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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?


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

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1792 Customer Comments & Reviews

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Kelly H
Atlanta, Georgia
I cannot express how helpful it has been having Nationwide. My cat recently got sick and had to have a bunch of test to figure out what was wrong and then a bunch of meds to treat his illness. Nationwide reimbursed all of our expenses, minus our deductible. Having Nationwide gives me peace of mind knowing that I don't have to worry about the cost of vet care when my furbaby gets sick.

Margery E
Mill Valley, California
I still have the original Veterinary Pet Insurance (VPI) for one of my dogs. With it's schedule of maximum coverage amounts per problem, it's very stingy, especially for an older dog. I got my new dog after Nationwide took over VPI and I am so delighted with their generous new Wellness policy. Now, I can give him the care he needs, without worrying that it's costing too much. Nationwide reimburses me promptly and it's so nice to have those checks be automatically deposited. The best thing about Nationwide, and what none of the competition has, is the Vet Helpline. The people are so nice and caring. They were so wonderful and supportive when my Dylan was dying. I just used it the other... Read More

Maica R
He is run around like nothing ever happen. Thank You !!!

Casey S
Ontario, California
Weve had great experiences with VPI now Nationwide. We recommend to our family and friends and are always surprised when we hear they dont have pet insurance. Its not worth it not to. Nationwide is always promt, thorough and fair.

teresa s
Philadelphia, Pennsylvania
There was an error with my claim but your customer service people handled it like a champ and I was reimbursed my money for my cat's vet visit. I'm so pleased with Nationwide.

Jennifer M
Cumming, Iowa
We bought Nationwide Pet Insurance before we even brought our French Bulldog home as a puppy. Nationwide Pet Insurance has been a real value for us. There is no question we have a real piece of mind and Nationwide Pet Insurance benefits are fantastic. They even pay for Stanley's allergy medication. We are extremely pleased and would highly recommend!

Shannon P
Melrose, Massachusetts
Our experience with Nationwide has been wonderful! We have both of our dogs with you and it has been the best experience! Thank you for loving our pets as much as we do!

Samantha T
Boca Raton, Florida
Nationwide pet coverage is exceptional and the price is so reasonable. We can feel so confident in taking Stella for whatever care she needs knowing that the claims are processed and we are reimbursed quickly. The direct deposit for claims payments is a fantastic feature and we really appreciate it.

Jennifer H
Bakersfield, California
You guys are amazing! Our poor Rampage has so many issues and we can always count on Nationwide Pet Insurance to help us with the cost. Thank you so much!

Marilyn L
West Jordan, Utah
I have had a great experience with this company! Unfortunately, my English Bulldog puppy got cherry eye a few months after getting Nationwide Ins. on her. Because of a vets horrendous mistake while preforming her surgery, she ended up having to have 3 more surgeries on that eye. Then.....cherry eye popped up in the other eye! Nationwide covered 90% of each of those surgeries, follow up appointments and all medications. They were a life saver! Juts like insurance for humans, pet insurance is a good thing also, especially with a high or higher risk animal!

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