HomeFinanceNationwide Pet Insurance Review 2022: Pros and Cons

Nationwide Pet Insurance Review 2022: Pros and Cons

Nationwide is without doubt one of the oldest and largest pet insurance coverage corporations within the U.S., protecting greater than 1,000,000 pets. Unlike most pet insurers, Nationwide sells insurance policies for dozens of various species, not simply cats and canine — so homeowners of parrots, rabbits and potbellied pigs can get protection, too.

Nationwide has two plans to cowl accidents and accidents. One is much like many different pet insurance coverage, reimbursing you for a share of your vet invoice. The different pays a set quantity per situation, no matter what you really spend. The firm additionally gives a wellness plan, although it is not obtainable in all states.

Nationwide execs and cons

Covers birds and different animal species, not simply canine and cats.

Wellness protection cannot be added to all plans.

Gives reductions for a number of pets or multiple coverage with Nationwide.

Less beneficiant reimbursement choices than another insurers.

Whole Pet plan gives complete protection.

No protection obtainable for spay or neuter surgical procedure.

State availability

Nationwide pet insurance coverage is out there in all 50 states and Washington, D.C.

Nationwide pet insurance coverage

Nationwide gives three pet insurance coverage to select from.

Whole Pet

Whole Pet is Nationwide’s most complete plan, protecting the broadest vary of sicknesses and accidents. It will reimburse a share of your vet invoice for accidents or sicknesses, together with exams and checks. However, it doesn’t cowl wellness bills resembling routine exams or heartworm prevention.

Major Medical

The Major Medical plan pays out primarily based on a profit schedule, which lists a most annual reimbursement quantity per situation — no matter what your vet fees you.

Major Medical plans usually value lower than Whole Pet plans, however they don’t supply as a lot protection. For instance, Major Medical plans received’t pay to deal with congenital situations (problems your pet is born with), whereas Whole Pet plans will.

Pet Wellness

Nationwide’s Pet Wellness plans reimburse you for vaccinations, heartworm checks, manicure and different fundamental companies. However, they received’t pay for spay or neuter surgical procedure. You can select between two wellness tiers:

  • Wellness Basic has a most annual restrict as much as $400 and prices $12 to $18 a month.

  • Wellness Plus pays as much as $500 per yr and prices $17 to $22 a month.

Wellness plans aren’t obtainable in each state. Where obtainable, you should buy a wellness plan at the side of a Major Medical plan or by itself. You can’t add wellness protection to a Whole Pet plan.

What Nationwide pet insurance coverage covers

Nationwide’s Whole Pet plan covers:

  • Exams, therapy, hospitalization and surgical procedure for accidents and sicknesses, together with most cancers.

  • Nutritional dietary supplements or therapeutic diets which can be prescribed by your vet.

  • Dental illnesses resembling gingivitis.

  • Behavioral exams and therapies.

  • Alternative therapies resembling acupuncture and chiropractic.

Nationwide’s Major Medical plan covers:

  • Exams, therapy, hospitalization and surgical procedure for accidents and sicknesses listed in your profit schedule, together with most cancers.

  • Some hereditary situations after your coverage has been in impact for not less than a yr.

  • Alternative therapies resembling acupuncture and chiropractic.

  • Some dental situations, however not gingivitis.

What’s not lined

Nationwide’s pet insurance coverage don’t cowl:

  • Cruciate ligament issues inside the first 12 months of protection.

  • Wellness and preventive care (until you’ve bought a wellness plan).

The Major Medical plan additionally excludes:

  • Congenital or developmental problems.

  • Some hereditary situations.

  • Various dental points resembling gingivitis or therapy of child tooth.

  • Age-related adjustments to an animal’s eyes or ears.

  • Treatment for parasites resembling heartworms.

  • Prescribed dietary dietary supplements or pet meals.

  • Expenses related to breeding or being pregnant, resembling cesarean sections.

  • Any situations particularly excluded in your advantages schedule.

Nationwide protection choices

Deductibles: If you purchase your coverage on-line, an annual deductible of $250 applies to each Whole Pet and Major Medical plans. For different deductible choices, you’ll have to name the corporate.

Reimbursement quantities: For Whole Pet plans, you possibly can choose to be reimbursed both 50% or 70% of your vet bills. Major Medical reimbursement is predicated in your schedule of advantages.

Coverage limits: There’s a $10,000 annual protection restrict for Whole Pet plans. Wellness plans max out at $400 or $500 per yr, relying on which profit tier you select. Maximum protection for Major Medical plans is on a per-condition foundation.

Restrictions and ready durations

Age restrictions: Depending on the plan, your pet might must be not less than 8 weeks outdated to get protection. A most age of 8 years might apply. Some plans don’t have any minimal or most age.

Waiting durations: After you purchase your Whole Pet or Major Medical coverage (with or with no wellness plan), you’ll have to attend 14 days earlier than protection begins. If you purchase a stand-alone wellness plan, the ready interval is just 24 hours. A 12-month ready interval applies to cruciate ligament points.


