Pet Insurance Blog

Is Nationwide Pet Insurance Good? Here's How It Stacks Up

Kari Steer, Licensed P&C Insurance Agent at Pawlicy Advisor
Kari Steere
Licensed Insurance Producer - Pawlicy Advisor
Black and orange cat receives pet

Nationwide is a company known for selling different types of insurance policies, including homeowners, renters, and auto insurance, but it is also offers plans to protect pets. Nationwide pet insurance plans cover accidents, illnesses, and wellness , currently insuring more than 950,000 pets1.

Unlike other pet insurance providers that only insure dogs and cats, Nationwide covers a range of animals, including birds and exotic pets.

Keep reading our Nationwide Pet Insurance review to learn more about the company's plans, benefits, and pricing to see how it stacks up against other providers.

Table of Contents

Does Nationwide offer pet insurance?

Known for offering a variety of insurance policies — including auto, renter's, homeowner's, and life insurance — Nationwide acquired Veterinary Pet Insurance in 2009 and started selling pet insurance policies that cover illnesses, accidents, and general wellness with up to 90% reimbursement rate and a flat deductible of $250.

Today, the company's insurance policies are underwritten by Veterinary Pet Insurance Company in California and National Casualty Company across the rest of the country.

Overview of Nationwide pet insurance

What’s unique about Nationwide Pet Insurance is that they offer an Avian and Exotic Pet Plan specifically designed to meet the unique needs of these pets. It’s the only plan available in the U.S. that covers birds and exotic pets.

Nationwide also offers three pet insurance plans for cats and dogs, including:

  • Whole Pet with Wellness is the most comprehensive of the plans and includes vaccinations, preventive care, prescriptions, hospitalization, surgeries, as well as some hereditary conditions.
  • Major Medical might cover treatments and surgery for most illnesses or injuries but it doesn’t include preventative care.
  • Pet Wellness covers wellness exams, tests, vaccinations, as well as flea and heartworm prevention.

Like most other insurance companies, Nationwide pet insurance policies typically exclude pre-existing conditions, cosmetic procedures, boarding, grooming, as well as non-veterinary fees.

In addition, Nationwide excludes several diseases from its policies, such as hip dysplasia, elbow dysplasia, collapsed trachea, patellar luxation, and primary glaucoma.

A pet insurance policy through Nationwide for your pet will vary depending on your pet’s age, species, and any pre-existing conditions. The monthly premium can range from $15 to $35 for cats and between $25 and $60 for dogs. The wellness plans range between $12 and $22 per month, depending on your reimbursement level.

The good news is Nationwide does offer ways to save; for instance, you can enroll multiple pets to get a discount of 5% to 10%, depending on the number of animals in the household. Customers might also qualify for an additional 5% discount if they already have another type of Nationwide insurance policy, such as auto insurance or renter’s insurance.

What we like about Nationwide’s pet insurance coverage

Nationwide offers comprehensive benefit options. Whether you’re looking for coverage for specialty procedures or basic care, you’re sure to find an option for almost every type of veterinary treatment available.

Another important benefit is that customers can submit claims online through the Nationwide Pet Account Access Page and track claims in real-time on smartphone devices.

The company's Whole Pet with Wellness plan comes with a 90% reimbursement, $250 deductible, and unlimited annual benefits.

Nationwide has a 100% money-back guarantee for cancellations within ten days of the policy start date or when the policy went into effect and the company hasn't reimbursed the policyholder for any claims in that time.

What could be improved

Nationwide pet insurance policies are more expensive than average. In addition, their reimbursement structure is quite complicated, which can be confusing to pet owners. For instance, most of the policies include different amounts of coverage for each treatment, instead of reimbursing a certain percentage of all covered services.

Another downside is the lack of a customization option. Unlike competitor companies who allow customers to choose from a range of benefit and deductible options, Nationwide is not very flexible in this area. The company offers a selection of only three plans, all with set reimbursement amounts, annual coverage limits, and deductibles.

