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: April 28, 2026
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 | 1.66 | 14 |
| Coverage | 2.14 | 9 |
| Overall Score | 2.5 | 14 |
| Customer Experience | 4.16 | 4 |
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 | 2.5 | 13 |
| Alaska | 2.5 | 13 |
| Arkansas | 2.5 | 14 |
| Hawaii | 2.5 | 12 |
| Idaho | 2.5 | 14 |
| Indiana | 2.5 | 14 |
| Iowa | 2.5 | 14 |
| Kansas | 2.5 | 14 |
| Kentucky | 2.5 | 13 |
| Louisiana | 2.5 | 14 |
| Maine | 2.5 | 14 |
| Maryland | 2.5 | 14 |
| Mississippi | 2.5 | 13 |
| Missouri | 2.5 | 14 |
| Montana | 2.5 | 14 |
| Nebraska | 2.5 | 14 |
| New Mexico | 2.5 | 13 |
| North Carolina | 2.5 | 13 |
| North Dakota | 2.5 | 14 |
| Oklahoma | 2.5 | 14 |
| Pennsylvania | 2.5 | 14 |
| Rhode Island | 2.5 | 14 |
| South Carolina | 2.5 | 13 |
| South Dakota | 2.5 | 14 |
| Tennessee | 2.5 | 14 |
| Utah | 2.5 | 12 |
| Vermont | 2.5 | 14 |
| Washington | 2.5 | 14 |
| West Virginia | 2.5 | 14 |
| Wyoming | 2.5 | 14 |
| Florida | 2.55 | 14 |
| Georgia | 2.55 | 13 |
| Michigan | 2.55 | 13 |
| Minnesota | 2.55 | 13 |
| Nevada | 2.6 | 14 |
| Texas | 2.6 | 14 |
| Virginia | 2.6 | 12 |
| Delaware | 2.65 | 12 |
| New Hampshire | 2.65 | 11 |
| Wisconsin | 2.65 | 11 |
| Massachusetts | 2.7 | 12 |
| New York | 2.7 | 12 |
| Ohio | 2.7 | 11 |
| Connecticut | 2.75 | 11 |
| New Jersey | 2.75 | 11 |
| Colorado | 2.8 | 11 |
| Illinois | 2.8 | 12 |
| Arizona | 2.85 | 11 |
| Oregon | 2.85 | 11 |
| California | 2.9 | 11 |
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.
| Cat | $41 | $32 | $489 | $379 | 29% |
| Dog | $94 | $60 | $1,127 | $723 | 56% |
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
| Arkansas | $72 | $859 |
| Alabama | $76 | $916 |
| North Dakota | $77 | $923 |
| Louisiana | $79 | $949 |
| Missouri | $82 | $978 |
| Ohio | $82 | $981 |
| Montana | $82 | $990 |
| Georgia | $83 | $991 |
| Oklahoma | $84 | $1,003 |
| West Virginia | $84 | $1,010 |
| Iowa | $84 | $1,012 |
| Mississippi | $85 | $1,018 |
| Rhode Island | $86 | $1,035 |
| Indiana | $86 | $1,038 |
| South Dakota | $87 | $1,039 |
| Kentucky | $87 | $1,043 |
| North Carolina | $88 | $1,061 |
| Nebraska | $88 | $1,062 |
| Utah | $89 | $1,063 |
| Kansas | $89 | $1,064 |
| Tennessee | $89 | $1,065 |
| Vermont | $89 | $1,069 |
| New Mexico | $90 | $1,076 |
| Delaware | $91 | $1,094 |
| Michigan | $92 | $1,102 |
| Alaska | $92 | $1,107 |
| Wyoming | $93 | $1,122 |
| South Carolina | $94 | $1,126 |
| Hawaii | $94 | $1,132 |
| Nevada | $94 | $1,134 |
| Idaho | $95 | $1,136 |
| Minnesota | $95 | $1,141 |
| Texas | $96 | $1,149 |
| Wisconsin | $96 | $1,157 |
| New York | $97 | $1,160 |
| Pennsylvania | $97 | $1,159 |
| Virginia | $97 | $1,160 |
| Maryland | $99 | $1,192 |
| New Jersey | $100 | $1,197 |
| Connecticut | $100 | $1,201 |
| New Hampshire | $104 | $1,249 |
| Arizona | $104 | $1,250 |
| Florida | $104 | $1,252 |
| Oregon | $106 | $1,276 |
| California | $107 | $1,281 |
| Illinois | $107 | $1,288 |
