Nationwide | Pet Insurance Review

4.8

out of 5

Number of reviews 25,529

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: customer

Elaine was amazing to work with

Elaine was amazing to work with. She’s a true professional and was kind and patient and so thorough in reading through all the coverage and disclosures for the plan I selected. I love our Nationwide coverage for our other dog and knew we needed to get our new puppy covered too!
1

out of 5

POSTED: | BY: Ko Disher

I insured three dogs with Nationwide…

I insured three dogs with Nationwide and had a very disappointing experience overall each and every time. Despite paying monthly premiums for all three pets, I found that all claims—whether for routine care or legitimate medical issues—were either minimally reimbursed or denied entirely. The most recent example was my dog’s ear hematoma, which was denied as being related to a “pre-existing condition” (ear infections/otitis). This was frustrating, especially since it required real treatment and significant out-of-pocket expense. What concerns me most is the pattern across all three dogs. Even for relatively minor visits and check-ups, the reimbursements were so limited that the insurance provided little to no financial benefit. Between deductibles, partial reimbursements, and broad interpretations of “related conditions,” I ended up paying nearly everything myself while still paying monthly premiums. At that point, the policy no longer made financial sense, and I chose to cancel coverage for all three pets. I would strongly encourage others to carefully review how pre-existing and related conditions are defined, as this can significantly impact what is actually covered.
5

out of 5

POSTED: | BY: Rebecca Hott

The quote and writing of the policies…

The quote and writing of the policies were quick and easy process.
5

out of 5

POSTED: | BY: Erica Davis

Very friendly and knowledgeable.

Very friendly and knowledgeable.
5

out of 5

POSTED: | BY: Jackie Howell

Ease of enrollment.

Ease of enrollment.

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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