Nationwide Pet Insurance Review

Rating: 8.5 / 10 (Excellent)
1,363 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 1,363 Reviews from Nationwide customers
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Elizabeth T
Gilbert, Arizona

I have been very pleased with the coverage by Nationwide. It allows me to make sure Cooper has the medication he needs for ongoing issues. His allergy medication is covered in full which keeps Cooper from having more severe issues. Also for those times when surgery is needed, there is no hesitation since I know that coverage will be there to cover most of the expenses. Recently, the time from submitting a claim to reimbursement has been shorter which is very appreciated.

Linda M
Queen Creek, Arizona

Very efficient, even when one check was lost! It takes alot of worry off me knowing she'll be tsken care of!

Helen H
Trenton, New Jersey

Nationwide provides excellent service in regard to pet insurance. They respond very quickly to claims, provide complete information regarding the claim and compensation is received within a few weeks of a claim being filed. They keep you updated throughout the process. I can't think of any way they could improve their service. I highly recommend them to anyone with a pet.


I did like the follow-up email about Govie seeing the vet, however, did not appreciate the fact you stated Nationwide helped offset the cost of her visit. I pay a monthly insurance premium to help offset any costs when she does go to the vet. I work in marketing and that comment rubs me the wrong way. I think you should reconsider telling your customers you helped pay for the visit. email: We hope Govie is feeling better after seeing the vet recently. ""We're glad we could help out with the cost of the visit!""

Greenwich, Connecticut

I have nothing but great things to say about Nationwide Pet Insurance. I've recommended you frequently to friends and family. Thanks!

Stuart, Florida

The response and true concern from the vet helpline was truly amazing. The turn around time on the claims filed was expedient. So happy I retained this insurance for my beloved dog Scrim. I no longer am concerned it is a waste of money to have this type of insurance and trust nationwide pet insurance to take care of my dogs medical needs until he is gone from this earth. Thank you Nationwide

Shane N
, North Carolina

Nationwide has really helped me with my dog's health this year. I love how convenient and streamlined it is to submit your claim and get reimbursed. Like any other insurance, sometimes you will have to battle through some challenges but I have been able to resolve these with Nationwide with no issues.

Kenadie R
Glendale, Arizona

After jumping through hoops trying to get all the necessary information sent out I had 100% NO HELP with the cost of the visits. In fact I never even heard back at all. This was the biggest waste of time and money. Thanks for nothing.

Michael T
Palm Desert, California

Hello I truly can't express enough how happy I am to have selected Nationwide Pet Insurance for my Little Yorkie, HATTIE ! Your turn around time in processing claims is Second To None ! Thank You For Your Concerns & Help In Getting Hattie Well :) Best Regards Michael Turney

Donita S
Plano, Texas

Just wanted to say how thankful I am for Nationwide Pet Insurance. Great value and great customer service.

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