| Colorado | $109 | $1,308 |
| Maine | $114 | $1,365 |
| Massachusetts | $114 | $1,372 |
| Washington | $133 | $1,600 |
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
| Domestic Shorthair | $36 | $439 |
| British Longhair | $37 | $441 |
| Ragdoll | $38 | $451 |
| Bombay | $38 | $454 |
| Siamese | $38 | $461 |
| Small Mix (Under 20 pounds) | $39 | $466 |
| Tonkinese | $41 | $492 |
| Munchkin | $42 | $501 |
| Burmese | $42 | $502 |
| Chinchilla | $42 | $508 |
| Russian Blue | $42 | $511 |
| Snowshoe | $43 | $518 |
| Norwegian Forest cat | $44 | $530 |
| Devon Rex | $44 | $532 |
| Birman | $45 | $536 |
| Small Mix (11-25) | $45 | $535 |
| Australian Mist | $45 | $537 |
| Balinese | $45 | $540 |
| Small Mix (10 and less pounds) | $45 | $545 |
| Himalayan | $46 | $553 |
| Small Mix (0-20) | $46 | $546 |
| Scottish Fold | $46 | $555 |
| Bengal | $46 | $558 |
| Small Mix (1-10 pounds) | $47 | $560 |
| Mixed breed Small (up to 20lbs when full grown) | $47 | $556 |
| Serengeti | $47 | $561 |
| Cornish Rex | $47 | $562 |
| British Shorthair | $48 | $573 |
| Persian | $48 | $576 |
| Siberian | $48 | $579 |
| Mixed Breed Small (>10 lbs) | $48 | $573 |
| Mixed Breed Small (11-30 lbs) | $50 | $601 |
| Savannah | $50 | $598 |
| Sphynx | $50 | $604 |
| Maine Coon | $51 | $609 |
| Abyssinian | $52 | $623 |
| Exotic Shorthair | $53 | $639 |
| Small Mix (25 and less pounds) | $54 | $640 |
| Small Mix (11-30) | $54 | $650 |
| Chihuahua | $54 | $651 |
| Small Mix (22 pounds or less) | $56 | $670 |
| Maltipoo | $57 | $682 |
| Morkie | $57 | $685 |
| Toy Mix (10 and less pounds) | $57 | $690 |
| Mixed Breed Medium (31-50 lbs) | $58 | $689 |
| Cockapoo | $59 | $705 |
| Shih Tzu | $59 | $705 |
| Cavapoo | $59 | $717 |
| Jack Russell Terrier | $60 | $716 |
| Medium Mix (20-55 pounds) | $61 | $738 |
| Puggle | $61 | $736 |
| Havanese | $62 | $742 |
| Schnoodle | $63 | $750 |
| Cavachon | $63 | $754 |
| Medium Mix (31-59 pounds) | $64 | $762 |
| Yorkshire terrier | $64 | $763 |
| Medium Mix (26-50 pounds) | $64 | $772 |
| Medium Mix (20-70 pounds) | $65 | $775 |
| Medium Mix (31-50 pounds) | $65 | $775 |
| Miniature Poodle | $65 | $777 |
| Australian Shepherd | $65 | $778 |
| Papillon | $65 | $785 |
| Shiba Inu | $65 | $787 |
| Groodle | $66 | $790 |
| Australian Silky Terrier | $67 | $802 |
| Toy Poodle | $67 | $807 |
| Maltese | $67 | $810 |
| Japanese Spitz | $68 | $812 |
| Border Collie | $68 | $816 |
| Mixed Dog (21-50 pounds) | $68 | $820 |
| Basenji | $68 | $819 |
| Pomeranian | $69 | $823 |
| Coton De Tulear | $69 | $825 |
| Lhasa Apso | $69 | $828 |
| Dingo | $69 | $831 |
| Miniature Pinscher | $69 | $829 |
| Japanese Chin | $70 | $836 |
| Dachshund | $70 | $837 |
| Peruvian Hairless Dog | $70 | $840 |
| Australian Terrier | $70 | $843 |
| Large Mix (51-110 pounds) | $70 | $846 |
| American Eskimo | $72 | $861 |
| English Toy Terrier | $72 | $861 |
| Siberian Husky | $72 | $868 |
| Pekingese | $73 | $870 |
| Labradoodle | $73 | $872 |
