Nationwide | Pet Insurance Review

4.8

out of 5

Number of reviews 24,776

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.
2

out of 5

VETERINARIAN: Deerwood Animal Hospital

POSTED: | BY: Carey

Nationwide Pet Insurance disappoints when with rates of reimbursement and limitations for specific diagnosis

When it comes down to it and your pet is diagnosed with cancer you hope to have coverage for adequate diagnosis and treatment The benefit reimbursement for this insurance is very low and completely out of touch with the current market. It did not even fully cover the cost of a biopsy and CT scan and I was out of benefits for cancer until my next benefit year. Needless to say my dog will likely not live to see the next benefit year commence. Only their top tier policy may be worth while. None of my pets qualified to upgrade to that policy when it was introduced as they had pre-existing conditions meaning claims had already been filed . This company was VPI years ago and was wonderful. Nationwide took over and it’s awful.
5

out of 5

VETERINARIAN: Perrin-410 Animal Hospital (Closed March 31, 2023)

POSTED: | BY: Virginia

Exceptional Insurance -- Nationwide

I have the Nationwide policy that pays 90% on all claims. They do not pay for grooming, etc. But all health related items are paid at 90%. They do not charge based on claims but age. I had policy with Nationwide prior to this one that pays 90% and they still have it (I believe) and pays a lower percentage -- same service and claim rating as insurance I now have.
2

out of 5

POSTED: | BY: Cindy Schwinn

I had nationwide for years and as the…

I had nationwide for years and as the animals got older the premium went up. Ok that’s kinda normal but the denied every claim. I paid 10 of thousand dollars to insure 5 pets. I canceled today after another run around re: another claim. There are other better insurance policies with other companies
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1

out of 5

POSTED: | BY: Nick

Terrible insurance, total scam!

Terrible insurance for your pet. I bought 2 policies when I got 2 puppies. My coworker told me great things about their policies. What really sold me initially was the wellness coverage. What a mistake I made listening to him. The 1st thing is the wellness only covers vaccinations, flea, and heartworm once. After that you will be lucky to get a dime let alone an explanation as to why they don't cover basic vaccines. Recently submitted a $600 plus vet bill for annual vaccines and checkup. Only received $70...yup you read that right. The premiums cost more than the reimbursement. My renewal came in March and somehow a vet bill from April has already met my yearly reimbursement evethough they paid almost nothing out. Really shady insurance company. Don't buy anything from them.
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1

out of 5

POSTED: | BY: Scott Motter

If you don't like the first answer just call back and you can get a different one.

35 minutes on hold while 2 of them scrambled to come up with a reason my claim was closed with no communication. They finally said well there is a gap in the medical records that is why? What!! 6 weeks she didn't go to the vet during this time so now they want me to fill out another form saying there was no treatment. I just sent you her entire medical records but thats not good enough they want me to lie on a form. I called back and got a completely different answer. Very frustrated!! Now they say don't believe the web site the claim is on hold pending review don't send the forms we told you to submit 10 minutes ago. Not impressed so far. What is my time worth?
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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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