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Nationwide Review

Reviews 255
Nationwide
Nationwide
Great
Reviews 255
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Bestmoney Staff
Dec. 30, 2020
3 min read
BestMoney Staff
Nationwide Summary
Over half a million pet owners choose Nationwide as their pet insurance provider. Besides dogs and cats, you can also insure your birds and exotic pets. The tiered plans come with lots of perks.

Pros

  • Insures exotic pets
  • No networks, so you can see your regular vet
  • Wellness coverage available

Cons

  • Limited coverage for hereditary conditions
  • Payouts limited by benefit schedule on most plans

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Nationwide Highlights

  • Most popular pet insurer in the US.
  • Insures exotic pets.

What’s Included In Your Pet Insurance

Unlike other insurers, Nationwide doesn’t just cover dogs and cats. It also covers birds, rabbits, reptiles and other unusual species, including chinchillas, hamsters, pigs and sugar gliders.

You can choose from 3 tiers of coverage: 

  • The Pet Wellness Plan
  • The Major Medical Plan
  • The Whole Pet With Wellness Plan

All 3 plans cover vets worldwide, which means you can stick to your vet or specialist of choice, and travel without worrying about being out of network.

The Pet Wellness plan is the cheapest and most basic plan. It covers microchipping, vaccinations, annual wellness exams and bloodwork, de-worming and flea and heartworm prevention.

The second tier, the Major Medical plan, covers accidents and illnesses (including cancer), as well as chronic conditions such as kidney disease, diabetes and IBS. Cover includes exams, lab tests, x-rays, surgery, hospital stays and prescriptions. However, you’ll have to pay for annual wellness separately.

The Whole Pet With Wellness plan is the most expensive tier, but also has the most complete coverage. Besides annual wellness, accidents and illness, it also covers neutering, cesarean sections, therapeutic foods and nutritional supplements.

Crucially, both the Major Medical plan and Whole Pet With Wellness plan cover surgery for torn ligaments. This is one of the most common injuries in dogs, but it’s rarely covered by pet insurance providers.

TreatmentWhole Pet with WellnessPet Wellness
DewormingYesYes
Eye infectionYesNo
Fecal testYesYes
GingivitisYesNo
Muscle sprainYesNo
Spay or neuterYesNo
Wellness examYesYes
VaccinationsYesYes
MicrochipYesYes

Limits and Deductibles

Nationwide’s policies have a single annual deductible. Pay it once and you’re covered for the whole year, no matter how many times you claim.

However, payouts on the Major Medical Plan and the Pet Wellness Plan are made according to a benefit schedule. You’ll always get a fixed payout determined by the schedule, capping reimbursement on a certain amount for each condition or service, regardless of the amount you spent. The Whole Pet with Wellness plan offers payments based on 90%, so you’ll pay for the plan with higher payouts when you need them.

This isn’t ideal if you need a certain amount back, because benefit schedule payments may be based on expected fees that do not fit your vet’s actual prices. You could end up with out-of-pocket expenses.

Value For Money 

Nationwide isn’t the cheapest pet insurance provider, with accident and illness coverage starting at $35 a month.

That said, you’ll receive a higher standard of basic coverage than most other baseline plans from other providers. Nationwide offers you the freedom to see the vet or specialist of your choice and only a single annual deductible.

Age Limits 

Nationwide won’t insure pets that are 10 years old or over, except for the Whole Pet with Wellness Plan, which has no age restrictions.

This age limit is relatively low and there are other companies offering insurance for pets up to 14. That said, once your pet is insured, he’ll stay insured even after it passes the age limit unless you decide to cancel the policy. It’s also cheaper to insure a younger pet, so the best way to get your best friend insured through his old age, is to sign him up when he’s a puppy.

The Fine Print: What Isn’t Covered Under The Policy 

Nationwide’s exclusions are straightforward and easy to understand. Like most pet insurance providers, it doesn’t cover pre-existing conditions.

It does unfortunately classify most congenital anomalies as pre-existing conditions. This means that problems caused by breed-specific traits such as brachycephaly and kinked tail (brachycephalic breeds include Boxers, Bulldogs, Pugs and Persian cats, just to name a few), will not be covered. Certain cancers may also not be covered, if it’s shown that they’re caused by congenital anomalies or hereditary traits of your pet’s breed.

Under the Major Medical plan, there is a 12-month waiting period for cruciate ligament surgery and hereditary condition cover. You’ll need to opt for the Whole Pet With Wellness plan for the waiting period to be waived, or get coverage before your pet has expected medical concerns around the corner. 

Conclusion

Nationwide is one of the few pet insurers on the market to cover exotic pets. The basic plan has some great perks in terms of what it covers and the veterinary helpline is really helpful for off-hours medical needs. The main downside is the benefit schedule payout system for the two cheaper plans. You should also be aware of certain breed specific conditions, as problems caused by those common traits might not be covered.

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BestMoney Staff
Written by
Bestmoney Staff
Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.
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Trustpilot reviews
See what some customers are saying about Nationwide
Great • Reviews 255
on
Excellent
76%
Great
2%
Average
3%
Poor
2%
Bad
17%
We upload 100 to 400 Trustpilot reviews to our website daily, displaying them by default from "best" to "worst". You have the option to adjust the sorting criteria. If you wish to see all reviews, you can visit Trustpilot's website here.
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jack gibney
3 weeks ago
Spoke with a very great…
Spoke with a very great representative-she was very insightful and how to explain to my benefits
KR
Kyle Raab
1 month ago
Very helpful customer service
Very helpful customer service! Was able to quickly get to a representative and walk through all my questions resulting in useful information.
John David Farmer
2 months ago
Susan was kind and knowledgeable
Susan was kind and knowledgeable, helping me to get things done quickly and efficiently. Thank You!
JC
James Cherry
2 months ago
Consistently great service.
We've been using Nationwide for 20 years and have been very happy. Customer service is always friendly and helpful and coverage is competitive. You won't be disappointed if you give them a try.
LP
Lisa Petrilli
2 months ago
Pieper Vet hospital and particularly…
Pieper Vet hospital and particularly the Neurologist Dr Hammond saved my little 7 lb dogs life when she couldn’t bear weight one day out of the blue. The bill was a big one. My pets have been with Nationwide for 19 years. They covered 80% of bill which helps. We are thankful for Nationwide and Pieper hospital in Middletown CT
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