Nationwide | Pet Insurance Review

4.8

out of 5

Number of reviews 24,771

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. Learn more about Nationwide’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
5

out of 5

POSTED: | BY: Ms Cat Perkins

The Customer Service

The Customer Service
5

out of 5

POSTED: | BY: Extension

I was worried about my baby parakeet…

I was worried about my baby parakeet and the representative help me to get the health insurance that I need
5

out of 5

POSTED: | BY: Debbie

Helpful and easy to sign up

Yaz my agent explained the plan and helped me chose the correct one for my rabbit.
1

out of 5

POSTED: | BY: Cam

Avoid

I paid premiums to Nationwide Pet Insurance for eight years straight. No missed payments, no claims abuse, nothing. Then my credit card expired and the payments stopped. Instead of contacting me by email, phone, or any modern method, Nationwide claims they sent snail mail. I never received it — and yes, there was a move involved, which makes their reliance on physical mail even more absurd. Now the punchline: because of this technical lapse, my pet is suddenly “too old” to qualify for illness coverage, and Nationwide refuses to reinstate the policy, even after I offered to pay all missed premiums in full. So after nearly a decade of loyalty and thousands of dollars in premiums, Nationwide’s position is basically: “Thanks for the money, but one administrative hiccup and you’re out forever.” To make it worse, I have another pet still insured with Nationwide — on a different payment method — and that policy remains active. The only difference between my two pets is a billing technicality. That tells you everything about how this company operates. This is not insurance. This is a trapdoor business model: happily take your money for years, then use a paperwork technicality to permanently drop coverage right when your pet is most likely to need it. I’ll be canceling my remaining policy and taking my business elsewhere. If you’re considering Nationwide, understand this clearly: your coverage is only as real as their willingness to keep you enrolled, and they have zero interest in doing that once your pet becomes higher risk. Eight years of premiums bought me nothing but a lesson. Avoid this company.
5

out of 5

POSTED: | BY: Patty K

Ken was very professional

Ken was very professional, patient in answering my questions and very knowledgeable! Will definitely recommend this insurance to friends and family.

Monthly Cost

Policies start at approximately $12 per month.

Coverage

Nationwide offers a variety of plans offering varying levels of coverage. The company’s most popular plan, Whole Pet with Wellness, offers 90% reimbursement for accident, injury, illness and wellness care, inclusive of exam fees. All Nationwide members have complimentary 24/7 access to vethelpline.

Payout Limits

Depending on the plan selected, there may be annual benefit limits or per incident benefit allowances. There is no annual limit for the company’s most popular plan, Whole Pet with Wellness.

Deductible

Annual deductibles range from $0 to $1,000. Most popular annual deductible for Whole Pet with Wellness is $250.

Age Limits

No age restriction to enroll in company’s most popular plan, Whole Pet with Wellness. Other plans may have age restrictions.

Waiting Period

14-day waiting period after application approved and payment of premium is received.

Exclusions

Pre-existing conditions are not covered on any plans (if a condition is curable, it may be eligible for review if pet remains treatment-free for at least six months). Whole Pet with Wellness covers nearly all veterinary expenses. Notable exclusions include boarding and grooming.
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.

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