Nationwide Pet Insurance coverage Evaluate 2022


Execs Defined

  • Complete profit choices: Nationwide presents accident, accident and sickness, and wellness plans so you’ll find the precise quantity of protection you wish to your pet. 
  • Protection for quite a lot of household pets: Along with canine and cats, Nationwide offers protection for extra unique pets like birds, turtles, and reptiles. 
  • Bundling low cost obtainable: Reductions can be found irrespective of what variety of pet you insure—present Nationwide members obtain a 5% low cost on a recent pet medical health insurance coverage.

Cons Defined

  • Just one rider choice: The one rider choice is a wellness plan, which you should purchase independently or tack on to a different plan. 
  • Small reimbursement and annual restrict caps: Nationwide solely presents reimbursement ranges of fifty% or 70%, and it has a $10,000 annual restrict.
  • Wellness plans aren’t obtainable in all states: Although Nationwide presents two wellness plans, for those who’re in search of any such protection your location could restrict your choices.


Nationwide Mutual Insurance coverage Firm can meet a whole lot of totally different client pet insurance coverage wants, particularly with pet house owners who aren’t simply in search of pet and canine protection. They’ve plans for pets like turtles, hedgehogs, and potbellied pigs, which most pet insurance firms don’t cowl.

Firm Overview

Greater than one million pets are presently protected by Nationwide pet insurance coverage. Whereas the Nationwide we all know right now was based in 1982, this firm has greater than a 90-year historical past that started by offering small mutual auto insurance coverage. In 2009, Nationwide acquired Veterinary Pet Insurance coverage, which was the primary pet insurance coverage firm in the USA (based in 1982).

Headquartered in Columbus, Ohio, this Fortune 100 firm presents a wide selection of insurance coverage merchandise and monetary companies, which makes it a super match for anybody who likes to bundle their insurance coverage insurance policies. Along with pet insurance coverage, it presents auto, householders, life, and plenty of different varieties of insurance coverage insurance policies.

Whereas many pet insurance coverage suppliers solely supply protection for canine and cats, Nationwide lets you buy a coverage for a lot of varieties of animals, together with: 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.

Accessible Plans

Nationwide presents a wide range of pet insurance coverage plan choices; you’ll be able to decide from an harm plan (referred to as Main Medical), harm and sickness (Complete Pet), and wellness (Wellness). You may obtain care from any licensed vet on the earth with a Nationwide pet insurance coverage plan.

The next chart outlines the protection variations between these plans.

Lined RemedyComplete Pet Main Medical Wellness 
Reside vet chat 24/7   
Exams ✓ (wellness exams)
Hereditary circumstances ✓ ✓ (some) 
Power circumstances ✓ ✓  
Surgical procedures and hospitalization ✓  
Prescriptions ✓ ✓  
Lab checks, diagnostics ✓ ✓  
Flea/heartworm prevention and therapy   ✓ 
Conduct examination/therapy   ✓ 
Microchipping   ✓ 

Accessible Riders/Add-ons

Undecided which plan is correct for you? In case you need the very best of each worlds and as a lot protection as potential, you do have the choice of including wellness protection as a rider to an current plan. In contrast to most pet insurance firms, you’re additionally capable of buy a standalone wellness plan—with out an accident/sickness plan—for those who’d solely like that variety of protection. 

Nationwide presents two totally different wellness add-ons, Wellness Primary and Wellness Plus. Each offers protection for a similar therapies, however the Plus plan has the next protection restrict.

Wellness plans should not obtainable in all states.

Ready Durations

Nationwide’s plans have the next ready intervals earlier than protection begins: 

  • Complete Pet and Main Medical: The 14-day ready interval begins from the time your utility is permitted and cost is obtained. 
  • Pet Wellness: If buying wellness protection alone, protection begins 24 hours after the time your utility is permitted and cost is obtained. If buying wellness protection as a rider, protection begins after a 14-day ready interval.

Cancellation Coverage

In case you resolve to cancel your Nationwide pet insurance coverage coverage, you’ll be able to achieve this at any time by notifying the corporate in writing (by fax or mail) or on-line at Your coverage shall be canceled as of the date the cancellation request is obtained.

In case you resolve to cancel inside 10 days of your coverage going into impact, Nationwide has a 100% money-back assure so long as you haven’t been reimbursed for any claims but.

Plan Exclusions

Plan exclusions range based mostly on the plan you select.

Complete Pet:

  • Pre-existing circumstances
  • Grooming
  • Cruciate ligament issues throughout the first 12 months of protection
  • Bills indirectly associated to veterinary companies
  • Illnesses preventable by vaccination
  • Age-related adjustments to ears and eyes
  • Wellness, routine and preventive care
  • Dental cleansing

Main Medical and Wellness:

  • Pre-existing circumstances
  • Congenital anomalies and developmental problems
  • Hereditary problems
  • Expression of anal glands, anal sacculitis, and removing of anal glands
  • Cruciate ligament issues throughout the first 12 months of protection

Pre-Current Circumstances

None of Nationwide’s pet insurance coverage cowl pre-existing circumstances. Nationwide considers a pre-existing situation to be any sickness or harm that your pet had earlier than you obtained protection. 

