Nationwide's pet insurance earns a 2.65 out of 5 MoneyGeek score for cats and 2.5 for dogs. It ranks fourth nationally in customer experience but 13th for cats and 14th for dogs in affordability. The company's 14-day waiting period for accident coverage matches industry standards.
Nationwide Pet Insurance Review
Updated: November 27, 2025
Advertising & Editorial Disclosure
Nationwide Pet Insurance Review: Key Takeaways
Nationwide charges $41 monthly for cat insurance and $94 for dog insurance, ranking 13th and 14th respectively in affordability.
The company ranks fourth in customer experience despite earning low Trustpilot scores alongside its A+ BBB rating.
Nationwide ranks ninth for coverage breadth, offering Major Medical and Whole Pet with Wellness plans that include preventive care and vaccination coverage.
Nationwide Pet Insurance Ratings
Data filtered by:
Dog
| Affordability | 1.67 | 14 |
| Coverage | 2.14 | 9 |
| Customer Experience | 4.17 | 4 |
| Overall Score | 2.50 | 14 |
WHO IS NATIONWIDE PET INSURANCE BEST FOR?
Nationwide ranks among the best pet insurance companies for owners looking for accident-only plans or coverage for exotic pets. However, those who want unlimited payouts or immediate coverage for accidents may have to look elsewhere.
Learn more about the best pet insurance options for your pet:
Nationwide Pet Insurance Ratings by State
Nationwide provides pet insurance coverage in all 50 states. It ranks 10th for cats in seven states and 11th in 43 states for cats and nine states for dogs. While Nationwide doesn't provide the best pet insurance overall, it ranks high at fourth place nationally in customer experience across all states for both cats and dogs.
Data filtered by:
Overall Score
Dog
| Alabama | 2.50 | 13 |
| Alaska | 2.50 | 13 |
| Arizona | 2.85 | 11 |
| Arkansas | 2.50 | 14 |
| California | 2.90 | 11 |
| Colorado | 2.80 | 11 |
| Connecticut | 2.75 | 11 |
| Delaware | 2.65 | 12 |
| Florida | 2.55 | 14 |
| Georgia | 2.55 | 13 |
| Hawaii | 2.50 | 12 |
| Idaho | 2.50 | 14 |
| Illinois | 2.80 | 12 |
| Indiana | 2.50 | 14 |
| Iowa | 2.50 | 14 |
| Kansas | 2.50 | 14 |
| Kentucky | 2.50 | 13 |
| Louisiana | 2.50 | 14 |
| Maine | 2.50 | 14 |
| Maryland | 2.50 | 14 |
| Massachusetts | 2.70 | 12 |
| Michigan | 2.55 | 13 |
| Minnesota | 2.55 | 13 |
| Mississippi | 2.50 | 13 |
| Missouri | 2.50 | 14 |
| Montana | 2.50 | 14 |
| Nebraska | 2.50 | 14 |
| Nevada | 2.60 | 14 |
| New Hampshire | 2.65 | 11 |
| New Jersey | 2.75 | 11 |
| New Mexico | 2.50 | 13 |
| New York | 2.70 | 12 |
| North Carolina | 2.50 | 13 |
| North Dakota | 2.50 | 14 |
| Ohio | 2.70 | 11 |
| Oklahoma | 2.50 | 14 |
| Oregon | 2.85 | 11 |
| Pennsylvania | 2.50 | 14 |
| Rhode Island | 2.50 | 14 |
| South Carolina | 2.50 | 13 |
| South Dakota | 2.50 | 14 |
| Tennessee | 2.50 | 14 |
| Texas | 2.60 | 14 |
| Utah | 2.50 | 12 |
| Vermont | 2.50 | 14 |
| Virginia | 2.60 | 12 |
| Washington | 2.50 | 14 |
| West Virginia | 2.50 | 14 |
| Wisconsin | 2.65 | 11 |
| Wyoming | 2.50 | 14 |
Nationwide Pet Insurance Comparison
Take a look at how Nationwide’s pet insurance stacks up against other major providers.
