Nationwide Pet Insurance review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Nationwide Pet Insurance suits US pet owners who want accident and illness cover from an insurer founded in 1926. Premiums start at $11 a month, with monthly payments available, but the starting price sits above the pet insurance median of €8.31.
Key facts
- Best for
- US pet owners who want an insurer with monthly payments and online or phone claims.
- Premium from
- $11↗
- Insurance types
- Pet↗
- Provider type
- Insurer↗
- Monthly payments
- Yes↗
- Excess from
- $100↗
- Cover limit
- USD 2,500 to 10,000 max annual benefit (Modular Pet Insurance Plan); USD 10,000 (Whole Pet)↗
- Claims channels
- Online portal, Phone↗
- 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)↗
- Legal entity
- National Casualty Company↗
- Headquarters
- United States↗
- Founded
- 1926↗
- Support channels
- Phone, Email, Help-centre↗
- Pricing model
- Monthly
- Official website
- petinsurance.com
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Elsewhere
- TrustpilotLinkedIn
Pros and cons
Pros
- Premiums start at $11 a month, with monthly payments available
- Written by an insurer, National Casualty Company, rather than a broker
- Claims run through an online portal and by phone
- Annual benefit runs to USD 2,500 to 10,000 max annual benefit (Modular Pet Insurance Plan); USD 10,000 (Whole Pet) on the Whole Pet plan
Cons
- An excess of $100 applies to claims
- Cover limit on the Modular plan runs USD 2,500 to 10,000 max annual benefit (Modular Pet Insurance Plan); USD 10,000 (Whole Pet), below the Whole Pet level
- Pet cover is the only type listed under pet
Who it suits
- US pet owners covering a dog or cat against accident and illness
- Owners who prefer dealing with the insurer itself, National Casualty Company
- Pet parents who file claims online or by phone
Who should look elsewhere
- Anyone wanting a non-US provider
- Owners who need the highest annual benefit on the Modular plan
How Nationwide Pet Insurance compares
9.1 vs 8.6
9.1 vs 9.4
9.1 vs 9.3
9.1 vs 9.4
9.1 vs 8.7
9.1 vs 8.5
9.1 vs 9.4
9.1 vs 8.7
9.1 vs 9.0
9.1 vs 8.7
9.1 vs 9.4
9.1 vs 9.2
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 8.7A life and savings provider whose premiums start at €25, with no pet cover listed.
9.1 vs 9.0
9.1 vs 8.8A banking brand rather than a pet insurer, with a different cost base starting at €0.
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 9.0
9.1 vs 8.3
9.1 vs 9.5
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.3
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 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 8.9- 9.1 vs 8.6
9.1 vs 8.6
9.1 vs 8.5
9.1 vs 8.4
9.1 vs 8.3
9.1 vs 8.3
9.1 vs 8.2- 9.1 vs 8.0
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
How much does Nationwide Pet Insurance cost?+
Premiums start at $11 a month, which is above the pet insurance median of €8.31. Cover carries an excess of $100, so the amount you keep back on a claim is set before the rest is paid out.
Who underwrites the policy?+
The policy is underwritten by National Casualty Company, an insurer rather than a broker, so you deal with the company that carries the risk. Head office is in the United States, and the group was founded in 1926.
What is the maximum cover?+
Annual benefit depends on the plan. On the Modular plan the limit runs from USD 2,500 to 10,000 max annual benefit (Modular Pet Insurance Plan); USD 10,000 (Whole Pet) in a year, while the Whole Pet plan pays up to the full USD 2,500 to 10,000 max annual benefit (Modular Pet Insurance Plan); USD 10,000 (Whole Pet) figure. Check which plan the quote covers.
How do I make a claim?+
Claims run through online portal and phone, so you can file online in the portal or by phone. Support questions go through phone, email and help centre, which adds email and a help centre for policy detail.
Can I pay monthly?+
Monthly payments are available, so the premium can be spread across the year rather than settled up front. The policy is sold on a monthly payment model, which keeps the cash flow predictable.
Which pets can be covered?+
Pet cover is the only type listed under pet, so the policy is aimed at dogs and cats rather than other animals. Enrollment opens from a minimum age, and new illness cover is capped by age at enrollment, with a separate, tighter limit on the Major Medical plan.
Is the provider regulated?+
The licence lists an Ohio state insurance authority as the regulator, and the provider is headquartered in the United States. No protection scheme detail is listed alongside the licence, so check the wording for the state you live in.
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 who want an insurer with monthly payments and online or phone claims.