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?

Breakdown

10/10
Coverage
10/10
Benefit Limits
10/10
Deductibles
10/10
Reimbursement Models
8/10
Claims and Service
8/10
Pricing
3/10
Enrollment

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
1981
Underwriter
National Casualty Co.
Standard & Poor's Financial Rating Financial Rating
A+
AM Best Financial Rating
A+
Headquarters
One Nationwide Plaza, Columbus, OH, 43215
Mailing Address
P.O. Box 2344, Brea, CA, 92822

Nationwide Pet Insurance Coverage

Coverage Specifics

Pets Covered
Dogs
Cats
Birds
Exotic Animals
Coverage Types
Medical
Wellness
Vet Selection
Unrestricted
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

Specifics

Benefit Limit Types
Per Incident
Unlimited

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.

Deductibles

Key Facts

Deductible Type
Annual
Minimum Deductible Offered
$100
Maximum Deductible Offered
$500

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.

Reimbursements

Key Facts

Reimbursement Model
Actual Cost
Benefit Schedule
Minimum Percent Reimbursement
90%
Maximum Percent Reimbursement
90%

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
Mail
Email
Fax

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

Dogs
$34.25
Cats
$18.84
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

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

7.64
Based on customer reviews
445 Reviews
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rachel
5/23/2017
I am so glad I chose Nationwide Pet Insurance! They have saved my puppy and me! She has been sick a lot and the vet bills add up. Without them we would be struggling to get by! My pup gets the care that she needs and I do not have to stress as much over the financial aspect. I feel like she is in very good hands. I recommend them to everyone I meet. They even made it easier with electronic reimbursements. Thank you Nationwide! I cannot say enough good things about them.

N
Nancy G
Albany, New York
5/23/2017
We are very satisfied.

Siobhan M
Raynham, Massachusetts
5/23/2017
The best pet insurance out there!!! Efficient, excellent customer service reps and a vast array of coverage options......thank you, Nationwide!!!

Evaldas Z
Brandon, Florida
5/22/2017
worst insurance this company does not do what they advertise its a 100% fraud they will found a way to not to reimburse stay away

Evaldas Z
Brandon, Florida
5/22/2017
worst insurance i ever see i had full coverage with this company they did not cover anything stay away from them

Karen D
Hellertown, Pennsylvania
5/22/2017
Thank you so much for inquiring about Buster's health and recent vet visit. I so appreciate your kindness. Thank you again. Karen Korizis

Debbie H
5/22/2017
Jack is better. How nice of you to send an email asking and a great way to motivate customers to give a review. Good for you. You guys are great. Jack was bitten at Day Care and it cost us a little over $500 at the Vet. He is fine and you sent the check quickly which definitely helped reimburse us. You also paid quickly when he was recently neutered. Great job, I highly recommend you guys. We have 4 animals with you.

S
Sharon H
Lorton, Virginia
5/22/2017
We were very pleased with the amount Nationwide covered for Gabe's recent trip to the vets. We have told several of our friends and relatives about it.

E
Ezequiel s
Hempstead, New York
5/22/2017
It has been a pleasure having you as my pet insurance Claims are done very easy and the process is smooth All calls are handled with concern an how the pet is doing You guys always put the pet first Thank you

E
Erica M
Pottstown, Pennsylvania
5/22/2017
I have been so pleased with all contacts with Nationwide, I only wish I knew about this insurance from day one. Milli is feeling much better after her last vet visit, thank you for asking. Prompt response at time of receipt of claim and speedy receipt of reimbursement was, and has been greatly appreciated.

Start your review for Nationwide Pet Insurance