The Nationwide pet wellness plan isn’t available in all states and it is only offered in the company’s highest-priced Whole Pet with Wellness plan.

Finally, Nationwide’s online services are limited. Even though customers can take a picture of their invoice and submit it online or via smartphone, the company doesn’t offer live chat support or a mobile app. Basic support is only available by phone or email. Policyholders can also download and print a PDF claim form and submit it by mail, email, or fax. The claims are usually processed within a 30-day period.

Is Nationwide Pet Insurance worth it?

Being the first and largest provider of pet health insurance in the United States, Nationwide has a strong reputation within the industry and certainly deserves a look if you’re shopping for pet insurance.

The company is the perfect choice if you need insurance for birds and exotic pets. Their Avian and Exotic Pets Plan covers animals such as guinea pigs, reptiles, amphibians, turtles, and more. Coverage details and pricing vary depending on the species and medical history of the exotic pet.

In addition, some plans include wellness care, which is typically not offered by other pet insurance companies or is offered only as an add-on. This can be beneficial for pet parents looking for more comprehensive coverage. However, the fact remains that the premiums are quite high and the company doesn’t offer many ways to reduce the cost, so this provider might not be the best option if your budget is limited.

Before choosing a pet insurance policy, it is important to research and compare the available plans by using a site like Pawlicy Advisor. Pawlicy Advisor provides comparison charts, free quotes, and assistance from licensed agents to help you select the right one for both your pet and your pocket.


  1. FinanceBuzz, Nationwide Pet Insurance. Accessed Aug. 16 2021.

Do you want to find the best pet insurance?

Let's analyze your pet's breed, age, and location to find the right coverage and the best savings. Ready?

Analyze My Pet

About Pawlicy Advisor

The pet insurance marketplace endorsed by veterinarians, at Pawlicy Advisor we make buying the best pet insurance easier. By comparing personalized coverage and pricing differences we can save you a ton of money, up to 83% in some instances!

Pawlicy Advisor helping a pet parent and their dog find a great deal on insurance

Instantly Compare Pet Insurance Plans

Get Quotes


How Pet Insurance Works

How To Compare Plans

Determine If Pet Insurance Is Worth It

Determine If Wellness Plans Are Worth It

Vet Visit Costs

New Puppy Checklist

Comparison Charts

ASPCA vs. Pets Best

Pets Best vs. Embrace

Embrace vs. Pumpkin

Pumpkin vs. MetLife

More Comparison Charts

Find Your State

New Jersey





New York



More States

Dog Insurance

German Shepherd




English Bulldog

French Bulldog

Great Dane





More Breeds

Kari Steer, Licensed P&C Insurance Agent at Pawlicy Advisor

Kari Steere
Licensed Insurance Producer - Pawlicy Advisor

Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. As an animal lover with a rescued Terrier named Barry, when she's not helping pet owners find the perfect plan on Pawlicy Advisor, she runs a ranch in Oregon and rehabilitates any animals that come across her path.

More you might like

Man holding beagle dog
6 minute read

Geico Pet Insurance Review

Chocolate puppy held by owner
5 minute read

Progressive Pet Insurance Review

Pug puppy and young woman
7 minute read

Is Healthy Paws Pet Insurance Good?

Trupanion pet insurance can pay your veterinarian directly. But is it good pet insurance? Here’s what you need to know.
5 minute read

Is Trupanion's Pet Insurance Good?

Man holding new puppy
10 minute read

When's The Best Time to Get Pet Insurance?

Old Beagle dog sitting next to senior woman
9 minute read

Is Pet Assure Any Good? Here's How It Stacks Up

Woman sitting at desk signing paper with dog on lap
9 minute read

When Is Pet Insurance A Great Decision?

Beagle dog waiting
8 minute read

How Soon Does Pet Insurance Take Effect?

