Nationwide Pet Insurance Review

Rating: 8.5 / 10 (Excellent)
2,224 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 - 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.
Pets Covered
Exotic Animals
Coverage Types
Vet Selection
Out-of-State Coverage
Commercial Pets Covered

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 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.
Benefit Limit Types

Reimbursement & Deductibles

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

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.
Deductible Type
Minimum Deductible Offered
Maximum Deductible Offered

Pricing: How much does Nationwide cost?

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.

Starting Monthly Premiums

Rate Details: Annual Deductible: $250, Benefits Cap: Annual & Unlimited, Reimbursement Model: Benefits Schedule
Available Discounts: 5% discount on current Nationwide member

Enrollment & Waiting Periods

Enrollment - 6 / 10

Like our other companies, Nationwide will enroll pets starting at 6 weeks. 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.
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

Claims & Service

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.
Advertised Response Time
Claim Form

Contact & Additional Information

Homepage URL
Headquarters Address
One Nationwide Plaza, Columbus, OH, 43215
Mailing Address
P.O. Box 2344, Brea, CA, 92822
Year Founded

What We’re Hearing From Our Readers
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Customer Comments

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Alex H
Denver, Colorado

We recently got our first puppy and he became quite ill. Luckily we had Nationwide on our side! We put in a claim for our expenses and we were reimbursed in a few weeks time. I am very pleased thus far with Nationwide Pet Insurance and am very thankful it was something we decided to invest in.
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Christina D
Harrisonburg, Virginia

I have nothing but wonderful things to say about Nationwide Pet Insurance. I was extremely impressed when I called with a question about a claim the other day, I mentioned that Duke was going to require surgery the following day. The representative that I was speaking to, automatically asked about my pet and truly showed their concern over his health and well being. Not one word was said about the expense of the surgery. I will continue to recommend Nationwide to all of my friends getting new pets!!!!!
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Janis F
La Mirada, California

Absolutely great. Paid in record time. When you love your "fur babies" a little help when they are sick is much appreciated.
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Venice, California

I'm extremely pleased on how quick Nationwide handles my dogs medical needs. Thank you Nationwide!
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Steve L
Encinitas, California

I’ve had pet insurance through Nationwide for a little less than a year now. I find them very easy to deal with and the claims process fast and user friendly. Thank goodness we have had no serious health issues with our dog but the piece of mind we have with Natonwide is comforting. I highly recommend them.
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Jennifer F
North Reading, Massachusetts

I love how fast the claims are and that I don't have to call and make sure I get the service I need! I recommend Nationwide pet insurance to everyone I know!!
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Andy R
Venice, Florida

Thank you for asking. Sadie is doing very well. All her stitches are out and there is only one small open wound that is taking a little time to heal (she has been licking it), so, now we keep it covered with an antiseptic bandage which we change every day. Doesn't seem to bother her or cause any pain.She's a little slower than the other 2 Kees and I don't let her run as much but she eats very very well, and is always happy & responsive to everything we do. She, like the others, is very much loved & cared for and will be right to the end. It's All About The Dogs...* Sincerely, Andrew R PS And Thank You for your check that really helped us pay for her surgery.
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Pamela A
Somerville, Massachusetts

After a very nasty virus, Conner is doing great. I had peace of mind when Conner had to go to the vet for fluids because of dehydration. It is wonderful to be able to focus on your best friend instead of how you will pay for treatment. Thank you, Nationwide!!
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Sharon C
Seattle, Washington

I liked the idea of having protection for my pet should an emergency strike but am now thinking that nationwide is not worth the costs. Especially for a young healthy dog. I would have given less stars but for some reason.
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Jeanette W
New Port Richey, Florida

Nationwide handled our claims quickly and accurately. Thank you for such great service.
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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