reimbursementVaries by plan — 50% to 90% on Whole Pet plans
Best for: Owners of birds or exotic pets, and loyalists who want wellness bundled with medical coverage from an established brand.
Insurer review
Nationwide Pet Insurance review
Best for: Owners of birds or exotic pets, and loyalists who want wellness bundled with medical coverage from an established brand.
Coverage terms at a glance
| Annual limits | Varies by plan — benefit-schedule allowances (Major Medical) up to $10,000+ annual limits (Whole Pet) |
|---|---|
| Reimbursement | Varies by plan — 50% to 90% on Whole Pet plans |
| Deductible | From $250 annual (Whole Pet) |
| Waiting periods | 14 days accidents and illnesses, 12 months cruciate ligament conditions |
Highlights
- The largest U.S. pet insurer, covering birds and exotic pets as well as dogs and cats
- Whole Pet with Wellness bundles medical and routine care in one plan
- Vet Helpline included with every policy
Pros and cons
Pros
- Only major insurer covering birds, reptiles, and other exotics
- Bundled Whole Pet with Wellness option
- Decades of underwriting history and brand recognition
- Multi-pet discounts available
Cons
- Major Medical pays on a benefit schedule with per-condition caps that fall below real vet bills
- 12-month cruciate ligament waiting period
- Whole Pet plans cap reimbursement at 50%–70% for many customers
- Recent mass non-renewals of older-pet policies damaged trust
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Related reading
Nationwide Pet Insurance FAQ
How much does Nationwide Pet Insurance cost per month?
We don't publish a price for Nationwide Pet Insurance, because there isn't one — premiums are filed by ZIP code and priced on your dog's age, breed, and medical history, plus the deductible and reimbursement you choose. Nationwide Pet Insurance is rated here on its published coverage terms, not on price. For the industry baseline to compare a quote against, see our US pet insurance cost page, and request a quote directly for your own dog.
What are Nationwide Pet Insurance's waiting periods?
14 days accidents and illnesses, 12 months cruciate ligament conditions
What reimbursement does Nationwide Pet Insurance offer?
Nationwide Pet Insurance offers reimbursement options of Varies by plan — 50% to 90% on Whole Pet plans, with annual limits of Varies by plan — benefit-schedule allowances (Major Medical) up to $10,000+ annual limits (Whole Pet) and deductible options of From $250 annual (Whole Pet).