Nationwide | Pet Insurance Review

4.8

out of 5

Number of reviews 21,417

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

Melody was amazing

Melody was amazing! Answered all my questions. She was friendly, professional and very patient with me! The best!
1

out of 5

POSTED: | BY: Anonymous

DO NOT EVER GET THIS INSURANCE THE…

DO NOT EVER GET THIS INSURANCE THE ABSOLUTE WORSE! HAD SUCH A HORRIBLE EXPERIENCE. APPLIED FOR PET INSURANCE MAR 3 AND THEY CLAIMED IT WAS "APPROVED" BUT THEN SENT AN EMAIL SAYING MEDICAL REVIEWERS NEED TO REVIEW HIS BARE MINIMUM HEALTH HISTORY (HEALTHY DOG) AND THAT COVERAGE HASNT STARTED TOOK THEM 2-3 WEEKS BEFORE STARTING COVERAGE SO COULDNT GET 1 OF HIS HEALTHY APPTS COVERED. THEN ONCE THEY ACCEPTED IT NOTHING WAS SENT OUT. TRIED TO CREATE AND ACCESS AN ONLINE WEB PORTAL AND COULD NOT AGTER MULTIPLE ATTEMPTS. AT THE TIME I COULDNT LOCATE A PHONE NUMBER OR CONTACT US FORM AND WAS IN THE PROCESS OF MOVING. NEVER COULD FILE A CLAIM OR ACCESS ANYTHING. THEY HAVE KNOWN PROBLEMS CREATING ONLINE ACCESS WHICH I FEEL LIKE THEY DO INTENTIONALLY. ALL THE WHILE I PAID A DEPOSIT AND WAS GETTING MONEY TAKEN OUT FOR 3 MONTHS. I finally contacted my bank to stop payments because I couldn't figure out how to terminate the insurance. I asked for a refund because they stated if the insurance hasn't been used then you may be able to be refunded they switched it to say Marylands says you only have 10 days from "approval" which doesn't make sense because coverage doesn't start until 14+ days later. I was with Pet Embrace for 3 years and never had 1 issue like this. Their customer service was absolutely rude and said "well I pay auto insurance and I'm never credited back even though I'm not in accident" which is not the same type of situation. You get pet insurance to cover their wellness expenses it's more of a form of Healthcare than it is for a car. Save yourself the time DO NOT sign up for their Insurance go someplace else. Their coverage isn't even that great to begin with. If the pet insurance is this bad I can't imagine how any of their other insurance is.
5

out of 5

POSTED: | BY: Michael C

I trust Nationwide Pet Insurance :-}

I trust Nationwide to help me keep my beloved Yorkie puppy healthy. I've used Nationwide for my pet's insurance for over a year and a half and recently decided to upgrade the coverage because of what a great experience I've had with them since I started the plan. Thank you Nationwide from my puppy and I :-}
5

out of 5

POSTED: | BY: Elaine Flandez Nguyen

Ken at extension #6217 was awesome!

Ken at extension #6217 was awesome! Ken was very nice calm and very patient over our phone conversations. I brought my pet’s insurance today, 8/28/2025. I’m so glad my daughter has referral Nationwide to me. Thank you, Ken for all your help!
1

out of 5

POSTED: | BY: Mommy Dearest

new policy billing

i was reading that both my cats would be billed toghter. then when i looked at the two emails i got they said billed seperatly? so what is it?

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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