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Nationwide Review

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Nationwide
BestMoney Staff
Bestmoney Staff
Jun. 18, 20214 min read

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 byBestmoney 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.

Nationwide
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  • author
    Kelly Zapata
    4 days ago
    I recently called about my pet claim

    I recently called about my pet claim. I was able to speak to Diera and she was super knowledgeable and addressed all my concerns and made me comfortable. I will continue with my nationwide pet insurance because of her amazing assistance. Thank you!

    ...

  • author
    Lucy
    May 10, 2022
    Kiahara did a great job helping me to…

    Kiahara did a great job helping me to fill in the correct forms. She was very patient and informative. I am thankful to have the help.

    ...

  • author
    Joe Lopez
    May 05, 2022
    Destinee, Member Care Representative

    Nationwide, I've tried to reach out to someone two times and wasn't able to provide me in the right direction. After the final attempt, I came across someone who was knowledgeable and was able to give me the information I needed regarding my cancellation policy. I was glad Destinee was able to get the point and she said not to worry. Give this person a raise or something, she got me out of a headache. Thanks to her!

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  • author
    Cat G
    Apr 02, 2022
    I am so happy I had Nationwide pet…

    I am so happy I had Nationwide pet insurance for my Xena. I never had to decide between my pup’s health or going bankrupt. Nationwide gave me that peace of mind. Customer service is top notch. Everyone is super friendly, knowledgeable and caring. Nationwide honored their policy and reimbursement was easy and fast. Policy was easy to understand and coverage was excellent. If only humans health insurance was this easy. Thank you!

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  • author
    Mari beth
    Apr 02, 2022
    My thanks to the representative Diera …

    My thanks to the representative Diera she took the time to reset my password and email all the while walking me through each step teaching me ins and outs of the website. I was so surprised that there are several options to send in claims . I was told a few weeks earlier in talking with nationwide agent there were only two options and that was about it short and done with my questions not answered. So thank you Diera for making this website less intimidating for me to navigate.

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  • author
    Deb Reichelderfer
    Mar 31, 2022
    They are excellent and very patient…

    They are excellent and very patient with explaining things they definitely know what their doing and with manners and respect

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  • author
    Jean Gohn
    Mar 29, 2022
    Excellent service!!!!!

    I am very pleased with all they have done for my cat (Shelly) & I. I would recommend Nationwide for pet insurance.

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  • author
    Alexandra Capitanucci
    Mar 26, 2022
    I would like to leave a feedback about…

    I would like to leave a feedback about Nationwide because it is the best company that offers insurance for our pets. They are very efficient and professional. It is a company that I trusty for my best friends. I have insurance for my dog and cat for years and I have piece of mind knowing that they have insurance. And I got the best company for that. I also would like to leave a review for Vanessa, who helped me with my claim. I didn’t submit it right and she had a lot of patience to explain in details what I needed to do. Step by step she explained it and she went above and beyond to help me. I was so stressed at the day with a personal problem and she calmed me down. What a special person she is. Nationwide is very lucky for having her in their team. She was very professional, polite, and kind. Thank you so much Nationwide for taking care of my pets and thanks Vanessa, for being such a special person.

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  • author
    Belinda West
    Mar 21, 2022
    Apparently a check got lost in the mail…

    Apparently a check got lost in the mail so I called Nationwide and had the pleasure of talking to Octavia. She resolved the issue in less than 3 minutes. What a great representative. Thank you!!!

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  • author
    Eugene Peters
    Mar 19, 2022
    She was very helpful

    She was very helpful, clear and professional.

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  • author
    Lorrie
    Mar 18, 2022
    Great customer service!

    Great customer service!! Answered all my questions. Thanks so much!!

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  • author
    Bryce Pederson
    Mar 17, 2022
    Diera was great help!

    Diera was great help! answered all my questions and had a good chat! A great Idea to implement for us members would be a portal or link that will have a list of nationwide approved vets in our area that we could go to for exotic pets or pets in general. Since I live in Utah we don't have anything on hand to tell us where to take exotic pets.

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  • author
    Deborah Perez
    Mar 17, 2022
    Service people couldn’t be nicer

    Service people couldn’t be nicer. Young lady was very helpful and cleared everything up for me.

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  • author
    Kaitlyn Ford Rodriguez
    Mar 15, 2022
    Octavia is an awesome representative

    Octavia is an awesome representative. She helped me navigate my claims process and was unbelievably helpful. She is a 5 star person and makes Nationwide look great!

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  • author
    Edna Hodges
    Mar 14, 2022
    Octavia was beyond awesome

    Octavia was awesome! I appreciate her knowledge and great patient in assisting me with my claim. Excellent customer service!

    ...

  • author
    Debra Cargo
    Mar 14, 2022
    Customer service is always a pleasure

    Customer service is always a pleasure! I know I am doing something worth it for my pet and peace of mind. You can count on customer service to make things easier and better than it already is with Nationwide Pet Insurance. Thank you for excellent service and care and clarity!!!

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  • author
    Sandra Nathanson
    Mar 14, 2022
    Very informative and thorough

    Octavia explained everything to me and took time to answer all my questions. She even found an example claim for me to help me understand the coverage. Great customer support! Thank you Octavia!

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  • author
    Sophia Estremera
    Mar 14, 2022
    Best Policy

    I've had my policy only for about 6 months and so far I'm extremely happy. Ive submitted 2 claims so far with a 2 day turn around on reimbursement. All agents are extremely helpful every time I call. I will probably keep this policy for as long as I'm a pet owner.

