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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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K
Kristin

7/13/2017
My sweet Peter had intestinal upset with bloat. He ended up eating a ton of grass that required a 3 day stay at the vet. I submitted my claim forms via email and a couple weeks later I was reimbursed for the bill less my deductible. Nationwide has been great in covering my dog's unexpected medical expenses. The only thing I would change is their website. Presently, it is hard to maneuver through their website and you cannot submit claims directly through the site. Otherwise, I have been a happy customer for about 5 years.
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Lauren

7/13/2017
I've had Nationwide since we adopted our little cutie pie. So far, it's been a great experience! I paid through my out of pocket deductible and since then, we've had 2 office visits where I received a check back. They cover so much of the expense and the check reimbursement happens very quickly too! It's well worth it especially with a new puppy who is exploring all too often with his mouth haha
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M
Maria

7/12/2017
my husband and I have been very pleased with Nationwide insurance. Your company is quick and efficient in reviewing Penny's medical claims when Penny sees her vet. I also like the fact that Nationwide Insurance sends me notifications when they have received Penny's claims from her vet.; and that I am able to log into Nationwide insurance and see that her claim is being reviewed and processed. I cannot understand why more people don't sign up with Nationwide insurance since it has saved us a lot of money on medical expenses. Thank you
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S
sshammah

7/12/2017
We have had this health insurance since MAX and Spencer were just pups adopted from the pound. They are now 6 years old, and has had insurance their whole life and in turn has had all the proper shots and medical attention any animal would need. They both love their doctor and have no issues going whenever they feel sick. They are quick to let us know when a Doctor visit is required. We love the fact that we are insured as it allows us the ability and security to treat our Babies to any medical attention they could possible need without hesitation. It is a great security and comfort to have this protection especially with Nationwide and how quickly you are reimbursed for the charges. It... Read More
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Lauren A

7/12/2017
The claims process is always fast and easy.
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S
susan f

7/12/2017
I am really impressed by the service you provide everything is so quick and easy thank you so much for all your concerns he is doing fine now.
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C
cfarrow121

7/12/2017
I am currently extremely pleased with the service provided by Nationwide. Response to claims has been very timely. The courtesy and knowledge of the representatives have been more than satisfactory. I would definitely recommend Nationwise to other pet lovers. Catherine F.
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Elizabeth D

7/12/2017
I had to bring my dog Honey to the vet for an allergic reaction. I received an email from Nationwide checking in on Honey. I thought that was wonderful and shows they really do care about my pets.
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Barbara A

7/12/2017
You guys are so great at taking care of Winston. I don't know what we would do without you and your assistance in his care and wellness.
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Adria O

7/12/2017
Amazing! My pup had some issues and needed bladder stone surgery. :-( Naitonwide confirmed receipt of all paperwork and reimbursed for most of the cost thankfully! Turn around time wasn't bad either.
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