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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?

Breakdown

10/10
Coverage
10/10
Benefit Limits
10/10
Deductibles
10/10
Reimbursement
8/10
Claims and Service
6/10
Pricing
6/10
Enrollment

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
Dogs
Cats
Birds
Exotic Animals
Coverage Types
Medical
Wellness
Vet Selection
Unrestricted
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
90%
Maximum Percent Reimbursement
90%
Benefit Limit Types
Unlimited

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
Mail
Email
Fax
Deductible Type
Annual
Minimum Deductible Offered
$100
Maximum Deductible Offered
$500

Pricing: How much does Nationwide cost?

Starting Monthly Premiums

Dogs
$34.25
Cats
$18.84
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

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
Headquarters
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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H
Heather
8/3/2017
I love love nationawide and how helpful and nice the people are with pets!! Payment is quick and sending in a claim is easy and most vet know what you need to submit. Thank you all so much!!


L
lauraguay44@gmail.com
Manchester, New Hampshire
8/3/2017
Completely satisfied with the fast return on the claims. Have it for both of my Yorkies and it has been extremely helpful for office visit and new puppy visits. I have been telling people I have insurance on them and they laugh at me. Theese are people that won't take their pet to a vet for required care because it is too expensive. Having it encourages better health and happiness.


K
Kevin O
Brooklyn, New York
8/3/2017
Nationwide has been fantastic and responsive to our claims. Within a week, I receive a check for vet visits. Nationwide does exactly as promised, pay 90% of our vet bills, once our deductible is met. I had some reservations at first, but have been won over. I will never have a pet without insurance from Nationwide again. What a small price to pay for peace of mind! Now I do not have to worry about financial concerns when caring for my pet. I highly recommend this company to anyone with pets!


C
Carol R
Schererville, Indiana
8/3/2017
It has been a pleasure dealing with Nationwide. Been very fortunate to have the insurance.


J
Jackie C
Spokane, Washington
8/3/2017
Your have been wonderful following and helping with the costs of Pepe's recent illness. I was afraid due to the time period it took to correct the infection you may leave me to the wind. You give me peace of mind when it comes to the health of my most precious little ones. Thank you.


Lisa S
San Marcos, Texas
8/3/2017
I have been extremely pleased with my experience with Nationwide and the coverage. Customer service has been excellent as well, my questions are answered promptly and my claims have been processed faster than my human insurance :-)


J
joyce j
Brooklyn, New York
8/3/2017
Customer service is always friendly and helpful when I call. There has not been an incident where they could not answer my question or address any concerns I may have. I recommend Nationwide to everyone I know with pets. Thank you for being there!


Tayna R
New York, New York
8/3/2017
I could happier to choose nationwide im very glad. It has helped me all the way my first pet with more to come.


N
nrohde5@gmail.com
8/3/2017
The service has been excellent. They have covered what I expected and been very helpful!


E
Ellen A
Averill Park, New York
8/3/2017
Takes long for claim to be complete - I went into the claims and it is complete but says check payment and is not what I want



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