Nationwide Pet Insurance Review

Rating: 8.5 / 10 (Excellent)
2,222 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
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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2222 Customer Comments & Reviews

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Brittany W
Ashburn, Virginia

Nationwide has been nothing but helpful for my French Bulldog since the first day. Every claim is handled quickly, efficiently, and honestly. I always get my check within 30 days. Great company and I truly believe they care about my little fur baby!

Dana F
Twinsburg, Ohio

So pleased to have signed Sophie up with Nationwide Pet Insurance. It gives me peace of mind when medical issues occur that I know that she will covered. Our last experience for Sophie turned out to be an allergic reaction to a cleaning product I used around the house. Sophie is doing much better now. I also appreciate the coverage for routine prescriptions like heart guard and flea protection and other well dog care items as listed in my policy. My last dog was not covered by insurance and I incurred thousands of dollars in medical bills to keep her going. This time I will have coverage in place before any serious issues arise.

Laura L
Germantown, Maryland

Getting Nationwide was the best thing I have done in a while. When my dog is not feeling well I am not scared to take him to the vet because I know nationwide has my back. They answer your claims within a week. Great customer service.

Judith F
Vienna, Virginia

This is the first time I have opted for pet insurance and I have been very pleased with the experience. NATIONWIDE always responds in a very personal and caring manner. The claims process using email is straight forward and processing of claims is fast.

David R
East Palestine, Ohio

Gracie is doing great after her latest visit. Gracie has an allergy condition that will require ongoing treatment. We cannot say enough about our experience with Nationwide Pet Insurance. Gracie has been enrolled with Nationwide since we brought her home as a 10 week old puppy and Nationwide has been unbelievable when it comes to handling our claims. Every time the response is fast and rarely is there any question. When a question does arise Nationwide is quick to let us know exactly what additional information they require. I cannot imagine having a dog and not carrying Nationwide Pet Insurance.

Donald M
Wyandotte, Michigan

Best pet insurance!! My baby has racked up quite a few vet bills her first year but I don't worry because Nationwide has me covered. Never any problems filing claims and getting reimbursement. 5 stars!!!

New York, New York

I cannot say how much I appreciate the wonderful service we have received from Nationwide. Our little puppy, Wilson, has had many medical problems in his first year of life and we are so grateful for the courtesy of the staff and the speed at which we have been reimbursed for our layout of money. Thank you all so much.

Teresa B
Auburn, California

Nationwide has been fantastic pet insurance for us. From preventative maintenance reimbursement to reimbursement for extensive surgery (broken leg), Nationwide is easy to work with and fast to process claims. We are so happy we have this insurance for our dog. We wish we had purchased this years ago for our other pets too.

Boxboro, Massachusetts

Yes Hope is feeling much better, I am happy to have made the decision to get her insurance. It has been very helpful..

Huntington Park, California

We have the whole pet wellness plan for our puppy. This plan covers 90% of her expenses after we meet the low deductible. Our pup was spayed and had an infection that caused her to need urgent surgery just a couple of weeks after her spay surgery. Without it, she would have died. We had to see a board certified surgeon that was a specialist to help our pup. She received the best care! The surgery cost over $6,000.00. Nationwide did not hesitate to cover our pup as outlined in our policy. We paid only 10% of the bill plus our deductible. We were reimbursed within three weeks of submitting the claim. I am thankful we had the policy in place. I recommend Nationwide because I trust... Read More

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