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  • author
    Rebecca Butner
    Mar 12, 2022
    I asked the customer service department…

    I asked the customer service department , Octavia, if I submitted a claim already and she answered my question in less than 5 minutes. She’s excellent, as well as the company in quickness of viewing doctor’s notes, and paid receipts from my vet’s office and returning payment to me. I’ve been with Nationwide for years. Thank you!

    ...

  • author
    Bernardo de Marsillac Falcao
    Mar 12, 2022
    My call involved many items and lasted…

    My call involved many items and lasted almost two hours. Nennetzy, the agent, was extremely polite and patient. And also very efficient. Congratulations, Nennetzy.

    ...

  • author
    Veronica J
    Mar 12, 2022
    I have had such a good experience with Nationwide. They are the best Pet insurance with a wellness rider available. The claims are processed and paid quickly and accurately.

    I have had such a good experience with Nationwide. The coverage is the best out there for Pet insurance with a wellness rider.

    ...

  • author
    Jesus Solis
    Mar 12, 2022
    Got the help i needed.

    Got the help i needed.

    ...

  • author
    Carok
    Mar 11, 2022
    Yesterday I called Nationwide to cancel…

    Yesterday I called Nationwide to cancel my policy since my beloved dog, Rosie, died. Leslie Moore answered the phone. While we were discussing the claims I’d just sent in, I started to cry. I was crying so hard I couldn’t talk. Leslie kindly offered to call me back today. She did call back today & we finished everything. I’d like to give a huge thank you to Leslie Moore. Her kind, patient, compassionate manner was exactly what I needed in my deep sadness.

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  • author
    Robert
    Mar 11, 2022
    Nationwide makes filing a claim easy

    The process for filing a claim with Nationwide could not be easier. The claim form is pre-filled so that the only thing I have to fill in is the information specific to the claim and attach a copy of the bill. Within a very few days the money is deposited in my bank account. There is no comparison with this and what I go through with Medicare. Seriously, my dogs have far better insurance than I do. Nationwide is one of the best companies I have ever done business with. Based on my pet insurance experience I am planning to switch my other insurance to Nationwide.

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  • author
    M. Murray
    Mar 10, 2022
    Fast

    Fast, easy claim process. Customer service were professional.

    ...

  • author
    Madonna S.
    Mar 09, 2022
    Very happy!

    I am so thankful I chose Nationwide for pet insurance over the other brands. My pups have received tests, surgery, and procedures I never would have been able to afford without pets insurance. Before signing up for their services the representatives I spoke to made sure I understood what was covered and what wasn't. They clearly explained what pre-existing cinditions are and why preexisting conditions weren't covered so I knew what to expect and what services wouldn't be covered. Thank you!

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  • author
    Sharon Dunlop Flaucher
    Mar 08, 2022
    I would like to give 4 stars but…

    I would like to give 4 stars but because of the communication and not giving me the proper information in a timely manner, I have to say 3 stars. The representatives always come across sincere. Unless we can walk away understanding the situation and hopefully benefiting further from it, it’s frustrating. The representative meant well but better communication is in order. Peace

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  • author
    Sandra Fleck
    Mar 08, 2022
    Excellent service and insurance

    Excellent service and insurance. I would highly recommend for your pet.

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  • author
    Lisa Werschkul
    Mar 05, 2022
    I received terrific help and our call…

    I received terrific help and our call never felt rushed. I really appreciate having pet insurance for my furry kid.

    ...

  • author
    S. Kumar
    Mar 04, 2022
    Jennifer was compassionate

    Jennifer was compassionate, kind and extremely helpful. She went above and beyond to help our situation. Thank you!

    ...

  • author
    George Quartell
    Mar 03, 2022
    Dafne (Valerie) Mendoza - Excellent!

    Dafne (Valerie) Mendoza did an excellent job helping me get my requested information about the coverages I have for my two Siamese cats. She was patient, understanding, polite, and thorough. All customer service agents should emulate her capabilities.

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  • author
    KC
    Sep 30, 2020
    Payroll deducted for 6 months

    Payroll deducted for 6 months. Finally got around to using Nationwide Pet Insurance and it is a total scam. You will get denied for not supplying Complete Invoice, All Medical Records, All Soap Notes, All Lab Results and More. They will not reach out to your Vet like other pet insurance companies do, they expect you to collect and upload all these docs with each claim. While their competitors only require an invoice, and if they need more info they will reach out the clinic to get the docs to complete the claim. Not to mention when you compare rates for actual coverage. Nationwide will charge you the same rate for 1/3 the coverage of their competitors. In other words i used to pay $126 for 2 dogs that only covered up to $8K per dog. I went to Nationwides competitor and now pay $109 for 2 dogs and get up to $30K per dog. Like the other guy said, your better off just saving the money you would have paid Nationwide Pet Insurance. That way you wont have to deal with their customer service talking to you like their paying you to be their customer.

    ...

  • author
    April Wisniewski
    Apr 10, 2015
    don't waste your money!!

    VPI has sucked $40 out of me a month for the past 4 years. They cover basically nothing, and if they do, it's after a $50 deductible leaving you with zilch. Recently they had the nerve to send me a reimbursement check for $.04!! You're better off putting money aside each month. If I realized they were a Nationwide Company I would have never used them in the first place.

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  • author
    Jake Havenridge
    Apr 07, 2015
    Helped me cover some pretty serious bills.

    Last winter my dog decided it would be smart to eat a christmas garland. After a week or so of him acting weird, I took him to the vet and the metal part had become entangled in his digestive tract. We were going to have to pony up $3k to have surgery. Without VPI I'm not sure if we could have had the surgery. Reimbursement was super easy, we just had the vet fill out the paper work and we were good. Since then, I've recommended VPI to anyone who will listen, so if you're listening, give them a shot. I'm glad I did!

    ...

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