Nationwide Pet Insurance review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Nationwide Pet Insurance is a sensible choice for US pet owners who want cover from an established insurer rather than a broker, with monthly premiums from $11 and an excess from $100. Its cost score is 4.1, so the price sits in the middle of the pet market rather than at either edge.
Key facts
- Best for
- US pet owners paying monthly for cover from a long-standing insurer
- Premium from
- $11 (Source, checked September 26, 2026)
- Insurance types
- Pet (Source, checked September 26, 2026)
- Provider type
- Insurer (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Excess from
- $100 (Source, checked September 26, 2026)
- Cover limit
- USD 2,500 to 10,000 max annual benefit (Modular Pet Insurance Plan); USD 10,000 (Whole Pet) (Source, checked September 26, 2026)
- Claims channels
- Online portal, Phone (Source, checked September 26, 2026)
- Age range
- Pets minimum 8 weeks old at application; new illness coverage enrollment for dogs and cats 8 years and younger (Major Medical: 9 years and younger) (Source, checked September 26, 2026)
- Legal entity
- National Casualty Company (Source, checked September 26, 2026)
- Headquarters
- United States (Source, checked September 26, 2026)
- Founded
- 1926 (Source, checked September 26, 2026)
- Support channels
- Phone, Email, Help-centre (Source, checked September 26, 2026)
- Pricing model
- Monthly
- Official website
- petinsurance.com
Apps and profiles
- Elsewhere
- TrustpilotLinkedIn
Pros and cons
Pros
- An excess from $100 tells you plainly what a claim leaves you to pay
- Claims run through online portal and phone, so there is an online route and a phone route
- Premiums start at $11, against a €3.98 lower quartile for pet brands
- The policy is written by National Casualty Company, a group that has been operating since 1926
Cons
- Cover is limited to pet, so there is no wider policy to bundle with it
- An excess from $100 is a real cost on a smaller claim
- New illness cover runs on an Pets minimum 8 weeks old at application; new illness coverage enrollment for dogs and cats 8 years and younger (Major Medical: 9 years and younger) basis, which rules out older pets
Who it suits
- US dog and cat owners who prefer to pay monthly
- Owners who want pet cover handled by an insurer they deal with directly
- Pet owners who want a phone option alongside online claims
Who should look elsewhere
- Owners who want pet and home or life cover in one place, since Good Sam Insurance Agency lists auto, home and renters and this brand lists pet
- Anyone unwilling to pay an excess from $100 on a claim
- Owners of older pets needing new illness cover, given the Pets minimum 8 weeks old at application; new illness coverage enrollment for dogs and cats 8 years and younger (Major Medical: 9 years and younger) rule
Safety and regulation
Nationwide Pet Insurance writes its own cover as an insurer, so the contract sits with the insurer rather than a broker or a comparison site. It is overseen by an Ohio state insurance authority. Claims run through online portal and phone, which is where the handling of your money and your pet's treatment is actually decided.
Who runs it
The policy is written by National Casualty Company, based in the United States, and the group dates back to 1926. Support runs on phone, email and help centre, and monthly payments are available, so the account works the same way most pet policies do. The pet line is the only one listed, which keeps the scope simple but narrow.
How Nationwide Pet Insurance compares
9.1 vs 8.6
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 8.8
9.1 vs 8.7
9.1 vs 9.0
9.1 vs 9.4
9.1 vs 9.3
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 9.3- 9.1 vs 9.3
9.1 vs 9.3Max Life Insurance
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2- 9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 8.8
9.1 vs 8.8
9.1 vs 8.6- 9.1 vs 8.4
- 9.1 vs 8.2
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Where Nationwide Pet Insurance is available
- Available
- United States
- Licence in United States
- Ohio state insurance authority (not named in source), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Nationwide Pet Insurance cost?+
Premiums start at $11 for the Modular plan. Across the pet brands on the site the median starting premium is €8.88, with a lower quartile of €3.98 and an upper quartile of €32.43, so this sits a little under the middle.
What excess do I pay on a pet claim?+
The excess starts at $100, and it is the amount a claim leaves you to pay. It is the number to weigh against the monthly premium, because a higher excess makes a small claim cheaper to carry but more costly when it happens.
Who regulates Nationwide Pet Insurance?+
It operates as an insurer, so it underwrites the policy itself rather than selling another insurer's cover. The overseeing authority is an Ohio state insurance authority, and claims are handled through online portal and phone under National Casualty Company.
How do I make a claim?+
Claims run through online portal and phone, which gives you an online portal and a phone line. Support questions go through phone, email and help centre. The portal suits paperwork you can upload, and the phone suits a claim you need to talk through.
Can I pay monthly?+
Monthly payments are available, so the account is not tied to a single yearly payment. Monthly pricing is the norm in this category, since 95.9% of pet brands on the site also bill monthly.
What does the policy actually cover?+
The cover is pet insurance, listed under pet, with a whole pet plan offered alongside a modular plan. The maximum annual benefit is set within each plan rather than as a single figure across the range.
How old must my pet be?+
Eligibility follows an Pets minimum 8 weeks old at application; new illness coverage enrollment for dogs and cats 8 years and younger (Major Medical: 9 years and younger) rule: pets can be insured from a minimum age, and new illness cover for dogs and cats is open up to a stated age, with the major medical plan a year tighter. Older animals fall outside new illness cover.
Can I get pet cover with my home and life insurance?+
Not here, because this brand lists pet only. Good Sam Insurance Agency is the alternative if you want pet alongside auto, home, renters, life, health, travel and motorcycle cover, since it lists auto, home and renters.
Sources
- en.wikipedia.org/wiki/Nationwide_Mutual_Insurance_Company checked September 26, 2026
Backs: Founded, Licences
“Founded April 14, 1926”
- petinsurance.com/about-us checked September 26, 2026
Backs: Claims channels, Excess from, Monthly payments
“Quickly and easily submit claims online for things like illnesses, injuries or emergency care.”
- petinsurance.com/all-products checked September 26, 2026
Backs: Age range, Cover limit, Insurance types, Pricing model, Premium from
“Pets must be a minimum of 8 weeks of age at time of application. New enrollment in Illness coverage is only available for dogs and cats 8 years and younger”
- petinsurance.com/contact checked September 26, 2026
Backs: Support channels
“Member care 800-540-2016 ... send us an email ... FAQs”
- petinsurance.com/underwriting checked September 26, 2026
Backs: Provider type, Headquarters, Legal entity
“Nationwide pet insurance products underwritten by Veterinary Pet Insurance Company (CA), Columbus, OH; National Casualty Company (all other states), Columbus, OH.”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Nationwide Pet Insurance
US pet owners paying monthly for cover from a long-standing insurer