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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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Barry C
Brockton, Massachusetts
Fantastic pet insurance! Generous reimbursement. We have had several health issues with our 2 year old Wheaten Terrier Shiloh and we would be out of pocket for a lot of money without the great coverage provided by Nationwide. Quick payments e-mailed to you, comprehensive coverage for a litany of medical issues and excellent customer service. You are really doing yourself and your pet a disservice by not picking up their coverage. Why should you have to choose between getting your beloved pet the medical attention they need and paying other bills? With Nationwide pet insurance your worries about these sometimes tough choices disappear.

Chelmsford, Massachusetts
Easy to use. Fast quick payments.

Emily F
Pittsburgh, Pennsylvania
I am so happy I decided to insure our dog, Murphy, with Nationwide. Now I never have to worry about how much his healthcare will cost, and I do not have to make those difficult decisions whether or not he should have certain procedures done...I sleep a lot easier now that I know Nationwide is helping to cover the cost of my dog's healthcare costs.

Tucson, Arizona
So far the plan has been operating in the way it was spelled out. No surprises on coverage and sending invoices for treatments, everything they say they will cover, they have covered so far.

Christine B
Los Angeles, California
I wish that my health insurance were half as caring!

patty b
Brookline, Massachusetts
Nationwide has been amazing from well care to a trip to the ER in the middle of the night.

Tamara E
New York, New York
I would recommend Nationwide Pet Insurance to every pet owner. When we welcomed a Great Dane puppy into our home, we knew they had health issues but didn't realize we would be faced with him having some health issues just a few months after getting him. Sending over the claims, tracking progress and getting reimbursement is extremely easy and painless.

Julie R
The Bronx, New York
I have 3 dogs on your insurance plan. I will say that the coverage is not as good as it used to be. It is still good just different.

Jyll M
Long Beach, California
Never disappointed with the support and coverage I get with Nationwide. I’ve recently had a few unexpected visits to the vet that were a little tough on my wallet. So thankful for my coverage with my dogs surgery and X-rays. With Nationwide I feel i have someone on my side so as not to compromise my dogs health care. Thank you Nationwide!

Janice N
Statesboro, Georgia
I know you hear this all the time, but I love my dog. I can afford all of the normal costs of food, shots, flea and tick meds, etc. And fortunately, I can afford the monthly premium of Nationwide's pet insurance. I had actually considered cancelling the policy, because I thought that the money I spent on the premium might be better used for other things (bills!). But then Mack hurt his leg, and there was, and still is a questions as to whether he will need surgery. Just the x-rays alone were over $200, because he had to be sedated to be x-rayed. Then there were extra visits, extra meds, and I was overwhelmed. I am so glad I didn't cancel his policy. We are trying to mend his leg with meds... Read More

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