Marvin G
West Orange, New Jersey

I've always had pet insurance and like many others, my dog was healthy and vet visits were limited to his annual physical exam. Although my dog is still relatively young I opted for Nationwide's new full protection policy. Thank goodness that I did.. my dog tore his ACL, required many vet visits, to rule out other problems, and eventually required surgery and physical therapy... Nationwide covered 90% of my expenses. Needless to say I cannot recommend them highly enough. SG from NJ
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JoEllen M
Swannanoa, North Carolina

This is JoEllen and Micaiah McIntire, and we'd like to submit a review from our experiences with Nationwide as Nationwide worked along beside us during our 2016/2017. Micaiah (our golden retriever who is only 2 yrs. old) would not even be here as we are so stressed about his cancer on his left rear leg (knee area). Things are going along well with Upstate Veterinary Specialists (Dr. Ian Martinez who was referred to us by Dr. Early at Animal Hospital of North Asheville), and we PRAY that Micaiah's treatments with Upstate Veterinary Specialists in Greenville, SC (this is were Micaiah and I went for 6 days for Micaiah's radiation treatment) and Upstate Veterinary Specialists, here in... Read More
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West Palm Beach, Florida

So we've been with Nationwide for just @ one year now....... and overall, we are very pleased. I feel confident that Nationwide is fair, organized and communicative.... thank you.... If i could make one request, it would be to have claims available to do digitally vs mailing the claim form and receipt (unless it is, and i can't figure out how).... Overall, Thank you very much.... Trish, Chris & Quila
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Seattle, Washington

My claims are reviewed promptly and I am notified of their status quickly. The website is very helpful in showing claims info and their status. Seems to me the customer service has gotten better since it was rebranded Nationwide Pet Insurance. It's a great relief to have this insurance. Thank you.
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De Pere, Wisconsin

I am very pleased with the service I get from nationwide. Coverage is great and claims processing is done in a timely fashion. I will recommend (and have already) this company to my friends.
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Ronkonkoma, New York

People tell me i am paying to much insurance for 2 dogs , that i have to pay then get the money from the insurance, thats not good or, any help to them, But to me i do see their point in away but you do get almost all your money back after you send in the claim doctors do not want to wait. My dog was just so sick cost me,alot i had to come up with the money to take her to the doctor, but i send in the claim i got 90% almost all my money back and fast now i put that aside if there should be a next time so it does help alot and i will continue and recomended it to anybody that has pets it helps, Linda
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Xiya T
Walnut Creek, California

I am using Nationwide Pet Insurance for my dog. I wouldn't recommend it to anyone. Here below are the summary of my review for this insurance. I am now thinking about switching to another insurance company. 1. Incompetent staff handling claim review, which of causing claims rejection. I will have to call them to explain that is a waste of my time. 2. Slow claim review. 3. Bad customer service.
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Sheeja K
Queens Village, New York

I'm new with this insurance and this is the best insurance ever. I already recommended to 3 of my friends. They are also happy with this. The staffs are very nice and helpful. Thanks to nationwide insurance. Love you guys.
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Kim W
Lahaina, Hawaii

Nationwide Pet Insurance has given me the sense of security in knowing that my pet's medical expenses will always be covered. The staff is always easy to reach and responsive to any concerns. There is very little hassle in submitting claims and payment is sent quickly. I am extremely happy with this insurance.
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Tess D
Long Beach, California

We had Nationwide now for a year and we will continue to insure our baby Wookie. Nationwide is simply the BEST!
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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