Nationwide Pet Insurance Review

Multiple pet insurance options with exotic pet coverage

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Nationwide Pet Insurance

Nationwide Pet Insurance

Investopedia’s Rating

Our Take

Nationwide offers a wide variety of plan options that can help you find the coverage levels that are right for you—especially if you have an exotic pet.

  • Pros & Cons
  • Key Takeaways
  • Company Key Facts
Pros & Cons
  • Comprehensive benefit options

  • Coverage for a variety of family pets

  • Bundling discount available

  • Only one rider option

  • Small reimbursement and annual limit caps

  • Wellness plans aren’t available in all states

Key Takeaways
  • Nationwide has a storied history and has existed since 1926 and began offering pet insurance since 2009.
  • Nationwide received an AM Best rating of A+, which indicates the company is very financially stable. 
  • You can get coverage for care from any licensed vet when you take out a Nationwide pet insurance plan.
Company Key Facts
  • Year Founded 1982
  • Kinds of Plans Injury/illness, wellness
  • Number of Plans 2
  • Payment Plan Options Monthly or annual
  • Customer Service Email, phone; (888) 899-4874
  • Official Website
Nationwide Pet Insurance

Nationwide Pet Insurance

Investopedia’s Rating

Pros Explained

  • Comprehensive benefit options: Nationwide offers accident, accident and illness, and wellness plans so you can find the exact amount of coverage you need for your pet. 
  • Coverage for a variety of family pets: In addition to dogs and cats, Nationwide provides coverage for more exotic pets like birds, turtles, and reptiles. 
  • Bundling discount available: Discounts are available no matter what type of pet you insure—current Nationwide members receive a 5% discount on a new pet health insurance policy, and 10% off when insuring three or more pets.

Cons Explained

  • Only one rider option: The only rider option is a wellness plan, which you can purchase independently or tack on to another plan. 
  • Small reimbursement and annual limit caps: Nationwide only offers reimbursement levels of 50% and 70%, for the Whole Pet plans, which have a $10,000 annual limit (but Major Medical plans have a reimbursement limit of 90%).
  • Wellness plans aren’t available in all states: Even though Nationwide offers two wellness plans, if you’re looking for this type of coverage your location may limit your options.


Nationwide Mutual Insurance Company can meet a lot of different consumer pet insurance needs, especially with pet owners who aren’t just looking for pet and dog coverage. They have plans for pets like turtles, hedgehogs, and potbellied pigs, which most pet insurance companies don’t cover.

Nationwide Pet Health Insurance

Investopedia / Design by Amelia Manley

Company Overview

More than a million pets are currently protected by Nationwide pet insurance. While the Nationwide we know today was founded in 1982, this company has more than a 90-year history that began by providing small mutual auto insurance. In 2009, Nationwide acquired Veterinary Pet Insurance, which was the first pet insurance company in the United States (founded in 1982).

Headquartered in Columbus, Ohio, this Fortune 100 company offers a wide range of insurance products and financial services, which makes it an ideal fit for anyone who likes to bundle their insurance policies. In addition to pet insurance, it offers auto, homeowners, life, and many other types of insurance policies.

While many pet insurance providers only offer coverage for dogs and cats, Nationwide allows you to purchase a policy for many types of animals, including: amphibians, chameleons, chinchillas, ferrets, geckos, gerbils, goats, guinea pigs, hamsters, hedgehogs, iguanas, lizards, mice, opossums, potbelly pigs, rats, rabbits, snakes, sugar gliders, tortoises, and turtles.

Available Plans

Nationwide offers a wide variety of pet insurance plan options; you can pick from an injury plan (known as Major Medical), injury and illness (Whole Pet), and wellness (Wellness). You can receive care from any licensed vet in the world with a Nationwide pet insurance plan.

The following chart outlines the coverage differences between these plans.

Covered Treatment Whole Pet  Major Medical  Wellness 
Live vet chat 24/7
Exams ✓ (wellness exams)
Hereditary conditions  ✓  ✓ (some)  
Chronic conditions  ✓  ✓   
Surgeries and hospitalization  ✓   
Prescriptions  ✓  ✓   
Lab tests, diagnostics  ✓  ✓   
Flea/heartworm prevention and treatment      ✓ 
Behavior exam/treatment      ✓ 
Microchipping      ✓ 

Available Riders/Add-ons

Not sure which plan is right for you? If you want the best of both worlds and as much coverage as possible, you do have the option of adding wellness coverage as a rider to an existing plan.

Nationwide offers two different wellness add-ons, Wellness Basic and Wellness Plus. Each one provides coverage for the same treatments, but the Plus plan has a higher coverage limit.

Wellness plans are not available in all states.

Waiting Periods

Nationwide’s plans have the following waiting periods before coverage begins: 

  • Whole Pet and Major Medical: A 14-day waiting period starts from the time your application is approved and payment is received. 
  • Pet Wellness: Coverage begins after a 14-day waiting period.

Cancellation Policy

If you decide to cancel your Nationwide pet insurance policy, you can do so at any time by notifying the company in writing (by fax or mail) or online at Your policy will be canceled as of the date the cancellation request is received.

If you decide to cancel within 10 days of your policy going into effect, Nationwide has a 100% money-back guarantee as long as you haven’t been reimbursed for any claims yet.

Plan Exclusions

Plan exclusions vary based on the plan you choose.