Nationwide vs. AKC | • Dogs: 2.50 vs. 4.30 • Cats: 2.65 vs. 3.85 | AKC costs less and offers stronger coverage and customer service for both dogs and cats. |
• Dogs: 2.50 vs. 3.85 • Cats: 2.65 vs. 3.35 | ASPCA charges lower premiums despite Nationwide's solid customer service. Nationwide's coverage falls short. | |
Nationwide vs. Embrace | • Dogs: 2.50 vs. 2.55 • Cats: 2.65 vs. 2.30 | Embrace charges slightly less, but Nationwide delivers stronger customer experience. Both lack competitive coverage. |
Nationwide vs. Fetch | • Dogs: 2.50 vs. 2.70 • Cats: 2.65 vs. 2.95 | Fetch provides broader coverage while Nationwide leads in customer service. Both charge high premiums. |
• Dogs: 2.50 vs. 3.60 • Cats: 2.65 vs. 3.80 | Figo charges less with stronger coverage, though Nationwide delivers better customer service. | |
Nationwide vs. Hartville | • Dogs: 2.50 vs. 3.50 • Cats: 2.65 vs. 3.90 | Hartville costs less with broader coverage. Nationwide maintains higher service ratings. |
Nationwide vs. Lemonade | • Dogs: 2.50 vs. 4.50 • Cats: 2.65 vs. 4.25 | Lemonade charges a lot less with higher overall scores. Nationwide's strength is customer service. |
Nationwide vs. Liberty | • Dogs: 2.50 vs. 2.65 • Cats: 2.65 vs. 2.30 | Liberty costs less, yet Nationwide gives better customer service. Both rank low for coverage. |
• Dogs: 2.50 vs. 3.05 • Cats: 2.65 vs. 2.40 | MetLife charges lower premiums while Nationwide leads in customer service. Both offer weak coverage. | |
• Dogs: 2.50 vs. 4.05 • Cats: 2.65 vs. 3.80 | Pets Best costs less with broader coverage. Nationwide only leads in customer service. | |
• Dogs: 2.50 vs. 3.70 • Cats: 2.65 vs. 4.15 | Pumpkin charges less with higher overall scores. Nationwide ranks higher only in customer service. | |
Nationwide vs. Rainwalk | • Dogs: 2.50 vs. 4.05 • Cats: 2.65 vs. 3.95 | Rainwalk costs less with broader coverage. Nationwide only excels in customer service ratings. |
Nationwide vs. Spot | • Dogs: 2.50 vs. 3.75 • Cats: 2.65 vs. 4.15 | Spot charges less with stronger coverage. Nationwide delivers better customer service. |
How Much Does Nationwide Pet Insurance Cost?
Nationwide charges $94 monthly ($1,127 yearly) for dog coverage and $41 monthly ($489 yearly) for cats. Pet insurance costs depend on your pet's breed, age and location.
| Dog | $94 | $60 | $1,127 | $723 | 56% |
| Cat | $41 | $32 | $489 | $379 | 29% |
Nationwide Pet Insurance Rates by State
Pet insurance rates vary by state due to different veterinary costs and local claim patterns. Nationwide's cheapest pet insurance for cats is in Arkansas at $31 monthly, while Washington has the highest rate at $54. Arkansas also has the lowest premium for dogs at $72, compared to Washington's $133 monthly rate.
Data filtered by:
Dog
| Alabama | $76 | $916 |
| Alaska | $92 | $1,107 |
| Arizona | $104 | $1,250 |
| Arkansas | $72 | $859 |
| California | $107 | $1,281 |
| Colorado | $109 | $1,308 |
| Connecticut | $100 | $1,201 |
| Delaware | $91 | $1,094 |
| Florida | $104 | $1,252 |
| Georgia | $83 | $991 |
| Hawaii | $94 | $1,132 |
| Idaho | $95 | $1,136 |
| Illinois | $107 | $1,288 |
| Indiana | $86 | $1,038 |
| Iowa | $84 | $1,012 |
| Kansas | $89 | $1,064 |
| Kentucky | $87 | $1,043 |
| Louisiana | $79 | $949 |
| Maine | $114 | $1,365 |
| Maryland | $99 | $1,192 |
| Massachusetts | $114 | $1,372 |
| Michigan | $92 | $1,102 |
| Minnesota | $95 | $1,141 |
| Mississippi | $85 | $1,018 |
| Missouri | $82 | $978 |
| Montana | $82 | $990 |
| Nebraska | $88 | $1,062 |
| Nevada | $94 | $1,134 |
| New Hampshire | $104 | $1,249 |
| New Jersey | $100 | $1,197 |
| New Mexico | $90 | $1,076 |
| New York | $97 | $1,160 |
| North Carolina | $88 | $1,061 |
| North Dakota | $77 | $923 |
| Ohio | $82 | $981 |
| Oklahoma | $84 | $1,003 |
| Oregon | $106 | $1,276 |
| Pennsylvania | $97 | $1,159 |
| Rhode Island | $86 | $1,035 |
| South Carolina | $94 | $1,126 |
| South Dakota | $87 | $1,039 |
| Tennessee | $89 | $1,065 |
| Texas | $96 | $1,149 |
| Utah | $89 | $1,063 |
| Vermont | $89 | $1,069 |
| Virginia | $97 | $1,160 |
| Washington | $133 | $1,600 |
| West Virginia | $84 | $1,010 |
| Wisconsin | $96 | $1,157 |
| Wyoming | $93 | $1,122 |
Nationwide Pet Insurance Rates by Breed
Nationwide's pet insurance premiums depend on your pet's breed. Cat owners pay $36 monthly for Domestic Shorthairs and up to $53 for Exotic Shorthairs. Dog premiums range from $39 for small mixed breeds under 20 pounds to $174 for Olde English Bulldogges.
