Nationwide | Pet Insurance Review

4.8

out of 5

Number of reviews 25,561

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

Overall all good

Overall all good. Kevin was great.
5

out of 5

POSTED: | BY: Kate S.

Benefit Transparency

The benefits for each tier were clear and easy to understand, especially with the examples for each section (accident, illness, etc). The difference in price listed up front was also very helpful. I am very clear on what the policy covers, what it doesn't, and to what extent I will have to pay (deductible plus 50% of covered services).
4

out of 5

POSTED: | BY: Amber Pierce

Cat Breed question on application

I don't know what breed my cat is, so there should have been an option for Unknown or Other, and/or picture examples as a guide to help determine what it might be. Plus, it doesn't tell us how important it is that we are fully accurate with the answer.
5

out of 5

POSTED: | BY: JaneAndOphi

Easy Solve for Pet Care

ease of use and ease of understanding the plans
1

out of 5

POSTED: | BY: Stephanie Rivera

Do your research before committing, rates and coverage change dramatically over time!

I've been a Nationwide pet insurance customer for over 5 years. When I enrolled, my monthly premium was around $50 and my reimbursement rate was 90%. Today I pay nearly $300/month, my reimbursement rate was reduced to 80%, and my coverage limits have been lowered, despite never filing claims for the first several years. As soon as I began filing claims, my costs increased significantly while my benefits decreased. Now that she is older and has pre-existing conditions, switching insurers isn't a realistic option, which means I'm essentially locked in. I also want to flag that there is a pending class action lawsuit against Nationwide pet insurance that prospective customers should research before enrolling. I believe the policy restructuring I experienced may be connected to that litigation. One more note: if you look at recent reviews here, many were posted within a short window and focus heavily on individual customer service reps by name, suggesting they may originate from post-call surveys rather than organic reviews. I'd encourage readers to look at long-term customer experiences, not just recent ratings. I'm not writing this out of frustration alone. I'm writing it so other pet owners can make an informed decision early, before their pet is uninsurable elsewhere.

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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