Nationwide is on your side, and your pet’s.
The largest pet insurer in the country has something for everyone, including owners of exotic animals.
But whether or not it’s the right pet health insurance company for you and your furriest family member depends on several factors.
In this Nationwide pet insurance review, we’ll look at what the company covers and how much their policies cost to decide if it might be a good fit.
Table of Contents:
- About Nationwide Pet Insurance
- Nationwide Pet Insurance Plans
- Waiting Period
- Getting Quotes
- Pros & Cons
- Alternatives to Nationwide Pet Insurance
Nationwide opened its doors in 1926, starting out as Farm Bureau Mutual and changing its name to Nationwide in 1955. Over the following decades, Nationwide expanded from solely selling auto insurance to becoming a one-stop-shop for insurance products.
In 1982, Nationwide sold its first pet health insurance policy to none other than Lassie.
The company has gained popularity and thrived over the years, partly because of its financial strength. Nationwide holds an “A+” rating from A.M. Best, suggesting a promising financial outlook and strong claims-paying ability.
Its success can also be attributed to the company’s commitment to customer satisfaction, as exemplified by Nationwide’s BBB presence. Nationwide has been BBB-accredited since 1955 and holds an “A+” rating with the Better Business Bureau.
Last, Nationwide stands out for its dedication to community service. The Fortune 100 company partners with major philanthropic organizations and its employees to make a positive global impact.
Nationwide Pet Insurance
Nationwide pet insurance coverage comes in three plans, each of which covers a range of medical expenses.
Here’s a look at what each one includes.
Nationwide Whole Pet with Wellness
Comparable to other comprehensive policies, the whole pet plan covers:
- Dental treatment
- Heartworm/flea prevention
- Hospitalization and surgeries
- Illnesses: Includes chronic and hereditary conditions
- Wellness exams
Nationwide’s accident and illness plan can be applied to a long list of birds and exotic animals, as well, under the Avian and Exotic Bird Plan.
Nationwide Major Medical Plan
At the next tier of coverage, the Major Medical plan is a scheduled benefits plan with a fixed maximum reimbursement amount.
This plan offers coverage for the same conditions as the Whole Pet plan, but there is a one-year waiting period for some hereditary illnesses.
- Accidents and illnesses
- Some hereditary illnesses
Nationwide Major Medical with Wellness
Major Medical with Wellness includes all of the conditions covered by Major Medical, plus:
- Blood and urine samples
- Flea/heartworm prevention
- Wellness exams
You can also enroll in a wellness policy without purchasing one of the medical plans above.
Pet wellness includes routine expenses such as physical exams, behavioral treatment, vaccines, fecal tests, nail trims, microchipping, and other tests and preventative treatments.
The plan comes in two forms: wellness plus and wellness basic, with the former providing slightly higher coverage amounts.
Nationwide Pet Insurance Exclusions
Nationwide tries to keep their list of excluded conditions short, but there are a few exceptions to their coverage.
Whole Pet with Wellness Exclusions
- Grooming: Unfortunately nail trims, haircuts, and shampooing aren’t covered.
- Non-medical expenses: Associated costs that aren’t designated for medical treatment, like payment processing, taxes, or waste removal fees aren’t covered.
- Pre-existing conditions: 6 months free of the condition, verified by a vet, should allow your pet to still get covered.
- Additional conditions: Other conditions, treatment courses, or services not deemed medically necessary for care, as defined by Nationwide, are restricted.
All Other Plan Exclusions:
- Congenital/developmental disorders: Coverage may be granted in some cases, only if the condition doesn’t have visible symptoms.
- Cruciate ligament injuries: If the injury occurs during the first year of the policy, it isn’t covered, a restriction that is lifted in later years.
- Hereditary conditions: Regardless of visibility, some hereditary conditions aren’t insurable or may only be eligible for partial coverage.
- Pre-existing conditions: Conditions your pet has at the time of application are not covered, with the exception of cured conditions referenced earlier.
- Wellness care: With both the Whole Pet and Major Medical plans, you must add wellness coverage to get routine and preventative care.
- Additional conditions: Again, there may be additional exclusions for some conditions and treatments.
Nationwide Pet Insurance Waiting Period
Nationwide’s policies come with the following waiting periods for insurability:
- Wellness: 24 hours
- Whole Pet and Major Medical: 14 days
- Cruciate ligament injury: 12 months
Nationwide Pet Insurance Quote
How much does Nationwide pet insurance coverage cost? It depends on the type of pet you have, how old they are, and what type of coverage you want.
Nationwide policies come with a standard annual deductible of $250, though you can inquire about changing the deductible amount by phone, as well as the reimbursement amount if you have a Whole Pet policy.
Sample quotes for a 2-year-old male German Shepherd:
- Whole Pet with Wellness: $98.95/month with 90% reimbursement
- Major Medical with Wellness: $47.37/month with pre-defined reimbursement amounts
- Major Medical: $29.37/month with pre-defined reimbursement amounts
Sample quotes for a 2-year-old British Shorthair Cat:
- Whole Pet with Wellness: $63.61/month with 90% reimbursement
- Major Medical with Wellness: $32.26/month with pre-defined reimbursement amounts
- Major Medical: $14.26/month with pre-defined reimbursement amounts
Pros and Cons
Consider the good and the bad, aspects of Nationwide’s pet insurance.
- Exotic Coverage: No other carrier provides the type of protection Nationwide does to birds and exotic animals.
- Wellness Plan: Not every pet insurance company has optional wellness coverage, a major advantage for preventative care.
- Accessibility: Nationwide has a simple app to file and track claims for policyholders, and quotes can be accessed easily online.
- Unlimited Coverage: There are no annual limits to coverage on the Whole Pet or Major Medical plans with Wellness.
- Waiting Periods: The waiting periods for coverage, mainly the first-year freeze on CCL operations, are a downside to coverage.
- Less Flexible Policies: Nationwide comes with high reimbursement levels and doesn’t allow you to make adjustments without calling.
- Cost: Nationwide’s coverage is robust, but that expansive protection comes at a high cost in premium payments.
Alternatives to Nationwide Pet Insurance
You should always look at more than one company when you purchase pet insurance.
To guarantee you get the best rates for your fur baby, take a few moments to research the alternatives to Nationwide below:
Is Nationwide Pet Insurance for You?
Nationwide is a dependable pet insurance company with a reputation that speaks for itself.
Your pet will be in safe and secure hands if you choose Nationwide as your provider, with comprehensive coverage that accounts for a variety of health concerns and even protects exotic animals.
That being said, Nationwide’s rates are not the lowest, so if you’re looking for the most affordable and flexible coverage, you might be better off elsewhere.
But if you’re looking for dependable coverage you can set and forget and don’t mind the added cost of Nationwide’s premium policies, it could be a good fit.
Start comparing quotes today to decide which company is best suited to meet your pet’s needs.
Nationwide Pet Insurance
- A.M. Best: A+
- BBB: A+