Data filtered by:
Select
Select
| Abyssinian | $52 | $623 |
| Affenpinscher | $80 | $965 |
| Afghan Hound | $91 | $1,090 |
| Airedale Terrier | $101 | $1,212 |
| Akita | $99 | $1,189 |
| Alaskan Husky | $81 | $970 |
| Alaskan Malamute | $98 | $1,177 |
| Alsatian | $108 | $1,299 |
| Alsation | $104 | $1,241 |
| American Bulldog | $127 | $1,529 |
| American Bully | $119 | $1,432 |
| American Eskimo | $72 | $861 |
| American Foxhound | $76 | $911 |
| American Hairless Terrier | $77 | $925 |
| American Staffordshire Terrier | $104 | $1,244 |
| Australian Cattle Dog | $77 | $925 |
| Australian Kelpie | $81 | $968 |
| Australian Mist | $45 | $537 |
| Australian Shepherd | $65 | $778 |
| Australian Silky Terrier | $67 | $802 |
| Australian Terrier | $70 | $843 |
| Balinese | $45 | $540 |
| Basenji | $68 | $819 |
| Basset Fauve de Bretagne | $96 | $1,154 |
| Basset Hound | $109 | $1,307 |
| Beagle | $83 | $990 |
| Bearded Collie | $77 | $917 |
| Belgian Shepherd Malinois | $90 | $1,079 |
| Bengal | $46 | $558 |
| Bernese Mountain Dog | $167 | $2,001 |
| Bichon Frise | $73 | $878 |
| Birman | $45 | $536 |
| Bloodhound | $124 | $1,487 |
| Bombay | $38 | $454 |
| Border Collie | $68 | $816 |
| Border Terrier | $73 | $880 |
| Borzoi | $112 | $1,341 |
| Boston Terrier | $77 | $922 |
| Boxer | $125 | $1,503 |
| Bracco Italiano | $98 | $1,182 |
| Briard | $101 | $1,216 |
| British Bulldog | $151 | $1,816 |
| British Longhair | $37 | $441 |
| British Shorthair | $48 | $573 |
| Brussels Griffon | $78 | $930 |
| Bullmastiff | $166 | $1,995 |
| Bull Mastiff | $170 | $2,041 |
| Bull Terrier | $108 | $1,299 |
| Burmese | $42 | $502 |
| Cairn Terrier | $78 | $939 |
| Cane Corso | $140 | $1,684 |
| Caucasian Shepherd Dog | $127 | $1,524 |
| Cavachon | $63 | $754 |
| Cavalier King Charles Spaniel | $87 | $1,044 |
| Cavapoo | $59 | $717 |
| Central Asian Shepherd Dog | $121 | $1,456 |
| Chihuahua | $54 | $651 |
| Chinchilla | $42 | $508 |
| Chow Chow | $92 | $1,099 |
| Clumber Spaniel | $104 | $1,249 |
| Cockapoo | $59 | $705 |
| Cocker spaniel | $91 | $1,085 |
| Collie | $86 | $1,025 |
| Corgi | $96 | $1,156 |
| Cornish Rex | $47 | $562 |
| Coton De Tulear | $69 | $825 |
| Dachshund | $70 | $837 |
| Dalmatian | $107 | $1,289 |
| Devon Rex | $44 | $532 |
| Dingo | $69 | $831 |
| Doberman Pincher | $125 | $1,500 |
| Doberman Pinscher | $166 | $1,987 |
| Dogue de Bordeaux | $170 | $2,045 |
| Domestic Shorthair | $36 | $439 |
| English Bulldog | $156 | $1,867 |
| English Foxhound | $77 | $921 |
| English Mastiff | $154 | $1,845 |
| English Pointer | $94 | $1,128 |
| English Setter | $92 | $1,105 |
| English Springer Spaniel | $83 | $996 |
| English Toy Terrier | $72 | $861 |
| Estrela Mountain Dog | $113 | $1,361 |
| Exotic Shorthair | $53 | $639 |
| Field Spaniel | $91 | $1,099 |
| Finnish Lapphund | $80 | $955 |
| Foxhound | $77 | $925 |
| Fox Terrier | $73 | $874 |
| French Bulldog | $146 | $1,748 |
| German Pinscher | $73 | $872 |
| German Shepherd | $93 | $1,110 |
| German Shorthaired Pointer | $83 | $996 |
| German Spitz | $88 | $1,057 |
| Giant Mix (100 pounds+) | $89 | $1,066 |