Not all pre-existing circumstances are excluded completely. In case you can show with medical information that your pet’s situation has been cured for a minimum of six months, you could find a way to safe protection.

Plan Pricing

Pet insurance coverage by means of Nationwide range relying in your pet and protection of selection, however they begin at $35 per thirty days. Nationwide presents reimbursement ranges of fifty% or 70%, has a $10,000 annual protection restrict, and doesn’t have a lifetime cap on advantages. You may get a quote on-line. 

The value of your plan may be influenced by the scale of your chosen deductible, together with different aspects just like the variety of pet you have got and your location. With Nationwide you’ll be able to select a deductible of $100, $250, $500, or $1,000.

In case you are a present Nationwide member, you’ll be able to get a 5% low cost on a recent pet medical health insurance coverage.

The 2 totally different wellness add-ons come at various value factors. 

  • Wellness Plus: $17 to $22 per thirty days
  • Wellness Primary: $12 to $18 per thirty days


Nationwide makes it pretty straightforward to file a pet insurance coverage declare and presents a wide range of strategies to achieve this. You may submit a declare by way of desktop or cellular system by logging in to your Nationwide Pet Entry Account web page at You furthermore may have the choice to submit a declare by mail, e mail, or fax.

Most claims are accomplished inside 30 days (so long as you submit all crucial declare data), and Nationwide will provide you with a warning by telephone or e mail to verify the declare has been obtained and is processing.

If you have got a Chase Funds account you’ll be able to decide to be reimbursed to your declare by direct deposit. In case you don’t wish to go this route, Nationwide will prepare for an alternate cost methodology, which is able to most definitely be a paper test.

Buyer Service

For buyer assist, you’ll be able to contact Nationwide by way of e mail or telephone at the next numbers: 

  • Essential quantity: (888) 899-4874
  • Member care: (800) 540-2016
  • Latest enrollments: (800) 872-7387

The assist line is open throughout the following hours: 

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

Third-Occasion Rankings

Nationwide performs nicely amongst third-party score businesses. Nationwide obtained an A+ score from AM Finest, which signifies the corporate may be very financially steady and prone to pay out its insurance coverage claims. Nationwide has obtained no complaints about its pet insurance coverage choices by means of the Shopper Monetary Safety Bureau. 

When requested by Investopedia why they determined to resume their plan, one Nationwide person mentioned, “I even have had pet insurance coverage for 18 years. It offers me peace of thoughts that I can at all times do the very best for my pets’ well being.”

Various Decisions

Earlier than you enroll for any pet insurance coverage coverage, store round and acquire some quotes to seek out one which can meet your pet’s wants and your finances. It could be useful to maintain the next parts in thoughts.

  • Protection limits
  • Month-to-month premium
  • Deductible choices
  • Lined therapies
  • Remedy exclusions (corresponding to dental)
  • The flexibility so as to add wellness protection
  • Reimbursement percentages and limits
  • Minimal and most cutoff ages


 NationwideMetLife ASPCA 
Annual Deductible Choices$100, $250, $500, $1,000$0 to $2,500 $100, $250, $500 
Reimbursement Share 50%, 70%50%–100% 70%, 80%, 90% 
Common Declare Turnaround Time9–12 days10 days 14–28 days 
Sickness Ready Interval 14 days14 days14 days 
Damage Ready Interval 14 days No ready interval14 days 
Examination Protection SureSure Sure 
Dental Sickness Protection Sure Sure Sure 
Max Enrollment Age Restrict 10 yearsNone None 

Need to see what the very best pet insurance firms must supply? See our picks for the highest pet insurance coverage available on the market.

Closing Verdict

Total, Nationwide is a terrific choice for somebody in search of a extra customizable pet insurance coverage coverage. You may choose from wellness, harm, or harm and sickness protection, or can improve a essential plan with a wellness rider. If you have got an unique pet, that is one in every of the few insurers to supply protection for a wide range of animals, and yours could also be coated.

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Our Methodology: How We Evaluate Pet Insurance coverage Carriers

Investopedia is devoted to offering customers with unbiased, complete evaluations of pet insurance firms. We rated 25 suppliers and picked up over 2,000 information factors, together with details about plan choices, firm options, and charges and limits, to be sure that our evaluations assist customers make knowledgeable selections for his or her pet insurance coverage wants.

Our full pet insurance coverage methodology, together with our information assortment course of and weighted information factors, is obtainable for evaluation.