Nationwide pet insurance updates April 2023

Nationwide is one of the leading providers of insurance services in the United States, offering a wide range of insurance policies for individuals, families, and businesses. One of the types of insurance coverage offered by Nationwide is pet insurance, which can help pet owners cover the costs of unexpected veterinary expenses. In this blog, we’ll take a closer look at Nationwide pet insurance, including what it covers, how it works, and what makes it stand out from other pet insurance providers.

What is Nationwide pet insurance?

Nationwide pet insurance is a type of insurance policy that provides coverage for unexpected veterinary expenses. Pet owners pay a monthly premium in exchange for coverage, and the policy will pay for eligible expenses, such as vet visits, surgeries, and medications. Nationwide pet insurance is available for dogs, cats, birds, and exotic pets.

What does Nationwide pet insurance cover?

Nationwide pet insurance offers several different plans with varying levels of coverage. Here’s a breakdown of what each plan covers:

  • Whole Pet with Wellness: This is the most comprehensive plan offered by Nationwide, covering everything from accidents and illnesses to routine wellness care, such as annual exams and vaccinations.
  • Major Medical: This plan provides coverage for accidents and illnesses, as well as some additional benefits, such as prescription medications and emergency boarding.
  • Pet Wellness: This plan is designed specifically to cover routine wellness care, such as exams, vaccinations, and preventive medications.
  • Pet Injury: This plan provides coverage for accidental injuries, such as broken bones or bites from other animals.

It’s important to note that while Nationwide pet insurance covers a wide range of veterinary expenses, there are some things that are not covered by the policy. These can include pre-existing conditions, certain hereditary conditions, and elective procedures.

Nationwide pet Insurance

How does Nationwide pet insurance work?

To enroll in Nationwide pet insurance, pet owners must first choose a plan that meets their needs and budget. Once enrolled, pet owners pay a monthly premium for coverage. When a pet requires veterinary care, the owner can submit a claim for reimbursement through Nationwide’s online portal or mobile app.

When submitting a claim, pet owners will need to provide documentation of the veterinary visit, including the diagnosis and treatment provided. Nationwide will then review the claim and reimburse the owner for eligible expenses, up to the limits of the policy.

What are the benefits of Nationwide pet insurance?

There are several benefits to choosing Nationwide pet insurance over other providers. Here are some of the top reasons why pet owners choose Nationwide:

  • Wide range of coverage: Nationwide offers several different plans to meet the needs of different pets and budgets. Whether you’re looking for comprehensive coverage or just want to cover routine wellness care, there’s a plan for you.
  • Easy to use: Nationwide’s online portal and mobile app make it easy to submit claims and manage your policy. You can track your claims, view your policy details, and even add new pets to your policy with just a few clicks.
  • Discounts: Nationwide offers several discounts to help pet owners save on their premiums. For example, you can get a multi-pet discount if you enroll more than one pet, or a discount if you’re a member of certain organizations.
  • Nationwide’s Whole Pet with Wellness plan: This plan is unique to Nationwide and provides coverage for routine wellness care, such as exams and vaccinations, in addition to accidents and illnesses. This can help pet owners save money on routine care and ensure their pet stays healthy.
  • 24/7 helpline: Nationwide’s pet insurance policies come with access to a 24/7 helpline staffed by licensed veterinarians. This can be a valuable resource for pet owners who have questions about their pet’s health or behavior.

What are the drawbacks of Nationwide pet insurance?

While Nationwide pet insurance offers many benefits, there are also some drawbacks to consider before purchasing a policy. Here are some potential drawbacks to keep in mind:

  • Higher premiums: Nationwide pet insurance premiums can be higher than some other pet insurance providers. This can make it more expensive to insure your pet with Nationwide, especially if you have multiple pets or a pet with pre-existing conditions.
  • Deductibles and co-pays: Like most insurance policies, Nationwide pet insurance requires pet owners to pay deductibles and co-pays before the policy kicks in. Depending on the plan you choose, these costs can add up quickly, especially if your pet requires frequent veterinary care.
  • Coverage limitations: While Nationwide pet insurance covers a wide range of veterinary expenses, there are some limitations to the coverage. Pre-existing conditions, certain hereditary conditions, and elective procedures are not covered by the policy.
  • Reimbursement process: While Nationwide offers an easy-to-use online portal and mobile app for submitting claims, the reimbursement process can be slow. It can take several weeks to receive reimbursement for eligible expenses, which can be frustrating for pet owners who need to pay veterinary bills upfront.
  • Exclusions for certain breeds: Nationwide pet insurance may have exclusions for certain breeds or types of pets, such as pit bulls or exotic animals. This can make it difficult for pet owners with these types of pets to find coverage.

It’s important to carefully consider these drawbacks before purchasing a Nationwide pet insurance policy, and to compare the coverage and costs with other pet insurance providers to ensure you’re getting the best policy for your pet’s needs and your budget.


Nationwide pet insurance can be a valuable tool for pet owners who want to ensure they can provide their pets with the best veterinary care possible, without breaking the bank. With several different plans to choose from and a wide range of coverage options, Nationwide offers a flexible and comprehensive solution for pet owners looking for pet insurance.

However, it’s important to carefully review the policy details, including coverage limitations, deductibles, and co-pays, before purchasing a policy. By understanding the benefits and drawbacks of Nationwide pet insurance, pet owners can make an informed decision about whether it’s the right choice for their pet’s needs and their budget.

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