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Nationwide Pet Insurance Review

Rating: 8.5 / 10 (Excellent)
1,792 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 Specifics

Pets Covered
Exotic Animals
Coverage Types
Vet Selection
Out of State Coverage
Commercial Pets Covered

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.

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

Reimbursement & Maximum Benefit Limits

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.

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.
Reimbursement Model
Actual Cost
Benefit Schedule
Minimum Percent Reimbursement
Maximum Percent Reimbursement
Benefit Limit Types

Claims, Service, & Deductibles

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.

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.
Advertised Response Time
14 days
Claim Form
Deductible Type
Minimum Deductible Offered
Maximum Deductible Offered

Pricing: How much does Nationwide cost?

Starting Monthly Premiums

Rate Details: Annual Deductible: $250, Benefits Cap: Annual & Unlimited, Reimbursement Model: Benefits Schedule

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.
Available Discounts: 5% discount on current Nationwide member


Enrollment Age & Waiting Periods

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

Enrollment - 6 / 10

Like our other companies, Nationwide will enroll pets starting at 6 months. 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.

Company Profile

Full Name
Nationwide Pet Insurance
Company Website
One Nationwide Plaza, Columbus, OH, 43215
Mailing Address
P.O. Box 2344, Brea, CA, 92822

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1792 Customer Comments & Reviews

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Michele G
San Jose, California
Worst coverage I have ever had.

Roberta P
Orlando, Florida
It is nice to have the insurance when my dog got sick.

David N
Endicott, New York
Nationwide allowed us to give our dog the surgery and care that she needed and deserved! We would have had a tough decision to make on alternate, less effective, methods to heal her but thanks to Nationwide, our girl is back to herself! And the direct pay on claims is an awesome feature!

Audrey F
I am so incredibly grateful for Nationwide Pet Insurance. My husband and I had a rough year with our fur son after he swallowed a toothpick, had gastroenteritis, and tore his ACL all within the 3 months of each other. If it wasn't for Nationwide, we couldn't have afforded the care our dog needed. I truly am grateful for the excellent coverage we have received and how easy Nationwide made it to receive their help.

Krista H
Houston, Texas
I am very happy with Nationwide. I have insurance on 4 of my dogs. It is very easy to submit a claim and the check for reimbursment always arrives in a timely manner. I recommend Nationwide to all my clients

Alhambra, California
I originally submitted two claims on approximately Oct. 24, I believe, and Oct. 26. The first one was paid and somewhat quickly, but "leg pain," which turned out to be a bit of arthritis, was coded as "IVDD." This only matters because my dog actually has IVDD, and we may incur medical expenses associated with it that won't be covered because the allotted amount was used due to the incorrect coding. I've submitted a formal doctor's report but haven't heard back as of Nov. 20. The second claim was for an echocardiogram to make sure that Lily's heart murmur hadn't advanced. I accidentally left off the veterinary invoice, sent it again, and it still hasn't been dealt with in any... Read More

Sue R
Austin, Texas
I am very pleased with Nationwide Pet Insurance. Karlee is almost 8 years old and she’s been covered since she was a puppy. We have wellness care and medical and are always happy with the reimbursement we get. Filing a claim is fast and easy using email and scanned claims forms and teimbirsement checks arrive in the mail shortly afterward. I would highly recommend (and have reccomeded) Nationwide Pet Insurance.

Sheri G
Baltimore, Maryland
I switched to Nationwide almost a year ago from Pet Plan. I cannot express how AMAZINGLY WONDERFUL Nationwide is. They are very fair and I have never waited over 3 weeks for reimbursement. I absolutely LOVE this protection for my fur kids. Thank you Nationwide!!!

Deb M
Irving, Texas
Fast processing of my claim. Have had pet insurance with Nationwide for 6 years. Happy!

Barbara H
I am so happy that I got Nationwide pet insurance for my labradoodle, Bella. It has made her life better being her first year. I don’t hesitate taking her into vet when she has issues which I have seen my friends do. I’m very pleased with Nationwide Pet insurance and will continue for price of mind and Bella’s health

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