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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 Do We Rate Nationwide?

Breakdown

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

Our 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
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Customer Comments

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Nancy

12/6/2017
I have been with Nationwide using their pet insurance and have always received great service!!
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Shahin K

12/6/2017
It was a rocky start because nothing was getting approved. But then noticed the care provider had a different name for the pet that one Nationwide showed on their records. After some letter writing and communications it was fixed and now all is ok.
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William B

12/6/2017
Claim handled in a very timely manner. thanks so much!
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Mary B

12/6/2017
We have had little issues with insurance. Being able to scan and send on line is fast and efficient. Ted is still under care for infected anal glands but hoping next recheck will show good results!
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Nancy C

12/6/2017
Nationwide Pet Insurance is AMAZING! When I adopted my toy poodle at the age of 3 (her age, not mine), I felt pet insurance was a necessary addition to the care of my dog. She is generally healthy, but there have been times when she has needed urgent care at the vet (like when she ingested a great deal of chocolate!) . To coin a phrase, "Nationwide has been by my side". I am so glad I had the good sense to protect my pet with insurance from Nationwide.
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Kasey

12/6/2017
I've had just an amazing experience so far with Nationwide Pet Insurance. I even had to call because I was unsure of my coverage and the lady was just exceptional. I have a 5 month old Great Dane and I decided to go with the wellness plan and I'm grateful I did. It's a lot of money for those puppy appointments and then he was attacked by another dog and the ordeal was already stressful in itself and Nationwide makes it a less stressful situation. I have nothing but great things to say about them.
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Amy D

12/6/2017
I appreciate Nationwide Pet Insurance. It gives me the peace of mind that I can care for my dogs, who mean the world to me, without fear of breaking the bank. I have had multiple pet emergencies and illnesses with 4 dogs over the 15+ years that I have used your insurance. You have come through every time. Trixie and Charlie were both bitten by a rattlesnake. Trixie suffered from liver disease in her latter years. Charlie had ACL surgery on both hind legs. Ginger didn't loose all of her baby teeth and had to have them pulled, not to mention the cost of spaying. Thank you. I highly recommend you.
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Amy W

12/6/2017
Very prompt reimbursement!
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Megan W

12/6/2017
Dogs need people on their team. Thanks for being on team Parker.
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Kathy Z

12/6/2017
I submitted 2 vet bills and claims were processed for both within 2 weeks. Checks were mailed and received week after. I am so fortunate to have decided on your company for pet insurance. This is the first pet that has had insurance that we have owned. I would not be without it now.
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