Nationwide Pet is the largest and oldest pet insurance company and covers cats, dogs, birds and exotic pets. Wellness, emergency, and illness-related services are covered.
Nationwide Pet Insurance is part of Nationwide Insurance. Originally known as Veterinary Pet Insurance, it is the oldest and largest pet insurance company in the United States. The company seeks to reduce the often burdensome cost of pet health care. Nationwide is a good option for seniors who prefer to be reimbursed as a percent of their medical bills and do not wish to pay a deductible. Seniors who own multiple pets including birds will prefer Nationwide over other options due to the prolific coverage of this insurance company and the multiple-pet discount. Some concerns have been expressed on online review sites regarding the denial of coverage, premium hikes and level of customer service, so these issues should be examined carefully before enrolling.
|Up to 90% of covered costs|
Type of deductible?
|Incident deductible or Percent-of-Invoice (non-deductible plan)|
Illness waiting period
Delay before coverage?
Accident waiting period
Delay before coverage?
|Ten day trial offer|
Age limits for enrollment?
|Yes, up to 10 years old to enroll, but will not be dropped due to age|
Are all pets eligible?
Is it available?
Is it available?
Multiple pet discount
Is it available?
Nationwide Pet Insurance coverage provides health coverage for a senior’s pet, so advancing age does not affect the quality of the service itself as long as the senior can take the pet to wellness check-ups and veterinarian visits as needed. As the senior advances in age, it may become more difficult to file claims due to health problems such as limited mobility, or declining cognition or eyesight. For healthy seniors looking for a comprehensive insurance policy to cover their pet’s health bills, Nationwide Pet Insurance could be a great option.
A senior’s health does not have much impact on the value of Nationwide Pet Insurance. Of course, seniors who suffer from serious health conditions may find that decreased mobility and an increased absence due to hospitalization can prevent them from owning a pet. In that case, Nationwide Pet Insurance ceases to be of use. However, Nationwide will transfer the policy (except for Wellness Basics) to a new owner through a form and new payment details within a 7-business-day period. Nationwide Pet Insurance offers the greatest value to a healthy senior looking to decrease the cost of veterinarian bills.
Nationwide Pet Insurance was originally founded in 1982 by Dr. Jack Stephens, making it the oldest pet insurance provider in the United States. Lassie, the first pet insured in the U.S., was covered by Nationwide. This provider is the rare company that provides insurance for exotic animals and birds, in addition to cats and dogs. Nationwide is more expensive than other providers, but offers more comprehensive coverage: services including wellness, prescription, accident and dental coverage. Nationwide Pet Insurance has been featured on FOX 5 NY and has been endorsed by the Whole Dog Journal, a monthly newsletter about dog care and training. About one-third of all Fortune 500 companies also offer Nationwide Pet Insurance as an employee benefit. Nationwide is a good pet insurance option for a senior who is looking for a comprehensive plan that covers most procedures and pet health visits.
Frequently Asked Questions:
Overview: Nationwide Pet Insurance offers three types of coverage which reimburse customers differently and provide different insurance offerings.
In the Major Medical package, reimbursement is limited to a set amount for each condition, regardless of how much the treatment costs. The Major Medical plan covers exams, lab tests, x-rays, medications, surgeries, chronic diseases and some hereditary conditions.
The Whole Pet with Wellness package is a percentage-of-invoice package which reimburses customers as a percentage of the total veterinarian bill. The Whole Pet with Wellness package covers a comprehensive range of services including exams, lab tests, x-rays, medications, surgeries, chronic diseases, hereditary conditions, and disease prevention such as vaccinations.
The Pet Wellness package covers wellness exams and tests, flea and heartworm prevention, and immunizations.
Optional Accessories or Add-on Services
Wellness coverage can be added to either of the accident and illness plans for $12-22/month. There are two wellness plans, the Basic Plan and the Plus Plan. Both plans cover vaccinations, deworming/flea control and preventive exams. The Plus Plan is more expensive than the Basic Plan because it provides more routine care coverage.
Contract Details: Nationwide charges a $20/year fee if the customer pays monthly, but the fee is waived if the annual fee is paid up front.
Canceling Nationwide Pet Insurance can be done by visiting my.petinsurance.com or contacting the company in writing.
Warranty: Nationwide has a 10-day risk-free cancellation period.
Accreditations: Nationwide Pet Insurance is accredited by the Better Business Bureau and has a rating of A+.
Company Details: Nationwide Insurance has been providing plans since 1925. Today, Nationwide has more than $158 billion in assets. Nationwide’s company philosophy is “helping members protect what’s important to them.” Nationwide Pet Insurance is accredited by the Better Business Bureau and has an A+ rating.
Nationwide Pet Insurance
P.O. Box 2344
Brea, CA 92822-2344
Phone: (800) 540-2016