| Giant Mix (110 pounds+) | $84 | $1,005 |
| Giant Mix (111 pounds+) | $77 | $919 |
| Giant Mix (90 pounds+) | $113 | $1,348 |
| Goldendoodle | $73 | $879 |
| Golden Retriever | $96 | $1,151 |
| Gordon Setter | $108 | $1,299 |
| Great Dane | $155 | $1,859 |
| Great Pyrenees | $105 | $1,257 |
| Greyhound | $102 | $1,226 |
| Groodle | $66 | $790 |
| Harrier | $89 | $1,069 |
| Havanese | $62 | $742 |
| Himalayan | $46 | $553 |
| Hungarian Vizsla | $106 | $1,277 |
| Husky | $75 | $893 |
| Icelandic Sheepdog | $78 | $940 |
| Irish Setter | $100 | $1,201 |
| Irish Terrier | $80 | $954 |
| Italian Greyhound | $77 | $926 |
| Italian Spinone | $92 | $1,107 |
| Jack Russell Terrier | $60 | $716 |
| Japanese Chin | $70 | $836 |
| Japanese Spitz | $68 | $812 |
| Kangal Shepherd Dog | $152 | $1,819 |
| Keeshond | $86 | $1,030 |
| Komondor | $98 | $1,181 |
| Labradoodle | $73 | $872 |
| Labrador Retriever | $94 | $1,127 |
| Large Mix (51-100 pounds) | $77 | $924 |
| Large Mix (51-110 pounds) | $70 | $846 |
| Large Mix (55-90 pounds) | $78 | $944 |
| Large Mix (60-109 pounds) | $84 | $1,005 |
| Large Mix (61+ pounds) | $77 | $925 |
| Large Mix (71+ pounds) | $140 | $1,685 |
| Large Mix (Over 70 pounds) | $76 | $920 |
| Lhasa Apso | $69 | $828 |
| Lurcher | $105 | $1,261 |
| Maine Coon | $51 | $609 |
| Maltese | $67 | $810 |
| Maltipoo | $57 | $682 |
| Medium Mix (20-55 pounds) | $61 | $738 |
| Medium Mix (20-70 pounds) | $65 | $775 |
| Medium Mix (21-70 pounds) | $145 | $1,746 |
| Medium Mix (23-70 pounds) | $77 | $927 |
| Medium Mix (26-50 pounds) | $64 | $772 |
| Medium Mix (26-59 pounds) | $84 | $1,005 |
| Medium Mix (31-50 pounds) | $65 | $775 |
| Medium Mix (31-59 pounds) | $64 | $762 |
| Miniature Bull Terrier | $108 | $1,302 |
| Miniature Dachshund | $75 | $901 |
| Miniature Fox Terrier | $75 | $897 |
| Miniature Pinscher | $69 | $829 |
| Miniature Poodle | $65 | $777 |
| Miniature Schnauzer | $76 | $908 |
| Mixed Breed | $83 | $994 |
| Mixed Breed Giant (>90 lbs) | $117 | $1,410 |
| Mixed Breed Large (51-90 lbs) | $77 | $924 |
| Mixed Breed Medium (31-50 lbs) | $58 | $689 |
| Mixed Breed Small (>10 lbs) | $48 | $573 |
| Mixed Breed Small (11-30 lbs) | $50 | $601 |
| Mixed breed Small (up to 20lbs when full grown) | $47 | $556 |
| Mixed Dog (21-50 pounds) | $68 | $820 |
| Mixed Dog (51-90 pounds) | $83 | $984 |
| Mixed Dog (91 pounds+) | $87 | $1,037 |
| Morkie | $57 | $685 |
| Munchkin | $42 | $501 |
| Newfoundland | $150 | $1,795 |
| Norfolk Terrier | $83 | $993 |
| Norwegian Elkhound | $79 | $946 |
| Norwegian Forest cat | $44 | $530 |
| Norwich Terrier | $75 | $899 |
| Olde English Bulldogge | $174 | $2,083 |
| Old English Buldogge | $135 | $1,626 |
| Old English Sheepdog | $102 | $1,224 |
| Papillon | $65 | $785 |
| Pekingese | $73 | $870 |
| Pembroke Welsh Corgi | $83 | $996 |
| Persian | $48 | $576 |
| Peruvian Hairless Dog | $70 | $840 |
| Petit Basset Griffon Vendeen | $105 | $1,264 |
| Petit Basset Griffon Vendeens | $85 | $1,026 |
| Pitbull | $104 | $1,254 |
| Pointer | $86 | $1,031 |
| Pomeranian | $69 | $823 |
| Portuguese Water Dog | $92 | $1,098 |
| Pug | $88 | $1,050 |
