Nationwide
4.8

out of 5

Nationwide Pet Insurance for Dog & Cat

Updated: April 17, 2025

Nationwide Pet Insurance offers accident and illness coverage for dogs and cats in the United States. They are one of the largest pet insurance companies in the country, with over 1 million policyholders.

Nationwide Pet Insurance Details

    • More: Nationwide Pet Insurance Reviews

      Why Our Users Picked It:

      Users appreciate the effortless claim process and timely refunds in as little as 24-48 hours. Comprehensive coverage with up to 90% of bills covered has also been highlighted by many.

      Pros & Cons:

      • Simple claim process
      • Quick payment in as little as 24 - 48 hours
      • Comprehensive coverage
      • High reimbursement rates
      • Coverage for dental cleanings
      • 12-month waiting period for coverage of cruciate ligaments or meniscus (knee) injuries
      • Lack of flexibility in choosing premiums and deductibles

      Plan Limits

      • Per Condition Limit Unlimited
      • Lifetime Limit Unlimited
      • Deductible Type Annual
      • Direct Pay

      What is Covered?

      • Accident and Injury Unlimited
      • Hospitalization Unlimited
      • Rehabilitation Unlimited
      • Continual Care Unlimited
      • Emergency Visits Unlimited
      • Surgery Unlimited
      • Dental Trauma Unlimited
      • Foreign Object Ingestion Unlimited
      • Congenital or Hereditary Conditions Unlimited
      • Cancer Treatments Unlimited
      • Dietary Supplements Unlimited - if prescribed by veterinarian to treat a condition
      • End of Life: Burial and Cremation Unlimited
      • Illness Unlimited
      • Specialists Unlimited
      • Prosthetics Unlimited - if prescribed by veterinarian to treat a condition
      • End of Life: Euthanasia Unlimited
      • Prescription Drugs Unlimited
      • Outpatient Care Unlimited
      • Bilateral Conditions Unlimited - conditions affecting both sides of the body
      • Travel Coverage Unlimited - medical coverage only while travelling away from home. Cancellation of trip due to pet's illness is not covered
      • Vet Exam Fees Unlimited
      • Medical Imaging Unlimited
      • Organ Transplants Unlimited
      • Wellness Cover Unlimited
      • Lab Tests Unlimited
      • Behavioral Treatments Unlimited - if prescribed by veterinarian to treat a condition

      Plan Summary

      Since 1982, Nationwide has helped pet owners protect what matters most. As the largest provider of pet health insurance in the U.S., Nationwide currently insures over 600,000 dogs, cats, birds and exotic pets for medical conditions related to illnesses, injuries accidents and wellness care. In 2015, it introduced Whole Pet with Wellness, the only U.S. pet health insurance plan offering complete coverage for injuries, accidents, illnesses and wellness care. Policies range from nose-to-tail coverage to routine pet care plans that offer reimbursement for wellness exams and preventive treatments.

    Most popular State insured by Nationwide Pet Insurance

    Here are the top 10 State covered by Nationwide insurance.

    STATE / PROVINCE % of user
    California 13.38 %
    New York 9.87 %
    Massachusetts 7.64 %
    Pennsylvania 5.73 %
    New Jersey 4.14 %
    Virginia 3.82 %
    Maryland 3.82 %
    Colorado 3.50 %
    Illinois 3.50 %
    North Carolina 3.50 %
    Data source date 60 days, based on user selected percentage
    Get a Quote & Compare

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    Nationwide Pet Insurance FAQ?

    • Does Nationwide pet insurance have a specific waiting period before I can use my policy?

      Yes, Nationwide has a 14-day waiting period before their Accident & Illness policy can be used.

    • Does Nationwide cover costs of prescription dog food?

      Yes. Under certain plans prescription dog food is covered.

    • What is Nationwide pet insurance cancellation policy?

      Yes, Nationwide allows you to cancel your policy at any time. They also offer a 100% money-back guarantee if you cancel your policy within 10 days from when it went into effect.

    • How long does it take Nationwide to review claims?

      According to Nationwide’s website, they can typically review and pay claims within a 5-day period from when they receive all necessary claim information. Nationwide also has an online portal where you can continually track the status of your claim.

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