Nationwide | Pet Insurance Review

4.8

out of 5

Number of reviews 25,582

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.
3

out of 5

POSTED: | BY: Elizabeth

Overall ok but claims process can be difficult if additional documentation is required

My experience with Nationwide has been mixed. WIth my prior cat, I had to provide alot of addiitonal documentation and claims were still rejected. The annual caps for coverage when a pet has a chronic illness made no sense to me. For example, my cat had congestive heart failure, and after basically one or two follow-up appointments, the insurance was capped out for any additional xrays or even her medication. The coverage for continued care needs is poor, given the premiums paid. The coverage is fine for one-time medical needs or annual maintenance exams.
1

out of 5

POSTED: | BY: Karen

Abhorrent

My 16 year old champion died in 2018. I could barely talk about it for months. I realized that in my sorrow I hadn't notified Nationwide. I was asked to send info as to his euthanasia. I did, then kept getting billed through my work for coverage. Again I called and the agent said I would get back the payments that had been deducted from my wages. No response in 2nd month, so I,called again having to relive Cobys death. This agent explained that I OWED money and I would not be getting monthly payments back. I can guarantee this true story will NOT get published. An abhorrent experience.
5

out of 5

POSTED: | BY: Marva

Most comprehensive I've found yet.

I have used Nationwide for both pets and vehicles. The claim process for my pets has been quick and easily understood. I have greatly appreciated this company over the years.
5

out of 5

POSTED: | BY: Jeanie

Love that routine meds and checkups are covered!!

I really appreciate that Nationwide also covers routine exams and medications such as flea and heartworm treatments. It all adds up!! Thank you.
5

out of 5

POSTED: | BY: Jane

The claim process is ridiculously easy.

I am usually very skeptical but we rescued a deaf dog and I was worried about health issues. Our daughter pushed us to get insurance and I’m glad I did. I have taken her to alternative vets who I believe have helped luna’s overall health immensely.
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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.
Nationwide Pet Insurance detail
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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