Did you know? Nationwide works with employers.
If your employer offers Nationwide pet policies, you may get additional benefits or coverage at a lower cost. It’s worth asking your employer if you’re interested in this company.
Dogs, Cats
Pets covered
From 1 year to 10 years
Age
$250
Deductible
Up to 90%
Reimbursement
Average monthly cost | $37.71 |
---|---|
In-network only | No |
Types of policy | Wellness, Accident, Illness |
Chronic disesase | Yes |
Cancer coverage | Yes |
Dental coverage | Not Offered |
Multi-pet discount | 5% |
---|---|
Bundling discount | 5% |
Paid in ful | Not offered |
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Sarah George is a writer at Finder who unravels complicated topics about insurance, business and finance. She's been wordsmithing for nearly five years, after earning an English education degree. Her insurance know-how has been featured on CarInsurance.com. You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.
Nationwide offers three coverage tiers to fit most budgets, and all three are accident and illness policies. The company throws in extra perks if you buy its premium plan, covering any age with no limits on the amount you can be reimbursed. While its customer reviews are mixed, its high business ratings suggest the company is seeing a normal amount of negative and positive reviews for any business.
However, the lower-tiered coverage plans cap the amount you’re reimbursed at a specific dollar amount, and that number is different for every qualifying condition. This can make for a confusing situation if you’re deciding whether to move forward with certain vet care.
These plans work best for those who want some medical coverage at an affordable price but aren’t wanting the most robust protection possible. If you’re okay with a higher price, the premium plan reimburses up to 90% for most medical and wellness costs without limit.
Either way, you can compare several pet policies for their coverage and benefits to see how Nationwide stacks up.
This major insurer starts its most comprehensive plan at $64 per month and its budget-friendly plans start around $34 per month. Compared to other pet insurers, Nationwide offers fair rates for its coverage.
Typically, you’d pay between $20 and $40 per month for an accident and illness policy, depending on which type of pet you have. Then, you might pay $15 to $20 per month for wellness coverage.
With Nationwide, you can choose the comprehensive plan with a deductible and high reimbursement rate. Or on the other plans, you’ll pay the deductible and then any expenses that go beyond that condition’s maximum limit.
Breed | Age | Gender | Deductible | Reimbursement | Maximum | Monthly rate | |
---|---|---|---|---|---|---|---|
Cat | Domestic shorthair | 2 years | Female | $250 | 90% | Unlimited | $39.78 |
Cat | Domestic shorthair | 2 years | Female | $250 | N/A | Defined benefits for medical and wellness | $32.05 |
Cat | Domestic shorthair | 2 years | Female | $250 | N/A | Defined benefits for medical | $14.05 |
Dog | Mixed breed | 2 years | Female | $250 | 90% | Unlimited | $69.43 |
Dog | Mixed breed | 2 years | Female | $250 | N/A | Defined benefits for medical and wellness | $44.47 |
Dog | Mixed breed | 2 years | Female | $250 | N/A | Defined benefits for medical | $26.47 |
Nationwide offers a few discounts to sweeten your deal:
You can zip through an online quote for a quick application process, following these steps:
Nationwide offers three levels of coverage, two packages with wellness coverage and one without. Those packages cover:
What’s covered | Description | Complete care with wellness | Medical plan with wellness | Medical plan |
---|---|---|---|---|
Accidents | Problems that arise from unavoidable mishaps | Yes | Yes | Yes |
Illnesses | General illnesses like upset stomach and specific conditions like urinary tract infections | Yes | Yes | Yes |
Hospitalization | In-hospital or outpatient care | Yes | Yes | Yes |
Surgeries | Coverage for invasive or minimal procedures | Yes | Yes | Yes |
Alternative treatments | Holistic and alternative options like acupuncture or water therapy | Yes | No | No |
Prescriptions | Coverage for any medicine the vet prescribes | Yes | Yes | Yes |
Therapeutic diet | For specialty diet or supplements prescribed by a vet | Yes | No | No |
Chronic conditions | Care for long-lasting problems like diabetes | Yes | Specified conditions | Specified conditions |
Dental diseases | Repair your pet’s dental problems after accidents or some illnesses | Yes, including gingivitis | Yes | Yes |
Hereditary and congenital conditions | Genetic or at-birth conditions covered if not known before coverage | Yes, no waiting period | Specified conditions after one-year waiting period | Specified conditions after one-year waiting period |
Cancer | Coverage for chemotherapy or other cancer treatment | Yes | Yes | Yes |
Wellness exams | Routine vet visit to protect from future medical issues | Yes | Yes | No |
Routine bloodwork and parasite testing | Routine tests like bloodwork or heartworm tests | Yes | Yes | No |
Flea or heartworm prevention | Routine medication to prevent fleas, worms or heartworm | Yes | Yes | No |
Vaccinations | Coverage for preventive and routine vaccines | Yes | Yes | No |
Spay or neuter | Optional procedure to prevent your pet from having offspring | Yes | No | No |
24/7 advice line | Call a professional with your health questions before heading to the vet | Yes | Yes | Yes |
Behavioral treatments | Behavioral therapy that prevents future accidents or injuries | Yes | No | No |
If your employer offers Nationwide pet policies, you may get additional benefits or coverage at a lower cost. It’s worth asking your employer if you’re interested in this company.
Veterinary Pet Insurance (VPI) was the first insurance company to ever sell a pet insurance policy in the US — it protected the famous movie star dog, Lassie. VPI was backed by Nationwide from the beginning. In 2014, Nationwide moved to consistent branding across all its insurance companies, including VPI. To accommodate the new branding, VPI changed its name to Nationwide pet insurance.
You’ll see a short list of exclusions on this major company’s policies, including:
You won’t find many reviews specifically about Nationwide’s pet insurance. However, as a whole, the company sees mixed ratings and reviews. Nationwide holds an A+ rating with the Better Business Bureau, despite its low 1 out of 5 stars rated by BBB customer reviews.
As of July 24, 2020, it’s received over 230 complaints on the BBB. Several recent complaints cited misunderstandings with the company’s customer service, billing issues and slow refunds when requesting a cancellation.
On a positive note, Nationwide holds a 1.14 rating from the 2019 National Association of Insurance Commissioners complaint index. This complaint index assigns a rating based on a company’s number of complaints compared to its business size. Since the national standard complaint rating is 1.00, Nationwide’s rating shows that it receives a standard number of complaints.
See how Nationwide’s coverage variety and perks compare against competitors’ policies.