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Nationwide Pet Insurance Review

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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.
 
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How is Nationwide rated?

Breakdown

5.0/5
Coverage
3.0/5
Cost
4.0/5
Extras

Overall Rating: 4.3 / 5 (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 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 besides Whole Pet with Wellness operate on a benefit schedule.

Nationwide Coverage

Coverage - 5 / 5

Nationwide's Whole Pet with Wellness plan is a great option for a complete pet insurance plan.

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 recently released a more inexpensive Whole Pet plan without the wellness component.

This plan has many of the same characteristics of Whole Pet with Wellness, operates on a percentage reimbursement basis, but is subject to different annual caps.

It is interesting to note that 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
Yes
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 - 5 / 5

Both Nationwide models -- Whole Pet with 90% reimbursement, and all other plans with a benefit schedule -- offer unlimited annual maximums. The new Whole Pet plan without wellness, though, is subject to a $10,000 annual cap.

Additionally, you must remember that any plan but the Whole Pets are 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.
Benefit Limit Types
Unlimited

Reimbursement & Deductibles

Reimbursement - 5 / 5

Nationwide's top tier Whole Pet with Wellness, as well as the new Whole Pet (alone) plan, both reimburse 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 - 5 / 5

Nationwide Whole Pet with Wellness offers one annual deductible of $100.

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.

The new Whole Pet without the wellness component, as well as the Major Medical plan, both have annual deductibles set at $250.
Deductible Type
Annual
Minimum Deductible Offered
$100
Maximum Deductible Offered
$250

Pricing: How much does Nationwide cost?

Cost - 3 / 5

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

Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$34.25
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$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 - 3 / 5

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

Extras - 4 / 5

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
14 days
Claim Form
Mail
Email
Fax

Contact & Additional Information

Homepage URL
https://www.petinsurance.com/
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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Shari S

5/11/2017
I have the Nationwide insurance plan whole pet with wellness and I would highly recommend it. It's total piece of mind knowing that my dog is covered 90 percent for anything that comes along in life! Claims process is easy and reimbursement is quick.
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JA S

5/11/2017
We love that Scout is covered by Nationwide pet insurance! Have had a coupe claims and it is so easy to file them! Just fax it in and they respond quickly to let you know they are working on it and in a few days the check is in the mai! Also love that we can have a wellness plan that helps give him the best care available! NATIONWIDE IS DEFINATELY ON OUR SIDE!!
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Lisa

5/11/2017
Nationwide is well worth it. They covered most of the emergency bill when we had Tj take our two month old in. They cover most of all our vet bills.
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Kelly W

5/11/2017
I am very happy that I went with Nationwide for my pet insurance. Our dog has been back and forth to the vet this year for different sorts of infections, and every time I submit a claim I hear back within a short amount of time and the checks are mailed to me right away. They are an easy company to work with, and I really appreciate that.
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Megan Y

5/11/2017
I have had nothing but great service and coverage! So glad I switched!
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Marie L

5/11/2017
I am very fortunate to have my pet insurance through nationwide. The customer service is excellent!!! My dog had cut her paw and was limping and couldn't put pressure on it. So I took her to the emergency vet. Without this type of insurance I would have had a hard time paying the bill. So please do look into this if you don't have this insurance cause you never know. A Very happy customer!!! PS Thank you for checking up on my Sonic.
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Barbara W

5/11/2017
I've read several reviews about this ins, none of them good which I have to completely disagree with. We've been members of this ins for several yrs and have never had an issue. Your the only ins carrier that I've seen that covers all the things u do. It doesn't matter if it was an incident from a yr ago or 2 wks ago, as long as u have a receipt and it's a covered expense. So I thank you , I've had nothing but positive experiences with this ins carrier. Diesel is getting better slowly but surely. Sincerely, Barbara (cookie) W.
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Rene N

5/11/2017
My Jazz is thankfully a very healthy boy. I am very grateful that I am able to keep up on health maintenance such as teeth cleaning and flea/tick and heartworm treatment with the help of Nationwide. It is almost like a savings account for pets. It is worth every penny, plus having the peace of mind. Thank you for being awesome!
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J
Jamar W

5/11/2017
Nationwide Pet Insurance has been very helpful throughout the whole process of exploring and then finding a good insurance company for our family pet "MELLA". thus far, we have not complaints about the company. We are utilizing the insurance via our veterinary doctor and the process of our claims so far has been flawless...Thanks!
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Liza h

5/11/2017
Love this insurance the best!!!
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Top Rated
Our Partner
  • No enrollment or administrative fees
  • Accidents, illnesses & emergency care
  • Most claims are processed within 2 days
  • Flexible premium & deductible options

 

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