Nationwide | Pet Insurance Review


out of 5

Number of reviews 21,510

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.6
  • 4.6
  • 4.8
  • Count
  • 10
  • 20
  • 21,510
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.

out of 5

POSTED: | BY: sydney douglas

So thankful for Nationwide and all they do for Stella! She probably wouldn't be here without them.

I had signed Stella up for Nationwide Pet Insurance years ago in large part to cover her future dental work we knew she'd need. Nationwide was the only insurance company at that time that covered dental cleanings and surgery. Little did I know how much more important that insurance plan would be than fixing a rotten tooth. Shortly before her 9th birthday, Stella became very sick over the course of two days and began to struggle with her breathing. We took her to the emergency room where they told us Stella was in congestive heart failure. Because we had Nationwide's coverage I didn't hesitate telling them to do everything they could to save our little girl. She spent the weekend in an oxygen chamber and heavily medicated. She miraculously pulled through and we were referred to see a cardiologist for further treatment. We took Stella to the nearest cardiologist who could see her, which is 1.5 hours away and in a different state, but it was the best decision for her care, and Nationwide didn't hesitate to cover her expenses. In a one month period, Stella's vet bills totaled well over $6,000. Nationwide covered 90% of it. Stella was given an estimated 6 months to a year to live by the emergency center when she was discharged. With the diligent care of her cardiologist and her primary care veterinarians, Stella has now made it to her 11th birthday and her cardiologist says she can now continue to live a happy and healthy life on her medications for more years to come. We wouldn't be able to provide this long term care to Stella and enjoy those extra years without Nationwide. Her medications cost more than $200/month, her bi-annual kidney panels required to stay on her medications are about $100 each, and her annual visit to her cardiologist runs anywhere from $500-$700. Not to mention the added x-rays and blood work necessary at each of her wellness checkups now. But Nationwide continues to cover her life saving and sustaining treatments. We couldn't do it without them and I can't say enough how amazing it is that they make the process so simple and straightforward. It takes the stress out of the finances so we can all just focus on giving Stella the love and care she needs. Many many thanks to Nationwide and all their employees!! Seriously. Thank you!!!!

out of 5

POSTED: | BY: Brenda Kornemann

Life saving

Great company, no claim problems.

out of 5

POSTED: | BY: Candi Levine

Must Have

Pet health insurance is essential. Nationwide covers so much and is is so easy to file a claim. They cover your pet worldwide. The claims are paid in a very timely manner. I highly recommend.

out of 5

POSTED: | BY: Neal Ikeda

Better Life for Doggy Daddy

This is my 5th dog to be insured thru Nationwide, the first that isn't a boxer, a breed that tends to require extra veterinary care. In all cases, knowing that insurance coverage was in force decisions to treat or not to treat was based on what was best for the dog, not how much I would be willing to spend. Having it has made the quality of life better for both dog and human!

out of 5

POSTED: | BY: Josephine Gin

Don't Recommend

Nationwide will find any reason to deny your claim and state your dog has a pre-existing condition. They denied my claim for a puppy I just adopted stating it was a pre-existing condition. I just got the dog! It's impossible.

Monthly Cost

Policies start at approximately $12 per month.


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.


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.


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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