Nationwide Pet Insurance Review

Rating: 8.5 / 10 (Excellent)
1,364 Customer Reviews - see all reviews
Disclosure: We receive advertising revenue from this partner. Learn more.
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

Our Partner
8.5 / 10
  • First and largest pet insurer in the US
  • Whole Pet & Wellness Plan covers spay/neuter
  • Free 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

Latest Nationwide Reviews

Based on 1,364 Reviews from Nationwide customers
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Pat M

We have had Nationwide Pet Insurance for several yrs. They have always been caring, helpful and quick to respond whether it was by email or telephone. When we recently lost a pet, Nationwide was the first to respond and send a card. I cannot say enough about Nationwide and I recommend it to friends and relitives.

Alameda, California

Really a fantastic experience yet again with Nationwide Insurance. You guys go above an beyond - this happened even in the case of a car accident wherein your adjustor was just fantastic. I the case of Mia, I was expecting a lot of cuts here there and everywhere in the vet's bill - in terms of allowed versus actual. I live in an area where the cost of living is high - so are the vet fees and charges. So, hats off to you guys for taking care of adjusting appropriately to take care of folks like us. Just wanted to let you guys know - one good turn deserves another - so I refused to buy an OTC medication from my vet for Mia since that was available outside for a fraction of the cost -... Read More

Cornelia C
Selinsgrove, Pennsylvania

Hi, Cagney doing well. Got to a Doggie swim which was great. So glad for the Pet Insurance, just an ear infection but with meds the bills added up.

Snohomish, Washington

I like how easy it is to file insurance claim, no one send me emails or mail stating that they need additional information.

Mesa, Arizona

Our Frankie is getting older and had a couple of health issues lately. VPI was super prompt with some reimbursements and I love the follow-up.

Lynn B
Philadelphia, Pennsylvania

My Wishbone had to have expensive dental surgery last month. Nationwide insurance paid 90 per cent of the cost. I have a policy on all three Chinese Cresteds and I have been nothing but happy with the policies.

Linda M
Sacramento, California

Very good experience.

Eve M
Brooklyn, New York

Amazing ty they were very nice and the whole process was painlesss thank u again

Barbara C
East Rochester, New York

You have been nothing but great!!! To know that Parker has pet insurance, makes all the difference in the world. I have a friend who told me way back when Parker was just a puppy, your wasting your money on pet insurance. They know firsthand at getting caught with no pet insurance, they had to put there beloved pet down because they couldn't afford the medical bills. They also see with Parker what a difference you've made. They will be getting pet insurance when they are ready for a beloved pet again. Of course they asked me what's the name of that company again. 🐾

Eric G
San Antonio, Texas

My sweet girl cat Astrid got a nasty cut/gouge on her side and needed stitches and an exploratory evaluation to rule out further damage. Long story short, $1061 later, she's doing great and so am I as Nationwide made it so easy to file my claim. Not only is my girl better, my bank account is too as my claim was easy to file andcame very fast . I'm very pleased with the ease of using this insurance.

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Nationwide Pet Insurance