Nationwide Pet Insurance Review

Rating: 8.5 / 10 (Excellent)
2,231 Customer Comments & Reviews - see all comments
Disclosure: We receive advertising revenue from this partner. 
Learn more.
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
Are you a customer of Nationwide Pet Insurance?
Submit a comment and tell other people about your experience!
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

Customer Comments

Loading Reviews ...
Gaylen M
Lancaster, Pennsylvania

Love working with Nationwide. All claims are explained & expedited quickly & efficiently. We are always secure with knowing if our pets need treatment or just a check up, that Nationwide is always there to take away some of the worry. If you are looking for pet insurance, be confident this one will be there when you most or least need them. Customer service like this is hard to find these days. Our dogs, Jethro, Stella & Bearegaurd all thank you. Beauregard the 4 year old bloodhound, going strong with Nationwide on his side. Thanks again
Was this comment helpful?

Jill W
Woodbridge, New Jersey

I have been very pleased with Nationwide Pet Insurance since I decided to sign up Chloe in September. It's so easy to fill out and fax the claims and I like that I can check on the progress of the claim online. My recent claim was for flea and tick meds and it was reviewed and paid very efficiently. Chloe is a very happy, healthy Sheltie but it gives me peace of mind to know that we have coverage not only for wellness but if she becomes sick,
Was this comment helpful?

Walnut, California

Excellent customer service! Honest, professional, compassionate. I'm very pleased!
Was this comment helpful?

Raleigh, North Carolina

We LOVE Nationwide... Without it we could not have continued to provide care for one of our pups. We've used Nationwide Whole Pet with Wellness for all of our dogs for approximately 1-2 years now. We have one puppy that was diagnosed with a chronic and life threatening illness just a couple of weeks after her plan became active. I have a natural distrust of all insurance companies and fully expected her claim to be turned down. I didn't know how we would financially handle her care if they did, but when we sent in the first bill of $12,700 for a 9 day stay in ICU at our local veterinary teaching hospital they covered it. We received a check back for $11,200. It was 90% of the bill... Read More
Was this comment helpful?

Philadelphia, Pennsylvania

My dog recently had a spinal injury that required surgery . I am glad we chose nationwide for an easy , no hassle plan .
Was this comment helpful?

Michael B
Hackensack, New Jersey

Service is always incredibly fast, turn around on the EOB's always within one to two days of submission. The absolute best pet insurance I have ever owned or had to deal with. It is so nice to have incredible peace of mind for my little guy, should he ever need to use the insurance.
Was this comment helpful?

Catherine B
Grafton, Massachusetts

The great thing about Nationwide, is the fact that I can give both Bailey and Moose the care I know they need without having to juggle the "can I afford it" question first. The process for submitting receipts is easy and quick. I have only positive things to share on this service! You guys are great!
Was this comment helpful?

Kim P
Dallas, Texas

Super easy and fast claim processing, great customer service. I have Whole Pet coverage on both of my dogs and so glad that I have Nationwide coverage!
Was this comment helpful?

Lakewood, New Jersey

Maxwell is doing great! Even with routine visit costs, Nationwide has been amazingly easy and cost effective! Thank you!
Was this comment helpful?

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!
Was this comment helpful?

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