You can save 5% on a brand new pet insurance coverage plan if you happen to at present have one other Nationwide coverage.

You may additionally have the ability to save 5% if you happen to insure multiple pet with Nationwide.

Consumer expertise

Website: Nationwide’s web site is comparatively simple to make use of, with info and FAQs about its plans and a web-based declare submission course of. You may get a quote and purchase a coverage.

App: Nationwide has a basic app for all its insurance coverage merchandise, but it surely gives comparatively little performance for pet insurance coverage clients. (It directs you to the web site to file claims, as an illustration.) Nationwide pet insurance coverage policyholders get free entry to the corporate’s VetHelpline app, which connects you with veterinarians for recommendation and consultations.

Claims: You can file a declare on-line or obtain a type to ship in by electronic mail, fax or bodily mail. You can test your declare standing by means of your on-line account. The firm says claims are usually processed inside 30 days. You can choose to be reimbursed electronically or by paper test.

Customer service: You can attain customer support by telephone at 800-540-2016 Monday by means of Saturday, or contact the corporate by electronic mail.

Nationwide vs. opponents

Here’s how Nationwide stacks up in opposition to a number of different widespread pet insurance coverage corporations.

Nationwide vs. Trupanion pet insurance coverage

In most states, Trupanion has a single plan with limitless protection and a 90% reimbursement price — each of that are extra beneficiant than Nationwide’s limits.

Each firm handles deductibles otherwise. Nationwide has an annual deductible, whereas Trupanion gives lifetime deductibles per situation in most states. The latter may prevent cash in case your pet develops a continual situation that wants ongoing therapy yearly.

For accidents and sicknesses, Trupanion’s plan is much like Nationwide’s Whole Pet plan. Both cowl hereditary and congenital situations, prescription medicines and dietary supplements, and diagnostic checks. However, sure therapies included within the Whole Pet plan value further with Trupanion, resembling acupuncture, behavioral therapies and chiropractic.

If you’re in search of wellness protection, Nationwide is a greater wager; Trupanion doesn’t cowl any wellness bills.

$250 per yr. (Other choices obtainable by telephone.)

$0 to $1,000 per situation (besides in Florida, the place no deductible applies).

90% (besides in Florida, the place you possibly can select any reimbursement quantity from 50% to 90%).

Nationwide vs. Healthy Paws pet insurance coverage

Healthy Paws gives a single pet insurance coverage plan with no annual or lifetime limits. It has greater reimbursement choices than Nationwide’s plans (as much as 90% for some pets). However, there’s no choice so as to add wellness protection.

Like Nationwide’s Whole Pet plan, the Healthy Paws plan covers hereditary and congenital situations, prescription medicines and various therapy resembling acupuncture and chiropractic. However, it received’t pay for examination charges, some dental well being care, behavioral therapies or prescription diets.

Healthy Paws says most claims are processed inside two enterprise days, whereas Nationwide might take as much as 30 days.

$250 per yr. (Other choices obtainable by telephone.)

$100 to $1,000 per yr. (Not all choices can be found to all pets.)

50%, 60%, 70%, 80% or 90%. (Not all choices can be found to all pets.)

Nationwide vs. ASPCA pet insurance coverage

ASPCA’s Complete Coverage plan is much like Nationwide’s Whole Pet plan. Both cowl hereditary and congenital situations, examination charges for accidents and sicknesses, various therapies, behavioral therapies and prescription meals and dietary supplements. But you possibly can add wellness protection to ASPCA’s Complete Coverage plan, whilst you can’t for Nationwide’s Whole Pet.

ASPCA additionally gives an accident-only coverage, which you’ll select as a less expensive various to a full accident and harm plan.

ASPCA has greater reimbursement choices than Nationwide (as much as 90%), in addition to extra deductibles and annual limits to select from. Its ready interval for cruciate ligament points can be considerably shorter — simply 14 days in contrast with 12 months. But its declare processing time is identical — about 30 days.

$250 per yr. (Other choices obtainable by telephone.)

$3,000 to $10,000 per yr. (An limitless choice could also be obtainable; name the corporate for particulars.)

Frequently requested questions

Does Nationwide pet insurance coverage cowl spaying or neutering?

None of the plans obtainable to new Nationwide clients covers spay or neuter surgical procedure.

How do I cancel Nationwide pet insurance coverage?

You can cancel by means of your on-line account on the Nationwide web site or by writing to the corporate. You’ll be reimbursed any unused premium. In some states, if you happen to cancel inside 10 days of buy and haven’t had any claims reimbursed but, you’ll get 100% of your a reimbursement.

How a lot is Nationwide pet insurance coverage?

The firm advertises charges beginning at $35 a month, however we noticed charges even decrease than that whereas getting pattern quotes. Your personal pet’s charges will fluctuate primarily based on their breed, age and location.

Does Nationwide pet insurance coverage cowl cremation or different remaining bills?

Nationwide’s accident and sickness plans cowl end-of-life bills resembling cremation.



Please enter your comment!
Please enter your name here

Most Popular

Recent Comments