Nationwide | Pet Insurance Review

4.8

out of 5

Number of reviews 24,757

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

Daniel was absolutely wonderful to…

Daniel was absolutely wonderful to speak with! He answered all of my questions and provided me with a sense of ease.
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1

out of 5

POSTED: | BY: Clint Moore

Useless money grubbing

Dollars come first before pets
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5

out of 5

POSTED: | BY: June

Alex was professional

Alex was professional, knowledgeable and extremely helpful.
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3

out of 5

POSTED: | BY: Erin

Difficult website usage

Difficult website usage Rep gave too much information too fast Rep just kept talking, hard to get questions answered.
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1

out of 5

POSTED: | BY: M&Z

No longer a great insurance as of 2024

If you are shopping for pet insurance. Be aware of the age of the reviews you are looking at. I have been a Nationwide pet insurance customer for 8+ years, and was always recommending NW because they really helped me take care of my pet through the years, claims were easy, and I had peace of mind if anything ever went wrong. That is all over now, and I wouldn't recommend NW to anyone ever again. AND I am going back to the people I recommended them to to warn them. In 2024, NW raised my premium 3x what I was paying from around $55 to $167 monthly. In 2025, after my dog was diagnosed with a medical condition and I needed insurance more than ever, they dropped my coverage from 90% to 50%, and still are trying to charge the same $167 monthly premium. Now the insurance isn't worth it at the exorbitant premiums they are charging for basically no coverage. I am so disappointed with this company. Everything they "promise" on their website is BS. This is not the best pet insurance, they are not on your side, and they do not offer complete coverage or confidence anymore. For being with nationwide for so long, they have screwed me out of being able to switch insurances because now we have a preexisting condition and my senior dog's needs aren't going to be able to be met. I have been paying for this insurance for 8+ years for the peace of mind, and it wasn't worth it with this coverage drop. Thanks for nothing Nationwide. You should be ashamed of these policy changes.
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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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