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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Phyllis C
Fort Lauderdale, Florida
Nationwide has been wonderful. I looked into many companies before selecting Nationwide, and I am very happy with my decision. A few months ago, my dog Maya was diagnosed with a torn Anterior Cruciate Ligament (ACL). She was limping a lot and obviously in pain. She needed 'knee' surgery as this was the only way to correct the problem. The surgery was $3500, and I was worried about the money for such an expensive procedure. Nationwide came through. They paid over $3400, almost the entire bill. I highly recommend them to anyone with pets. I wouldn't be without them.

Melissa G
Guilford, Connecticut
I am very pleased with the experiences I have had with Nationwide Pet Insurance over the last few years. Unfortunately we have had 2 major health issues with our dog, but this insurance has made all the difference!!

Michelle A
Plainfield, New Jersey
Easy to submit claim, although email would be much easier then fax or mailing. Glad to see that many of our vet costs were covered.

Kathie C
Portland, Oregon
Just want to say how I appreciate Nationwide Pet Insurance. Thank you so much for your support and all you have done for my boy Sarge. I wouldn't have been able to have him treated if not for your incredible insurance. I have 5 dogs insured through you and I am so pleased with you!!❣️ Thank you!!

Laurie B
Anaheim, California
Submitted my claim for Annual vacs (wellness policy) beginning of May, 2017 and reimbursement was made within 2 weeks. Outstanding job- Nationwide!!!! If you are considering a pet insurance policy, it is well worth adding on wellness to your policy. For a little bit more, the insurance is so reasonable and covers all Dr visits, shots, meds, and flea treatments. I researched a lot of companies, and Nationwide was the best in covering our little furry friends.

Laura C
We had to take one of our four pets, our dog Ginger, into an emergency (after hours) vet. We came home from work to find her vomiting a pinkish liquid, which is not a good sign. We had not been home that day, so we didn't know what she had gotten into in the yard. We knew that this would entail a slew of tests and other expensive items just to figure out what was causing this an what course of action to take. As much as I want to say that money is never an option when dealing with animal care, I have to say, it does cross your mind - "Can we afford this bill?", "How long will it take to pay this one off? Having our pet insurance with Nationwide is a tremendous weight off my shoulders... Read More

Susan T
Sioux Falls, South Dakota
My Golden Callie is almost 6 years old and somehow got a urinary track infection-has never had one before. It was a relief to know that some/most of the cost would be taken care of. Thanks

Emiy A
Portage, Wisconsin
Baxter (our Bichon) tore his ACL and needed surgery. Unfortunately for Baxter he is also Diabetic. Nationwide has provided excellent service and support. Our claims are handled promptly and your website is easy to use and to follow-up on claim status. Submitting claims electronically is fast and efficient and any questions we have had about our claims have been answered quickly. Thank You Nationwide for providing Baxter wonderful insurance!

pauline j
Ocala, Florida
I've found Nationwide to provide excellent coverage for our dog. The claims payments are fair and the promptness with which they process claims is great. I normally have a reimbursement within 2 weeks or less.

Cheryl B
San Clemente, California
Overall I am happy with Nationwide. They pay faster than when it was VPI. The one downside and it is a big one, is that the coverage is very low for serious medical issues. You should pay a percentage of the invoice for service, not off some low balled schedule. If my animals had not been on VPI /Nationwide for so many years, I would change insurance providers.

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