Nationwide
4.8

out of 5

Nationwide Pet Insurance for Dog & Cat

Updated: November 13, 2023

Nationwide Pet Insurance offers accident and illness coverage for dogs and cats in the United States. They are one of the largest pet insurance companies in the country, with over 1 million policyholders.

Nationwide Pet Insurance Details

    • Why Our Users Picked It:

      Users appreciate the effortless claim process and timely refunds in as little as 24-48 hours. Comprehensive coverage with up to 90% of bills covered has also been highlighted by many.

      Pros & Cons:

      • Simple claim process
      • Quick payment in as little as 24 - 48 hours
      • Comprehensive coverage
      • High reimbursement rates
      • Coverage for dental cleanings
      • 12-month waiting period for coverage of cruciate ligaments or meniscus (knee) injuries
      • Lack of flexibility in choosing premiums and deductibles

      Plan Limits

      • Per Condition Limit Unlimited
      • Lifetime Limit Unlimited
      • Deductible Type Annual
      • Direct Pay

      What is Covered?

      • Accident and Injury Unlimited
      • Hospitalization Unlimited
      • Rehabilitation Unlimited
      • Continual Care Unlimited
      • Emergency Visits Unlimited
      • Surgery Unlimited
      • Dental Trauma Unlimited
      • Foreign Object Ingestion Unlimited
      • Congenital or Hereditary Conditions Unlimited
      • Cancer Treatments Unlimited
      • Dietary Supplements Unlimited - if prescribed by veterinarian to treat a condition
      • End of Life: Burial and Cremation Unlimited
      • Illness Unlimited
      • Specialists Unlimited
      • Prosthetics Unlimited - if prescribed by veterinarian to treat a condition
      • End of Life: Euthanasia Unlimited
      • Prescription Drugs Unlimited
      • Outpatient Care Unlimited
      • Bilateral Conditions Unlimited - conditions affecting both sides of the body
      • Travel Coverage Unlimited - medical coverage only while travelling away from home. Cancellation of trip due to pet's illness is not covered
      • Vet Exam Fees Unlimited
      • Medical Imaging Unlimited
      • Organ Transplants Unlimited
      • Wellness Cover Unlimited
      • Lab Tests Unlimited
      • Behavioral Treatments Unlimited - if prescribed by veterinarian to treat a condition

      Plan Summary

      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.

    Most popular State insured by Nationwide Pet Insurance

    Here are the top 10 State covered by Nationwide insurance.

    STATE / PROVINCE % of user
    California 14.38 %
    New York 9.27 %
    Illinois 7.35 %
    Massachusetts 6.39 %
    Pennsylvania 6.07 %
    North Carolina 5.11 %
    Florida 3.83 %
    Indiana 3.51 %
    Washington 3.19 %
    Connecticut 2.88 %
    Data source date 60 days, based on user selected percentage
    Get a Quote & Compare

    Compare With Other Top Pet Insurance Providers 2024

    • Users appreciate the efficiency of claims processing and prompt reimbursement. They also love the great customer service Embrace offers.
    • Many users have said how much they appreciate the simplicity and user-friendly nature of the Healthy Paws app and website for submitting claims. Users also praise the quick turnaround time for claim review and reimbursement, with some receiving payments within 48 hours.
    • Users appreciate that Fetch offers up to 90% reimbursement rates. Some have also expressed the ease of submitting claims, with some saying they submitted claims in the vet’s office from their phone within minutes.
    • Quite a few users have mentioned that Lemonade offers some of the most affordable policies in the market. Many also appreciate that coverage is extensive and covers a wide range of medical conditions and procedures.
    • Many of our users stated they found Trupanion’s customer service to be exceptional. Responses are prompt and helpful. In addition, many find the claims process to be simple, efficient and user-friendly.
    • Users appreciate that ASPCA offers comprehensive coverage that includes emergency services as well as preventative care. Many have also highlighted ASPCA’s helpful and responsive customer service representatives.
    • Our users raved about MetLife’s exceptional customer service and the fact the company offers comprehensive coverage that supports both preventative and emergency care. And users also appreciate MetLife’s competitive pricing.
    • Our users appreciate that Hartville offers flexible coverage options as far as policy limits, deductibles and reimbursement rates. This puts them in the driver’s seat and allows them to choose a policy they can comfortably afford.
    • Users have raved about the awesome customer service this provider offers. Some have also highlighted quick turnaround time for payments once a claim has been submitted.
    • Many users have praised Spot for their quick and hassle-free claim process. They also mention how quickly they are reimbursed in most cases and that customer service is both kind and helpful.
    • Users rave about how easy it is to submit a claim and receive updates on it. Many have also said how much they appreciate how fast reimbursements are. The company has also been highly praised for its transparent coverage policies and clear communication.
    • Some reviewers have praised AKC for offering an easy claims submission process. Others have said how much they appreciate the great customer service and that payments are generally made within days of making a claim.
    • Reviewers appreciate that Figo offers Wellness coverage for preventative care. Many also mentioned the claims process was hassle-free.
    • Reviewers highlighted how wonderful customer service is. Not just responsive and knowledgeable but also really compassionate during times of stress and worry. One person even mentioned how the company sent flowers after her pet had to be euthanized.
    • Users love the great customer service offered by Many Pets and the fact that they offer competitive pricing. Many Pets will also reduce the accident and illness waiting period to 24 hours if you are switching from another insurance provider.

    Select up to 3 providers to compare

    Nationwide Pet Insurance FAQ?

    • Does Nationwide pet insurance have a specific waiting period before I can use my policy?

      Yes, Nationwide has a 14-day waiting period before their Accident & Illness policy can be used.

    • Does Nationwide cover costs of prescription dog food?

      Yes. Under certain plans prescription dog food is covered.

    • What is Nationwide pet insurance cancellation policy?

      Yes, Nationwide allows you to cancel your policy at any time. They also offer a 100% money-back guarantee if you cancel your policy within 10 days from when it went into effect.

    • How long does it take Nationwide to review claims?

      According to Nationwide’s website, they can typically review and pay claims within a 5-day period from when they receive all necessary claim information. Nationwide also has an online portal where you can continually track the status of your claim.

    Get a quote today

    Leave a review