| Puggle | $61 | $736 |
| Puli | $82 | $985 |
| Ragdoll | $38 | $451 |
| Rhodesian Ridgeback | $108 | $1,295 |
| Rottweiler | $148 | $1,770 |
| Rough Collie | $89 | $1,069 |
| Russian Blue | $42 | $511 |
| Saint Bernard | $159 | $1,906 |
| Saluki | $88 | $1,061 |
| Samoyed | $86 | $1,038 |
| Savannah | $50 | $598 |
| Schnoodle | $63 | $750 |
| Scottish Deerhound | $121 | $1,446 |
| Scottish Fold | $46 | $555 |
| Scottish Terrier | $89 | $1,067 |
| Serengeti | $47 | $561 |
| Shar Pei | $134 | $1,606 |
| Shetland Sheepdog | $73 | $879 |
| Shiba Inu | $65 | $787 |
| Shih Tzu | $59 | $705 |
| Siamese | $38 | $461 |
Is Nationwide Pet Insurance Expensive?
Nationwide ranks 13th for cats and 14th for dogs in affordability. Your final premium reflects your pet’s age, chosen deductible, annual limit and reimbursement rate.
Data filtered by:
Dog
Middle Aged
$500
$5,000
80%
| $106 | $1,274 | 48% |
Nationwide Pet Insurance Discounts
Nationwide offers pet insurance discounts including a multi-pet discount for families with several animals. You can also save through employer group benefits and existing customer programs.
Nationwide member | 5% | Available to existing Nationwide insurance customers when they buy a new pet policy |
Multi-pet discount | 5% | Enroll two or more pets with Nationwide |
Employer/group discounts | Not specified | Offered when coverage is purchased through an employer benefit program or association (My Pet Protection and similar group plans) |
Nationwide Pet Insurance Customer Service Reviews and Ratings
Nationwide ranks fourth nationally for customer service with cats and dogs. Nationwide earns an A+ Better Business Bureau rating but scores 2.3 out of 5 on Trustpilot. Reddit users share split opinions. Some customers praise responsive service representatives, while others report claim denials and slow processing times.
Nationwide Trustpilot Reviews
Nationwide earns a 4.3 out of 5 rating on Trustpilot from verified customers who rate its service and claims handling. Most policyholders report positive experiences with Nationwide's coverage and support team. Trustpilot collects verified reviews to give consumers honest feedback about companies.
Nationwide Better Business Bureau Rating
Nationwide holds an A+ rating from the Better Business Bureau and maintains BBB Accredited Business status. The A+ grade is BBB's top rating, showing Nationwide meets its standards for trust and resolves customer complaints well. BBB accreditation requires companies to address customer issues and follow ethical business practices.
Nationwide Pet Insurance Reddit Sentiment
Reddit users are split on Nationwide pet insurance. We analyzed 14 comments and found 43% positive, with six favorable reviews and eight negative ones. Customers praised responsive customer service and clear policy terms. Others cited claim denials, coverage gaps and issues with the claims process.
Nationwide Pet Insurance Coverage
Nationwide offers pet insurance coverage for dogs and cats with customizable policies. Pet owners choose from different coverage levels and optional add-ons to fit their budget and pet's needs.