| German Pinscher | $73 | $872 |
| Fox Terrier | $73 | $874 |
| Bichon Frise | $73 | $878 |
| Goldendoodle | $73 | $879 |
| Border Terrier | $73 | $880 |
| Shetland Sheepdog | $73 | $879 |
| Welsh Springer Spaniel | $74 | $892 |
| Husky | $75 | $893 |
| Miniature Fox Terrier | $75 | $897 |
| Norwich Terrier | $75 | $899 |
| West Highland White Terrier | $75 | $901 |
| Miniature Dachshund | $75 | $901 |
| Miniature Schnauzer | $76 | $908 |
| American Foxhound | $76 | $911 |
| Large Mix (Over 70 pounds) | $76 | $920 |
| Bearded Collie | $77 | $917 |
| Giant Mix (111 pounds+) | $77 | $919 |
| Welsh Corgi Cardigan | $77 | $923 |
| English Foxhound | $77 | $921 |
| Large Mix (51-100 pounds) | $77 | $924 |
| Boston Terrier | $77 | $922 |
| Australian Cattle Dog | $77 | $925 |
| Large Mix (61+ pounds) | $77 | $925 |
| Foxhound | $77 | $925 |
| American Hairless Terrier | $77 | $925 |
| Italian Greyhound | $77 | $926 |
| Medium Mix (23-70 pounds) | $77 | $927 |
| Mixed Breed Large (51-90 lbs) | $77 | $924 |
| Brussels Griffon | $78 | $930 |
| Whippet | $78 | $937 |
| Large Mix (55-90 pounds) | $78 | $944 |
| Icelandic Sheepdog | $78 | $940 |
| Cairn Terrier | $78 | $939 |
| Norwegian Elkhound | $79 | $946 |
| Standard Schnauzer | $79 | $954 |
| Finnish Lapphund | $80 | $955 |
| Irish Terrier | $80 | $954 |
| Affenpinscher | $80 | $965 |
| Australian Kelpie | $81 | $968 |
| Alaskan Husky | $81 | $970 |
| Puli | $82 | $985 |
| Beagle | $83 | $990 |
| Mixed Breed | $83 | $994 |
| Mixed Dog (51-90 pounds) | $83 | $984 |
| Norfolk Terrier | $83 | $993 |
| English Springer Spaniel | $83 | $996 |
| Pembroke Welsh Corgi | $83 | $996 |
| Welsh Corgi Pembroke | $83 | $996 |
| German Shorthaired Pointer | $83 | $996 |
| Giant Mix (110 pounds+) | $84 | $1,005 |
| Large Mix (60-109 pounds) | $84 | $1,005 |
| Medium Mix (26-59 pounds) | $84 | $1,005 |
| Small Mix (0-25) | $84 | $1,005 |
| Smooth Collie | $84 | $1,007 |
| Wire Fox Terrier | $85 | $1,018 |
| Petit Basset Griffon Vendeens | $85 | $1,026 |
| Collie | $86 | $1,025 |
| Tibetan Terrier | $86 | $1,028 |
| Keeshond | $86 | $1,030 |
| Pointer | $86 | $1,031 |
| Samoyed | $86 | $1,038 |
| Mixed Dog (91 pounds+) | $87 | $1,037 |
| Cavalier King Charles Spaniel | $87 | $1,044 |
| Pug | $88 | $1,050 |
| German Spitz | $88 | $1,057 |
| Standard Poodle | $88 | $1,059 |
| Saluki | $88 | $1,061 |
| Welsh Terrier | $89 | $1,064 |
| Scottish Terrier | $89 | $1,067 |
| Rough Collie | $89 | $1,069 |
| Harrier | $89 | $1,069 |
| Giant Mix (100 pounds+) | $89 | $1,066 |
| Staffordshire Bull Terrier | $90 | $1,077 |
| Soft Coated Wheaten Terrier | $90 | $1,076 |
| Belgian Shepherd Malinois | $90 | $1,079 |
| Vizsla | $90 | $1,080 |
| Cocker spaniel | $91 | $1,085 |
| Afghan Hound | $91 | $1,090 |
| Field Spaniel | $91 | $1,099 |
| Portuguese Water Dog | $92 | $1,098 |
| Chow Chow | $92 | $1,099 |
| English Setter | $92 | $1,105 |
| Italian Spinone | $92 | $1,107 |
| German Shepherd | $93 | $1,110 |