Woman hugging black dog with open mouth
8 minute read

Pet Dental Insurance: How to Find the Best Plan

Pawlicy Advisor Team with Logo
4 minute read

Pawlicy Advisor Raised $6.5M To Help Pet Parents Afford Unexpected Veterinary Treatment

Pet's Best Insurance Review
7 minute read

Pets Best Insurance Review: How Does It Stack Up?

Senior boxer dog
7 minute read

Pet Insurance For Older Pets: Is It Worth It?

walmart storefront
8 minute read

Is Walmart Pet Insurance Good? Here’s How It Stacks Up

banfield pet insurance wellness info and review
9 minute read

Banfield Wellness Plan Info & Review: Everything You Need to Know

wagmo wellness info and review
10 minute read

Is Wagmo Pet Insurance Good? Here's How It Stacks Up

Canine Journal vs. Pawlicy Advisor
10 minute read

Canine Journal vs. Pawlicy Advisor: Which is Best For Pet Insurance

dog looking out window
2 minute read

Three Things to Look for When Comparing Pet Insurance Companies

petinsurancereview vs pawlicy advisor pet insurance
10 minute read

PetInsuranceReview vs. Pawlicy Advisor: Which Is Best For Pet Insurance?

Policygenius vs Pawlicy Advisor pet insurance
10 minute read

Policygenius vs. Pawlicy Advisor: Which is Best for Pet Insurance?

lemonade's pet insurance cats and dogs
9 minute read

Is Lemonade's Pet Insurance Good? Here's How It Stacks Up

Happy dog receives affection from owner
13 minute read

Are Pet Wellness Plans Worth It For Routine Care?

Kitten at a veterinary appointment
13 minute read

Is Cat Insurance Worth It? Ask An Expert

happy pet parent loving on her dog
22 minute read

Fascinating Pet Insurance Statistics 2019-2020

Dog at a veterinary clinic
14 minute read

Is Pet Insurance Worth Getting for Your Dog?

Two dogs running happy and healthy
10 minute read

Pet Insurance for More Than One Pet: Multi-Pet Discounts And Strategies

smiling dog
7 minute read

3 Ways To Use Pet Insurance Like A Pro

rescue dog and cat
14 minute read

Pet Insurance For Rescue Dogs (And Cats) - It's Easier Than You Think

cat and dog together outside
17 minute read

How to Get the Best Pet Insurance Plan, No Matter the Provider

dog with loving pet owner
17 minute read

Average Pet Insurance Cost in 2022 by Breed, Age, & State

pet insurance comparison showcase
17 minute read

How To Compare Pet Insurance Plans

Dog covered from bad weather under Pawlicy umbrella
18 minute read

How Does Pet Insurance Work & What Does It Cover

Puppy Dalmation at a veterinary checkup.
15 minute read

Is Pet Insurance Worth It in 2023? Here’s A Vet’s Perspective

Pet Parent and Happy Dog
3 minute read

New Funding to Transform the Pet Insurance Industry

A well-informed dog reads a magazine.
2 minute read

FAQ: Pet Insurance Simplified

pug with pre-existing condition wrapped in a blanket
7 minute read

Pet Insurance Options for Pre-Existing Conditions

A hard-working professional dog at its desk.
2 minute read

Why HR Managers Should Offer Pet Insurance

why pawlicy advisor is the best pet insurance comparison tool
5 minute read

Why Pawlicy Advisor Is The Best Tool For Buying Pet Insurance

Back to Blog
A family with pets that are insured by Pawlicy Advisor
Pawlicy Advisor is the leading independent marketplace for finding the best coverage for your pet at the lowest rate.
Join 2,438,795+ insured dogs and cats across the US.
Get a Quote
Our pet insurance partners
ASPCA Pet Health Insurance Logo
Pets Best Pet Insurance Logo
Embrace Pet Insurance Logo
Pumpkin Pet Insurance Logo
MetLife Pet Insurance Logo
Prudent Pet Insurance Logo