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Nationwide Pet Insurance Review

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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.
 
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How is Nationwide rated?

Breakdown

5.0/5
Coverage
3.0/5
Cost
4.0/5
Extras

Overall Rating: 4.3 / 5 (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 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 besides Whole Pet with Wellness operate on a benefit schedule.

Nationwide Coverage

Coverage - 5 / 5

Nationwide's Whole Pet with Wellness plan is a great option for a complete pet insurance plan.

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 recently released a more inexpensive Whole Pet plan without the wellness component.

This plan has many of the same characteristics of Whole Pet with Wellness, operates on a percentage reimbursement basis, but is subject to different annual caps.

It is interesting to note that 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
Dogs
Cats
Birds
Exotic Animals
Coverage Types
Medical
Wellness
Vet Selection
Unrestricted
Out-of-State Coverage
Yes
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 - 5 / 5

Both Nationwide models -- Whole Pet with 90% reimbursement, and all other plans with a benefit schedule -- offer unlimited annual maximums. The new Whole Pet plan without wellness, though, is subject to a $10,000 annual cap.

Additionally, you must remember that any plan but the Whole Pets are 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.
Benefit Limit Types
Unlimited

Reimbursement & Deductibles

Reimbursement - 5 / 5

Nationwide's top tier Whole Pet with Wellness, as well as the new Whole Pet (alone) plan, both reimburse 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
90%
Maximum Percent Reimbursement
90%

Deductibles - 5 / 5

Nationwide Whole Pet with Wellness offers one annual deductible of $100.

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.

The new Whole Pet without the wellness component, as well as the Major Medical plan, both have annual deductibles set at $250.
Deductible Type
Annual
Minimum Deductible Offered
$100
Maximum Deductible Offered
$250

Pricing: How much does Nationwide cost?

Cost - 3 / 5

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

Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$34.25
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$18.84
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 - 3 / 5

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

Extras - 4 / 5

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
14 days
Claim Form
Mail
Email
Fax

Contact & Additional Information

Homepage URL
https://www.petinsurance.com/
Headquarters Address
One Nationwide Plaza, Columbus, OH, 43215
Mailing Address
P.O. Box 2344, Brea, CA, 92822
Year Founded
1981
What We’re Hearing From Our Readers
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Customer Comments

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N
Natalia

7/28/2017
Quick and easy reimbursement process.
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Lorri

7/28/2017
Love the insurance! The customer service is great in helping with your account questions and claims. They have quick claim responses and reimbursements. They even check up on your pets when they are not feeling good.
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Luisa N

7/27/2017
Really nice service, thanks
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Barbara H

7/27/2017
We got a labradoodle puppy, Bella, in March of 2017 and she has had several bouts with stomach issues, and Nationwide was so helpful as to when to take her into vet etc. They also pay for well checks and that is helpful especially with a new puppy. Nationwide has called to check up on Bella after incidents and when I send the billings in to them, they pay right away. I am so glad that we got the Pet Insurance from Nationwide and would recommend them to anyone that has a dog. You never know when something will happen, and you need to have it covered as the expense is greater than you expected or can afford at the time. Thank you Nationwide Pet Insurance, I'm glad we have you..
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Taina M

7/27/2017
I'm very happy with the choice that I made to get insurance for Major. One of the best decisions I've made. I tell all my friends about Nationwide. Thank you
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G
Gracie

7/27/2017
nationwide was recommended by our long time vet (anaheim hills pet clinic) we had a new puppy and even though we had been happy with our other pet insurance, we decided to go with our vets recommendation. Nationwide has done exactly what they claim. Our pup in now 7 months old, had all her shots, one little hic-up, and finally got her spayed. Now she should be good to go. After $ 250.00 deductible, Nationwide has covered everything at 90% off just as promised. Being in the dog world, I have heard a lot of bad things about Nationwide Pet Insurance. However I am glad I listened to my vet. Nationwide should contact Dr. Bogan at Anaheim Hills Pet Clinic to thank her for... Read More
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L
LoloCup

7/27/2017
I cannot speak highly enough of Nationwide Pet Insurance. I chose the Whole Pet Policy with a $250 annual deductible for our English Bulldog puppy as soon as she was old enough to be insured. This policy covers everything that could possibly happen to your pet and has been a lifesaver for our family and our puppy. Our puppy had a rough and very costly first six months of life and I assumed we would be canceled (or at least experience a significant rate increase when the policy ran its term) but we were not canceled and our premium remained unchanged. I recommend Nationwide to everyone I know who has a pet because I cannot imagine what our lives would have been like last year without this... Read More
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Amy F

7/27/2017
We have had VPI pet insurance for both our dogs for the last 7 years, it has been there to help us afford costly surgeries to repair both Kierra & Gia's Acl's and when Gia's slipped disk in her back flares up. Non of these were things we anticipated when we brought our fur kiddos home, we are able to give them both the best care because we purchased insurance for them!
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F
Fourbram

7/27/2017
Hoping I would never have to use it I purchased pet insurance from Nationwide. Sadly my dog needed surgery. Nationwide was there for me when I needed them. My insurance check came promptly. Can't recommend them more highly. They brought me the peace of mind I needed while I was worried about my furry child. Thank you, Nationwide.
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K
Karen

7/27/2017
One of the best decisions that we made when we got our new Golden Retriever pup last year was choosing Nationwide for pet insurance! Our veterinarian's office submits the claims for us and within a few days we have a response that the claim is being processed and not long after, another stating our check is on its way! It's such an easy process! You also receive a discount if you pay your annual premium up front and if you have Nationwide for your other insurance; you're compensated for that as well! As a pup, Amber had recurrent urinary tract infections and still has an issue with an occasional one. On a Sunday morning not too long ago, she started exhibiting symptoms and instead of... Read More
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