Nationwide Pet Insurance Review

Almost 100 years of service and their own recipe of success their offerings are simple and to the point and are easy to understand. That being said if you are not too fussy about the technical and are searching for something reliable, easy to use, and will go the distance, Nationwide will do just that.

Dog Insurance Coverage

There are two “levels” or options to  Nationwide members. 1 is the complete coverage option which includes high-quality pet insurance for your dog, with medical and wellness protection with 90% of vet bills covered.

Occasions that your dog needs coverage and the highlights of this  Full Coverage Plan include:

  • Accidents and illnesses
  • Surgeries and hospitalisation
  • Prescriptions
  • Chronic conditions
  • Hereditary conditions (no waiting period)
  • Wellness exams and tests
  • Flea/heart-worm prevention
  • Vaccinations


The second level plan is just for medical coverage which includes a more budget-friendly insurance plan with a dependable coverage of the more common medical cost.

This includes:

  • Accidents and illnesses
  • Surgeries and hospitalisation
  • Prescriptions
  • Chronic conditions
  • some hereditary conditions (1-year waiting period)

Cost of Nationwide Pet Insurance:

Nationwide’s premiums seem to be slightly more costly than its competitors between the two different coverage plans. The first level plan, being the full coverage of your dog’s wellness and medical bills.

Customers can look to pay a premium of $64/month. There is no restrictions age limits or maximum benefits

The second level being just medical coverage is a total of $34/month


Nationwide offers a discount of 5% for your 2nd and 3rd pet. If you need to cover more dogs 4 or more dogs get a discount of 10% Even if you have just one pet now the difference should be kept in mind as you still explore.

24/7 Customer Service

Nationwide pet insurance client care is accessible from Monday to Saturday using email or telephone. They are available on Monday through Friday from 8 a.m. to 10 p.m. and Saturdays from 10 a.m. to 6:30 p.m.

Social Media Platforms

Nationwide has an extensive social media following across various platforms that include Instagram, Facebook, Twitter, and Linkedin. Although Nationwide is not just a pet insurance company they first started in 1925 primarily in auto and house insurance their social media is primarily focused on the sub-industries that are making them the most income. If you are looking for a more dog-friendly social media account and think it would be fair to keep exploring.

Why Pick Nationwide?

Simple, easy, and reliable. Nationwide has a deep sense of tradition and has been doing the insurance business for almost 100 years. Their original insurance business that started in 1925 focused primarily on Auto and House insurance and adapted to the trends in 2008 to focus on covering our four-legged friends. Their recipe for success comes from the simple definitive options of their coverage levels. These levels are easy to understand and they suggest exactly what you are going to get out of them.

Ease of Doing Business

According to the ease of using Nationwide’s website, there is a simple and easy-to-use claim submission link that allows to describe in detail the particular claim and attach the original invoice and then send it off. Fair warning is that after an accident or invoice from a vet has been sent there is a 30 day waiting period to get claims back

All submissions and claims can be done through your mobile or electronic device and all services whether it be paying a bill or receiving a claim can be done electronically.

All submissions and claims can be done through your mobile or electronic devise and all services whether it be paying a bill or receiving a claim can be done electronically.


"I’ve had my German Shepherd insured through Nationwide since 2015 (when they were Veterinary Pet Insurance). The annual premium appears to be set such that, if you do for the year are wellness visits to the vet *and* you purchase the usual meds (flea, tick, heartworm), you will recover the cost of the premium — that is, you break even for the year. That’s actually a pretty good deal, because if there are any unanticipated issues, then you’re likely going to be saving money."
consumeraffairs 30/9/2020
"I’m shocked two see negative reviews for Nationwide’s pet insurance. I’ve have multiple great experiences with them each year. Most recently, my 8-year old Dane mix (Cooper) tore his ccl. Consistent with my past experiences, Nationwide processed every claim related to this injury within one week. While my monthly bill is similar to car insurance, it’s worth every penny. I can’t imagine life without Nationwide. I highly recommend their top tier coverage (low annual deductible and 90% reimbursement)"
Matthew F
Yelp 12/14/2020
"So far I do not have any major complaints. There are some items I wish they covered like prescription food and teeth cleaning. They have been very prompt in resolving the claims that have been submitted."
consumeraffairs 14/9/2020
"We like the comprehensive coverage, Vet Helpline, ability to see any vet. We do not like the difficulty submitting claims and lack of communication when a claim we have submitted has been unreadable. I have usually submitted claims by email and though some of them have not been readable, I have not received any notice of this. I have had to go into our account and pull up the claim history to see the notice that the photo I sent of the receipt was not readable. I only received an email saying the claim has been received. In addition, the FAX number has never worked-there is no answer when I FAX. Please fix these two areas and I will be able to award 5 stars. Thanks!"
Rita C
consumersadvocate 02/09/2018