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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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A
Ana

6/28/2017
My dog had ACL surgery with metal plate etc. and subsequently, laser therapy, hydrotherapy and shockwaves therapy because the bone wasn't healing. Of the over $10,000 I paid, the plan covered about $2,000 because they limit how much they pay per procedure and all affiliated costs. I actually got a check for .18 cents for one of her $130 therapy sessions. Insulting.
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A
andrea t

6/28/2017
Lexington is only four years old and has autoimmuned disease'she underwent several surgeries and is multiple medications. she is still needs to see the vet every two weeks to monitor her blood count and liver function tests.the cost is phenomenal. nationwide pet insurance has been a great help for reimbursement I highly recommend for all pet especially pedigree.
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Enrique F

6/28/2017
Our pup cracked one of her molars and we took her in to our vet the next day. Nationwide Pet Insurance covered most of the cost, and our pup is now back to normal. Thank you Nationwide for covering most of the cost. Having Nationwide Pet Insurance gives us peace of mind knowing that our pup is covered with a really great pet insurance. Cheers, Enrique
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M
Mary

6/28/2017
I have only been with Nationwide Pet Insurance for a few months but in those few months I have had only positive experiences. Customer service is excellent, they are very professional and helpful. I will recommend Nationwide Pet insurance to all my friend.
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D
D

6/28/2017
Every experience with Nationwide has been professional and the staff is courteous and knowledgeable I do tell everyone about you when I can but some people just don't understand how important it is to have let insurance
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V
Vivian C

6/28/2017
I am very pleased with Nationwide. I submit my claim online and they even checked to see how my Aspen was doing after her injury. What pet insurance does that??! Nationwide does! Fantastic Service. Thank you!
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P
Peter S

6/28/2017
Our guy was walking with my wife when he began yelping and limping. While we thought that he might have stepped on glass or some other puncturing price of trash and it being late Friday afternoon when out vent would be closed, we took him to MedPace Emergency Vet Services in Madisonville. They were more than welcoming and yet professional. We saw the doctor shortly after we arrived and mutually agreed that he had stepped on a bee. We and Watson were more than pleased with the service and he made a full recovery within several hours. We're all really pleased to have a well staffed and efficient service available to us 24/7 at such a reasonable fee.
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A
Amanda W

6/28/2017
I have only had pet insurance since April 2017 and I am happy with it thus far. Nationwide makes is easy to send in claims and they are fairly quick with refunding you. If I know of anyone that needed pet insurance, I would recommend Nationwide.
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Teresa T

6/28/2017
You did not cover my claim because you said it was for a pre-existing condition. She DOES NOT have Pre-existing condition & I am sending you proof that she does not! I pay my premiums faithfully & expect the same when I send a claim.
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J
Jamie K

6/28/2017
I am so pleased that I chose Nationwide Pet Ins. they have been AMAZING!! I love the follow up emails checking on our puppy visits to the vet - feels personal and appreciated! The claims are also processed so quickly and efficiently !! Thank you Nationwide for outstanding service to my pup and my family!!
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