If you’re a pet owner, chances are you’ve spent a lot of time researching ways to keep your furry friend healthy and safe. One of the most important decisions you can make for your pet’s well-being is purchasing pet insurance. Nationwide Pet Insurance is a popular option in the pet insurance industry, but is it the right choice for you and your pet? In this comprehensive review, we’ll break down everything you need to know about Nationwide Pet Insurance, including its pros, cons, coverage options, pricing, and more.
Key Features of Nationwide Pet Insurance :-
- Offers a variety of plans, including wellness coverage.
- Covers a wide range of pets, including dogs, cats, birds, and exotic animals.
- Provides a 24/7 vet helpline for policyholders.
- Allows customizable plans to fit different budgets and needs.
- Known for its extensive coverage options beyond standard accident and illness policies.
Is Nationwide Pet Insurance worth it?
Yes, for pet owners looking for comprehensive coverage, including wellness care and exotic pet insurance. However, higher premiums may not fit every budget.
Rating: How Nationwide Pet Insurance Measures Up
Ratings are a crucial factor when evaluating any insurance provider. Nationwide Pet Insurance has consistently received positive feedback from customers and industry experts. Here’s how it performs:
- Customer Satisfaction: Many pet owners praise Nationwide for its comprehensive coverage and easy claims process. However, some note that reimbursement times can occasionally be slow.
- Industry Ratings: Nationwide holds favorable ratings from trusted review platforms such as Consumer Affairs and Trustpilot, typically scoring around 4/5 stars.
- BBB Accreditation: Nationwide is accredited by the Better Business Bureau (BBB) and has earned high marks for its transparency and reliability.
Overall Rating: 4/5 stars
Pros & Cons of Nationwide Pet Insurance :-
| Pros | Cons |
|---|---|
| Wide Range of Coverage: Includes exotic pets and wellness care. | Higher Premiums: Plans can be more expensive than competitors. |
| Customizable Plans: Tailor coverage to fit your pet’s needs. | Limited Coverage for Pre-existing Conditions: Like most insurers, pre-existing conditions are excluded. |
| Unlimited Annual Benefits: No cap on annual payouts for some plans. | Long Waiting Periods: Orthopedic conditions require a waiting period of up to 12 months. |
| 24/7 Vet Helpline: Access to professional advice at any time. | Claims Process Can Be Slow: Some customers report delays in reimbursement. |
| Nationwide Reputation: Backed by a trusted name in insurance. | Exam Fees Not Always Covered: Routine visits may not be fully reimbursed. |
Rating: How Nationwide Pet Insurance Measures Up
Maximum Enrollment Age and Eligibility
Nationwide Pet Insurance does not impose a strict maximum enrollment age for pets, making it a great option for older animals. However, premiums may increase for senior pets.
Eligibility Requirements:
- Covers most breeds and species, including exotic pets like birds and reptiles.
- Pre-existing conditions are not eligible for coverage.
- Must adhere to specific waiting periods for certain conditions.
What Nationwide Pet Insurance Covers and Doesn’t Cover
| What It Covers | What It Doesn’t Cover |
| Accidents: Broken bones, poisoning, and injuries. | Pre-existing Conditions: Illnesses or injuries that occurred before the policy start date. |
| Illnesses: Conditions like cancer, allergies, and diabetes. | Elective Surgeries: Procedures such as ear cropping or tail docking. |
| Wellness Care: Vaccinations, flea/tick prevention, and annual exams (available with specific plans). | Cosmetic Procedures: Grooming, nail trimming, and non-medical treatments. |
| Hereditary and Congenital Conditions: Covered under certain plans. | Breeding and Pregnancy: Costs related to breeding or pregnancy are excluded. |
| Emergency Care: ER visits and surgeries related to covered issues. | Behavioral Treatments: Not covered unless explicitly stated. |
| Diagnostic Tests: Bloodwork, X-rays, MRIs, and CT scans. | Experimental Treatments: Non-FDA-approved therapies. |
| Medications: Prescription drugs for covered conditions. | Food and Supplements: Specialized diets and vitamins are not covered. |
Compare Pet Insurance companies:-
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Coverage Plans and Pricing:-
Nationwide offers several plans to accommodate different needs and budgets. Here’s a breakdown of their primary options:
| Plan Type | Monthly Premium (Dogs) | Monthly Premium (Cats) | Deductible | Reimbursement Percentage | Annual Coverage Limit | Waiting Period |
| Whole Pet with Wellness | $35 – $70 | $30 – $60 | $250 | 90% | Unlimited | 14 days (illnesses) |
| Major Medical | $20 – $50 | $15 – $40 | $100 – $500 | 50%, 70%, 90% | Varies | 14 days (illnesses) |
| Avian & Exotic Pet Plan | Varies | N/A | $100 – $500 | 70%, 80%, 90% | Varies | 14 days (illnesses) |
Additional Notes:
- Wellness Add-ons: Include routine care options like vaccinations, dental cleanings, and flea prevention.