$250, $500, $1,000 | |
$2,000 to $10,000 | |
50%, 70%, 80% | |
Coverage for accident-only plan | Treats injuries from accidents including fractures, ingesting foreign objects, bites, poisoning, emergency surgery and related diagnostics and medications |
Coverage for accident and illness plan | Adds treatment for illnesses, chronic conditions, cancer, diagnostics, hospitalization, surgery, prescription medications and specialist services |
Pre-existing conditions | Curable pre-existing conditions may be covered if cured and symptom-free for six months |
Bilateral conditions | If a condition affects one side as a pre-existing condition, the opposite side may be excluded as bilateral |
2 days for accidents, 14 days for illnesses, 12 months for cruciate ligament conditions | |
Enrollment restrictions | Cats that are 8 years old and above are not eligible for hereditary coverage |
Provides coverage for exotic pets including small mammals, birds, reptiles and amphibians; requires you to call directly for quotes | |
*Coverage varies by state and policy terms. Always review your specific policy documents and consult your insurance provider to understand exact coverage terms, exclusions, limitations and waiting periods before enrollment.
Nationwide Pet Insurance Coverage Add-Ons
Nationwide offers optional wellness coverage and hereditary condition coverage that can be added to your base policy. Availability and benefit levels depend on the product and state.
Wellness coverage | Covers physical exams, vaccinations, heartworm or FeLV/FIV test, deworming, microchip and health certificates, with annual benefit limits of either $450 or $800 |
Hereditary and Congenital Condition coverage | Provides coverage for hip dysplasia, patellar luxation, collapsed trachea, Wobblers syndrome and more |
Is Nationwide Pet Insurance Good: Bottom Line
Nationwide charges $94 monthly for dog insurance and $41 for cat coverage on average. The company ranks fourth nationally for customer experience and maintains moderate Trustpilot and BBB ratings. Pet owners can select from accident-only or comprehensive accident and illness plans, with optional wellness coverage available for routine care needs.
Browse through our review guides for the top pet insurance companies for your pet:
Nationwide Pet Insurance Review: FAQ
Find answers to common questions about Nationwide pet insurance coverage below.
Is Nationwide pet insurance worth it in 2025?
Whether Nationwide pet insurance is worth it in 2025 depends on what matters most to you. Nationwide ranks fourth nationally for customer experience, so you'll get solid support when filing claims. The coverage options are comprehensive, but you'll pay more than competitors at $94 monthly for dogs and $41 for cats on average. Nationwide ranks 13th for cats and 14th for dogs in affordability.
What do Reddit users really think about Nationwide pet insurance?
Reddit users are split on Nationwide. We analyzed 14 comments and found 43% positive, with six favorable reviews and eight negative ones. Users praised responsive customer service but criticized slow claim processing and coverage restrictions that limit reimbursements.
Does Nationwide cover pre-existing conditions for pets?
Nationwide excludes pre-existing conditions from coverage. However, curable conditions may become eligible if your pet remains symptom-free and treatment-free for 180 days. Chronic conditions, knee injuries and ligament problems remain permanently excluded from coverage.
Can I get a discount for insuring multiple pets with Nationwide?
Nationwide provides a multiple pet discount when you insure several pets on one policy. The company also offers savings through AAA membership, workplace benefits and other qualifying programs that can reduce your premium costs.
Is Nationwide pet insurance available in my state?
Yes, Nationwide pet insurance operates in all 50 states. Premium costs differ by location. Cat coverage starts at $31 monthly in Arkansas and reaches $54 in Washington. Dog insurance ranges from $72 per month in Arkansas to $133 in Washington.
How We Rated Nationwide Pet Insurance
Pet insurance shopping can be challenging with so many options available. We analyzed how Nationwide performs across the following key areas:
Affordability (50% of score): We gathered premium quotes spanning various pet breeds, ages and plan types, then factored in available discounts to reflect actual costs you'd pay.
Customer Experience (30% of score): Real user reviews and ratings from platforms like Trustpilot and Reddit were analyzed to gauge genuine customer satisfaction.
Coverage Options (20% of score): We examined policy benefits, available add-ons and overall coverage breadth to assess how well plans meet diverse pet owner needs.
All quotes were standardized using a 6-year-old Labrador Retriever and 7-year-old Ragdoll with $500 deductible, $5,000 annual limit and 80% reimbursement rate.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Better Business Bureau. "Nationwide." Accessed November 29, 2025.
- Trustpilot. "Nationwide Pet Insurance." Accessed November 29, 2025.