Nationwide Pet Insurance Review

Rating: 8.5 / 10 (Excellent)
2,231 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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Bobbie B
Philadelphia, Pennsylvania

Best insurance ever for pets with this I was able to get my dog the surgery he needed I tell everyone about this insurance
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Samantha L
Boston, Massachusetts

I've had my Great Dane covered under Nationwide ever since she was a puppy. I have to say it's one of the best investments I've made. It gives me peace of mind to know that she is going to be taken care of if anything goes wrong. While she is a very healthy dog it's nice to know when she does have a health problem I don't have to worry about going broke. I have recommended Nationwide to all my friends and colleagues who get pets. From now on I'll always insure my pets with Nationwide.
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Barbara O
Delray Beach, Florida

Having this insurance has been a lifesaver for me. With my other dogs, I would wait until things were really bad, before I went to the vet. Now, because I have this wonderful insurance, I take care of my dog a lot better.
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Michele P
Nashville, Tennessee

Our furbaby Millie had been feeling very bad and after an expensive trip to our vet Nationwide came to the rescue. Our bill was $453 dollars and after our $100 deductible Nationwide reimbursed us the rest of the cost. A big shout out and thanks to this pet insurance company.
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Terri S
Derry, New Hampshire

Nationwide Pet Insurance is the best program EVER! We have recommended this plan to numerous friends who have also signed up. If you have pets, you definitely need to have this insurance program. This will protect your beloved pet. Having this insurance eliminates the concern when a tragedy strikes. You know your pet can receive the care it needs. WE LOVE NATIONWIDE PET INSURANCE and recommend it to EVERYONE!
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Philadelphia, Pennsylvania

I couldn't say enough about my experience with the way Nationwide handles pet claims. They are very quick from the beginning of the claim to the end. When your pet is ill, it's comforting to know you can count on Nationwide.
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Julian J
Roswell, Georgia

We joined NW months ago, explained Dixies History and discussed our plans. Shots, Checkups , Spade Operation and thousands of dollars later, I called NW and asked if I'm going to get any reimbursement? What is taking so long? Well, after I was instructed to resubmit all Vets Info I finally recieved $500. !?!&$!?? Wished I never joined......
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Lisa B
Bushkill, Pennsylvania

This was my very first time using Pet Insurance and I was very pleased with the results. 90% of every bill I faxed them came back paid. I have definitely recommended them to all of my pet owning friends.
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Salinas, California

When a pet is injured its scary you don't want to have to worry about financials too Nationwide has been great reimbursements are quick and easy so blessed we chose the right insurance company for our truffles
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Toni S
Phoenix, Arizona

Nationwide was truly the best decision I made when I decided to bring a new fur baby into our family. All the important decisions of making sure our little one gets the best care possible have been easy when not having to worry about how to pay for it. Thank you nationwide for being there for us and Oliver.
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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