- Customizable Deductibles: Choose between $100 and $500 to adjust premiums.
- Reimbursement Levels: Options include 50%, 70%, or 90% reimbursement after meeting the deductible.
- Unlimited Annual Benefits: Available with some plans, ensuring no cap on payouts.
- Waiting Periods: 14 days for illnesses and accidents; orthopedic conditions may have a longer waiting period.
Pricing Based on Breed and Size :-
Pet insurance premiums vary depending on your pet’s breed, size, and age. Here are examples of estimated monthly costs:
| Breed/Size | Plan Type | Monthly Premium | Deductible | Reimbursement Percentage | Annual Coverage Limit |
| Small Dogs (e.g., Chihuahua) | Whole Pet with Wellness | $35 – $55 | $250 | 90% | Unlimited |
| Medium Dogs (e.g., Bulldog) | Major Medical | $40 – $60 | $250 | 70% | $10,000 |
| Large Dogs (e.g., Golden Retriever) | Whole Pet with Wellness | $50 – $80 | $250 | 90% | Unlimited |
| Cats (e.g., Siamese) | Major Medical | $20 – $40 | $250 | 70% | $5,000 |
| Exotic Pets (e.g., Parrots) | Avian & Exotic Pet Plan | $15 – $50 | $100 – $500 | 70%, 80%, 90% | Varies |
Frequently Asked Questions (FAQ)
1.Who owns Nationwide Pet Insurance?
Nationwide Pet Insurance is part of Nationwide, a well-established insurance company offering various coverage options across the U.S.
2.Is Nationwide Pet Insurance worth it?
Yes, for pet owners looking for comprehensive coverage, including wellness care and exotic pet insurance. However, higher premiums may not fit every budget.
3.Does Nationwide Pet Insurance cover pre-existing conditions?
No, pre-existing conditions are not covered.
4.How long do Nationwide claims take?
Claims are typically processed within 10-30 days. The time frame may vary depending on the claim’s complexity.
5.Does Nationwide cover spaying or neutering?
Only if you add a wellness plan to your policy.
6.Are exam fees covered?
Exam fees are included under some plans but not all. Check your policy details.
7.Does Nationwide offer coverage for exotic pets?
Yes, Nationwide is one of the few insurers covering birds, reptiles, and other exotic animals.
8.Can I cancel my policy anytime?
Yes, you can cancel your policy at any time. If you cancel within the first 30 days, you may receive a full refund, provided no claims have been filed.
9.Does Nationwide cover dental care?
Dental illnesses and injuries are covered under certain plans, but routine dental cleanings may require a wellness add-on.
10.Does Nationwide have an annual limit?
Some plans offer unlimited annual benefits, while others have caps. Review your policy options carefully.
CONCLUSION:-
Nationwide Pet Insurance is a versatile and reliable option for pet owners who want broad coverage, including wellness care and exotic pet insurance. While it may come with higher premiums and occasional delays in claims processing, its comprehensive options and trusted reputation make it a top choice for many. Be sure to compare plans and request a customized quote to find the best fit for your pet and budget.