| Labrador Retriever | $94 | $1,127 |
| English Pointer | $94 | $1,128 |
| Golden Retriever | $96 | $1,151 |
| Basset Fauve de Bretagne | $96 | $1,154 |
| Corgi | $96 | $1,156 |
| Alaskan Malamute | $98 | $1,177 |
| Bracco Italiano | $98 | $1,182 |
| Komondor | $98 | $1,181 |
| Akita | $99 | $1,189 |
| Irish Setter | $100 | $1,201 |
| Airedale Terrier | $101 | $1,212 |
| Briard | $101 | $1,216 |
| Old English Sheepdog | $102 | $1,224 |
| Greyhound | $102 | $1,226 |
| American Staffordshire Terrier | $104 | $1,244 |
| Alsation | $104 | $1,241 |
| Clumber Spaniel | $104 | $1,249 |
| Pitbull | $104 | $1,254 |
| Great Pyrenees | $105 | $1,257 |
| Lurcher | $105 | $1,261 |
| Petit Basset Griffon Vendeen | $105 | $1,264 |
| Hungarian Vizsla | $106 | $1,277 |
| Dalmatian | $107 | $1,289 |
| Rhodesian Ridgeback | $108 | $1,295 |
| Bull Terrier | $108 | $1,299 |
| Alsatian | $108 | $1,299 |
| Gordon Setter | $108 | $1,299 |
| Miniature Bull Terrier | $108 | $1,302 |
| Basset Hound | $109 | $1,307 |
| Weimaraner | $109 | $1,314 |
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.
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 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 |
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 Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. As editorial lead for both verticals, Connor sets the research framework, data standards, and content structure that his writers execute, directly authoring in-depth guides himself and reviewing all team content for accuracy and practical value before it goes live. With over four years evaluating insurance products across personal, commercial, and specialty lines, he brings cross-vertical knowledge to every guide the team produces.
Connor architected MoneyGeek's insurance research infrastructure across all major verticals including auto, home, renters, life, health, business, and pet, building systems for pricing analysis, provider-level research, customer experience evaluation, and coverage analysis with AI support. The infrastructure includes over 6 million data points for business insurance across 408 industry areas, all 50 states, and 16 vehicle types, and over 5 million pet insurance profiles across 18 major providers and hundreds of breed and age combinations. Connor's insurance cost research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Beyond the data, Connor stays connected to how the market actually operates, drawing on direct conversations with underwriters and carrier liaisons at Ethos, The Hartford, NEXT Insurance, Nationwide, and State Farm, and monitoring business and pet owner communities including Reddit, to inform how he interprets findings and frames guidance for real buyers.
He is the direct editorial contact for methodology questions at connor@moneygeek.com and can be found on LinkedIn.
Sources
- Better Business Bureau. "Nationwide." Accessed May 8, 2026.
- Trustpilot. "Nationwide Pet Insurance." Accessed May 8, 2026.