Nationwide Pet Insurance Review

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.

Rating: 8.4 / 10 (Excellent)
445 Customer Reviews - see all reviews
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How is Nationwide rated?


Benefit Limits
Reimbursement Models
Claims and Service

Overall Rating: 8.4 / 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.

Company Profile

Full Name
Nationwide Pet Insurance
Year Founded
National Casualty Co.
Standard & Poor's Financial Rating Financial Rating
AM Best Financial Rating
One Nationwide Plaza, Columbus, OH, 43215
Mailing Address
P.O. Box 2344, Brea, CA, 92822

Nationwide Pet Insurance Coverage

Coverage Specifics

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

Coverage Rating - 10.0 / 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

Benefit Limits


Benefit Limit Types
Per Incident

Benefit Limits Rating - 10.0 / 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.


Key Facts

Deductible Type
Minimum Deductible Offered
Maximum Deductible Offered

Deductibles Rating - 10.0 / 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.


Key Facts

Reimbursement Model
Actual Cost
Benefit Schedule
Minimum Percent Reimbursement
Maximum Percent Reimbursement

Reimbursement Models Rating - 10.0 / 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.

Claims & Service

Key Considerations

Advertised Response Time
14 days
Claim Form

Claims and Service Rating - 8.0 / 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.

Pricing: How much does Nationwide Pet Insurance cost?

Starting Monthly Premiums

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

Pricing Rating - 8.0 / 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 Rating - 3.0 / 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.
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Latest Reviews

Based on customer reviews
445 Reviews
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Darlene N
Oxford, Massachusetts
Nationwide has been great! Every time I submit a claim I get a prompt message saying you received it and the payment is on its way shortly after. I am so glad that I decided to get pet insurance. Cooper has and inoperable tumor and is on Chemo. Without Nationwide we may have had to make a choice of putting him down or paying thousands of dollars out of pocket. Knowing we have pet insurance has given my whole family peace of mind knowing we can get Cooper the best of care with minimal cost to us. Cooper is part of our family and is loved beyond words. I can't begin to thank you for your help and support. Best Darlene Naleski

Laura T
Newport, Rhode Island
I never felt comfortable purchasing insurance for my other dogs. It seemed like they had to go through rigorous testing to be approved or at least that is what I had convinced myself. When we rescued our current pup, I decided to check around to see if anything had changed...and it did. Though I still thought I would never need to use it, but I have and my experience has been a positive one. It is easy to file a claim and reimbursement is received quickly. I have to say it truly has removed any doubt that I was making a mistake in purchasing this coverage...I really thought it would be a hassle and it has been a breeze. It is worth purchasing this coverage for our canine family... Read More

Michele G
Oak Park, California
I would highly recommend Nationwide insurance they took great care of Harley when had a fatty thing removed . Thank you

Tracy O
Snow Camp, North Carolina
My poor Moose had an intestinal problem recently. In 2 days, we spent nearly $1,800.00. I had the vets who treated my Moose submit claims through Nationwide Insurance. Within a week, I had received reimbursement related to my policy. Very easy and am very pleased with Nationwide Pet Insurance. Thank you!!!!!

Annette G
Westwood, New Jersey
I recently submitted my first claim and as pleased with the promptness of the processing. I was notified by e-mail that my claim was received and being reviewed and I did not have a long wait for reimbursement.

Linda L
Phoenix, Arizona
I ask very happy to have the ultimate coverage for my baby. I never imagined how much money I would be saving by preparing for the unexpected. Fast claims processing directly into my checking account

Nicole M
Poughkeepsie, New York
My customer experience with Nationwide has been amazing from the start. It's so easy to submit a claim, I'm kept up to date through email and I received my check in no time! I have such a peace of mind knowing Luciano is covered and knowing I can call the vet hotline at any time adds to that. Awesome company, amazing service!

Crestview, Florida
I'm so glad that I chose to insure my dog's health! It's one less thing to worry about when my dog needs me most to care for him! I recommend Nationwide Pet Insurance to any of my friends and family with furry family members!!

Roselle Park, New Jersey
I was amazed at how something as seemingly silly as a hairball could cause so much strife for my kitten, June Bug. She has a habit of lovingly grooming her long-haired cat brother and all that care left her with an obstructive hairball that looked like it was almost as big as she was. Since I had her insured, I didn't even have to think twice before approving diagnostic bloodwork and x-rays which revealed the culprit! Her vomiting could have been misdiagnosed with just a physical exam! The fix was easy and prevention is even easier. The claims process was so smooth and fast. My vet's receptionist helped with the claim form and within days I received the decision from Nationwide. She was... Read More

Nancy W
Miami, Florida
I am thrilled with my decision to purchase pet insurance with Nationwide Pet Insurance. Our dog Boomer was a rescue. Once we welcomed him in our home he became family. Since I have had this pet insurance I feel secure knowing I don't have to worry about taking Boomer to the vet for checkups, shots or when he is not feeling well. I also receive reimbursement usually within two weeks. I have recommended Nationwide Pet Insurance to friends for their dogs as well. It's a no brainer...if you have a pet you need insurance.

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