Whole Pet:

  • Pre-existing conditions
  • Grooming
  • Cruciate ligament problems within the first 12 months of coverage
  • Expenses not directly related to veterinary services
  • Diseases preventable by vaccination
  • Wellness, routine and preventive care
  • Dental cleaning

Major Medical and Wellness:

  • Pre-existing conditions
  • Congenital anomalies and developmental disorders
  • Hereditary disorders
  • Expression of anal glands, anal sacculitis, and removal of anal glands
  • Cruciate ligament problems within the first 12 months of coverage

Pre-Existing Conditions

None of Nationwide’s pet insurance plans cover pre-existing conditions. Nationwide considers a pre-existing condition to be any illness or injury that your pet had before you obtained coverage. 

Not all pre-existing conditions are excluded permanently. If you can prove with medical records that your pet's condition has been cured for at least six months, you may be able to secure coverage.

Plan Pricing

Pet insurance plans through Nationwide vary depending on your pet and coverage of choice, but they start at $35 per month. Nationwide's Whole Pet plan offers reimbursement levels of 50% or 70%, has a $10,000 annual coverage limit, and doesn’t have a lifetime cap on benefits. Major Medical plans come with 90% reimbursement.

You can get a quote online to see what your potential costs might be, but take note that the price of your plan can be influenced by factors like the type of pet you have and your location. With Nationwide the only deductible option is $250.

If you are a current Nationwide member, you can get a 5% discount on a new pet health insurance policy.And big pet families can take advantage of a 10% discount for insuring three or more pets.

The two different wellness add-ons come at varying price points. 

  • Wellness Plus: $17 to $22 per month
  • Wellness Basic: $12 to $18 per month


Nationwide makes it fairly easy to file a pet insurance claim and offers a wide variety of methods to do so. You can submit a claim via desktop or mobile device by logging in to your Nationwide Pet Access Account page at You also have the option to submit a claim by mail, email, or fax.

Most claims are completed within 5 days (as long as you submit all necessary claim information), and Nationwide will alert you by phone or email to confirm the claim has been received and is processing.

If you have a Chase Payments account you can choose to be reimbursed for your claim by direct deposit. If you don’t want to go this route, Nationwide will arrange for an alternative payment method, which will most likely be a paper check.

Customer Service

For customer support of all kinds, from new enrollments to help for members, you can contact Nationwide by phone at (855) 525-1434.

The support line is open during the following hours: 

  • Monday to Friday: 5 a.m. to 7 p.m. PST
  • Saturday: 7 a.m. to 3:30 p.m PST

You can also send an email through Nationwide's online form.

Third-Party Ratings

Nationwide performs well among third-party rating agencies. Nationwide received an A+ rating from AM Best, which indicates the company is very financially stable and likely to pay out its insurance claims. Nationwide has received no complaints about its pet insurance offerings through the Consumer Financial Protection Bureau. 

When asked by Investopedia why they decided to renew their plan, one Nationwide user said, “I have had pet insurance for 18 years. It gives me peace of mind that I can always do the best for my pets' health.”

Alternative Choices

Before you sign up for any pet insurance policy, shop around and collect some quotes to find one that can meet your pet’s needs and your budget. It can be helpful to keep the following elements in mind.

  • Coverage limits
  • Monthly premium
  • Deductible options
  • Covered treatments
  • Treatment exclusions (such as dental)
  • The ability to add wellness coverage
  • Reimbursement percentages and limits
  • Minimum and maximum cutoff ages


  Nationwide MetLife  ASPCA 
Annual Deductible Options $250 $0 to $2,500  $100, $250, $500 
Reimbursement Percentage  50%, 70% 50%–100%  70%, 80%, 90% 
Average Claim Turnaround Time 5 days 10 days  14–28 days 
Illness Waiting Period  14 days 14 days 14 days 
Injury Waiting Period  14 days  No waiting period 14 days 
Exam Coverage  Yes Yes  Yes 
Dental Illness Coverage  Yes  Yes  Yes 
Max Enrollment Age Limit  10 years None  None 

Want to see what the best pet insurance companies have to offer? See our picks for the top pet insurance plans on the market.

Final Verdict

Overall, Nationwide is a great option for someone looking for a more customizable pet insurance policy. You can choose between Major Medical or Whole Pet plans, and you can enhance a Major Medical plan with a wellness rider. If you have an exotic pet, this is one of the few insurers to offer coverage for a wide variety of animals, and yours may be included.

Our Methodology: How We Review Pet Insurance Carriers

Investopedia is dedicated to providing consumers with unbiased, comprehensive reviews of pet insurance companies. We rated 25 providers and collected over 2,000 data points, including information about plan options, company features, and fees and limits, to ensure that our reviews help users make informed decisions for their pet insurance needs.

Our full pet insurance methodology, including our data collection process and weighted data points, is available for review.

Article Sources
Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.
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  4. Business Wire. “AM Best Places Credit Ratings of Nationwide Indemnity Company Under Review With Positive Implications, Affirms Credit Ratings of Nationwide Mutual Insurance Company and Its Key Operating Subsidiaries.”

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  10. Nationwide. "WHAT’S NOT COVERED."

  11. Nationwide. "Tell us about your pet."

  12. Nationwide. "How to file a claim." 

  13. Nationwide. "Claim Turnaround Time." 

  14. Nationwide. "Electronic Payment of Claims." 

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  16. Consumer Financial Protection Bureau. "Consumer Complaint Database."