Nationwide Pet Insurance Review

#4 in Pet Insurance

Nationwide Pet Insurance

Nationwide issued the first pet insurance policy ever in the United States to TV's "Lassie" in 1982. At the time, the pet insurance brand was known as Veterninary Pet Inusurance (or VPI) & Nationwide was the underwriter for VPI's pet insurance policies.

Almost three decades later, in 2009, Nationwide acquired VPI. Since 2015, Nationwide has done away with VPI brand & they now operate their pet insurance products under the single, much improved & more recognizable brand: Nationwide Pet Insurance. 

Nationwide Pet Insurance, which now offers coverage that's competitive with the best companies in the industry, is the single largest issuer of pet insurance policies in the country.  

Company Overview:

Being a Fortune 100 company, Nationwide offers customers unparalleled financial stability and claims paying ability. And it's three pet plan offerings provide coverage for things most major pet insurance companies exclude. To us, two of the most noticeable differences is Nationwide stretches their coverage beyond just cats and dogs to include exotic pets and avians, and its "whole pet" and "pet wellness" plans cover routine stuff like checkups and vaccinations. 

Nationwide offers three levels of pet coverage. Their most basic plan is called Pet Wellness and starts at $17 a month. It provides for essential yearly maintenance kinds of things, vaccinations, flea treatments, routine checkups, etc. Nationwide's second tier plan is called Major Medical and starts at $34 a month. This plan is good if you are only interested in taking care of accidents and illnesses, it covers things like surgery, hospital visits and prescription medication. Starting at $64 a month Whole Pet is essentially a combination of the other two plans, covering accident, illness, hereditary conditions and yearly pet wellness visits.

What's Included with Nationwide:

  • No annual benefit, lifetime benefit, or per incidence limit.
  • Fully customizable deductible and copay
  • ​Deductible is annual, not per incident
  • Premiums never increase regardless of frequency of claims
  • ​Whole Pet Plan reimburses 90% of every vet visit, no benefit schedule and is based on actual vet bill
  • Exam fees included
  • Coverage for alternative therapies
  • Use any licensed vet, specialist, or emergency care in the world
  • 10-Day Trial period

Contract length

Annual

Enrollment age

6 weeks-10 years old. As long as pets are enrolled before age 10, and you don't let your policy lapse, they will be covered for the duration of their lives.

Waiting period

 Whole Pet and Major Medical start 14 days after application is approved.

 Pet Wellness begins 24 hours after approval.

Effective Range

 Worldwide. Use a licensed vet or emergency care anywhere.

 Deductible

 Annual and customizable.

 Claim limit

 None for Whole Pet.

Claim Reimbursement

14 days

Cancellation Policy

 100% money back guarantee first 10 days. Cancel anytime after and receive a refund of your unused policy.

 

What's Covered?

Nationwide covers dogs and cats, but also most birds and a wide range of exotic pets including:

Amphibians
Iguanas
Snakes
Rabbits
Turtles
Ferrets

Call 888-899-4874 to see if your exotic pet is eligible.

Pet Wellness

Major Medical

Whole Pet with Wellness

Yearly physical exams and tests

Congenital/Hereditary/Chronic conditions
(not pre-existing)

Congenital/Hereditary/Chronic conditions
​(not pre-existing)

Shots

Prescription medication

Yearly physical exams and tests

Flea/heartworm prevention

Surgery

Shots

 

Hospital stay

Flea/heartworm prevention

 

Diagnostic testing including X-rays, MRIs, CT scans and ultrasounds

Prescription medication

 

 

Surgery

 

 

Hospital stay

 

 

Diagnostic testing including X-rays, MRIs, CT scans and ultrasounds

 

 

Prescribed nutritional supplements, therapeutic diets and medications 

 

 

Prescribed holistic, alternative and preventive care 

   

No waiting period for cruciate ligament, orthopedic and bilateral knee injury attention


What's Not Covered?

Nationwide's coverage is one of the most comprehensive in the marketplace. However, there are of course standard things that are not covered.

Nationwide will not cover congenital, hereditary or chronic conditions that were pre-existing to issuance of the policy. Also taxes, grooming, boarding, storage, transport and waste disposal are not covered.


Customer service

Nationwide is accessible by phone at the following times: 

Mon - Fri:  8:00 am - 10:00 pm EST
Sat:  10:00 am - 6:30 pm EST

Beyond this, every policyholder gets free 24/7 support and guidance from "vethelpline"

Additionally the company has a online customer knowledge base and contact form.

Nationwide Pet Insurance-Conclusion

Nationwide's Whole Pet with Wellness plan is comprehensive and simple and straightforward to use. You just submit your claim and receive 90% back, period. Also, as far as we can tell, Nationwide is the only pet insurance to offer wellness and preventative care in it's standard plans. There is no per incidence limit and no annual benefit limit. This makes it one of the most complete plans out there as it basically covers your pet for virtually any eventuality under the sun. Accident, illness, surgery, physical exams, vaccines, you could even get doggy acupuncture if you want. 

The company's other two plans, Wellness and Major Medical reimburse according to a benefit schedule, which caps reimbursement at a set amount for each condition or service. With these plans you are not going to get the freedom you get with Whole Pet but both are relatively inexpensive. If your intention is to safeguard your pet against illness or injury and nothing more, Major Medical is a good bet for your money. If you simply want to make sure your pet is covered for normal preventative care and annual checkups, Pet Wellness is an excellent choice for the money.

Nationwide is also very flexible in the types of pets they'll cover, offering plans for most birds and a vast array of exotic pets. This is uncommon as most pet insurers typically focus on cats and dogs. 

Latest Reviews

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Nationwide Pet Insurance
A
Alayna DeSalvo-Leyndyke
Gainesville, Florida
Nationwide Pet Insurance review
12/3/2016
So happy we purchased insurance for our English Bulldog puppy. Nationwide's claims forms are so easy to use and when our puppy was sick we received an email following up on how he's doing. How nice is that! We receive our claims checks in the mail very quickly and each time I've called with questions, customer service has been very helpful & friendly answering questions diligently. Would highly recommend Nationwide Pet Insurance for any pet owner.

C
Claudette Brown
Nationwide Pet Insurance review
12/2/2016
I cannot begin to express my gratitude to Nationwide... they have been professional, friendly and have allowed me to give the care to my boy he so desperately needed... when you rescue... you really are not sure of the pedigree.. and I can tell you nationwide has been a blessing 🐾🙏

J
[email protected]
Fort Smith, Arkansas
Nationwide Pet Insurance review
11/29/2016
I have been with this company for 10yrs. I am afraid to cancel the policy in the event something happened and they actually would cover it. My experiences have been very subpar. They have only paid out a couple small claims and claim everything else is uncovered. This has cost me over $5000 over 10 yrs to see no benefit.

A
Anne
Washington, District of Columbia
Nationwide Pet Insurance review
11/29/2016
i had no coverage on a full plan. Do not recommend Nationwide pet insurance.

Lindsay Greco
Rogersville, Missouri
Nationwide Pet Insurance review
11/25/2016
Nationwide has been great for our pet insurance. Submitting claims online is super easy. They process them very quickly and send payment quickly as well. We haven't had any issues and I'm very grateful for the coverage.