Nationwide Pet Insurance: How To Login

Nationwide Pet Insurance login offers comprehensive coverage for a wide range of animals, including cats, dogs, birds, and exotic pets. With various customizable plans and discounts for insuring multiple pets, Nationwide aims to provide financial security for pet owners in case of accidents, illnesses, or wellness needs.

Nationwide Review

Nationwide offers pet insurance across all 50 states, not only for cats and dogs but also for birds and exotic animals like reptiles, guinea pigs, ferrets, sugar gliders, and goats. If you insure more than one pet, you can get a 5% discount for the second and third pets, and a 10% discount for every pet after that. Their coverage includes accidents and illnesses, and they also offer wellness coverage.

Nationwide Pet Insurance Overview

The coverage limits vary depending on the policy benefits, and some plans have specific allowances for certain items. There’s a 14-day waiting period for accidents and illnesses, and a 12-month waiting period for cruciate ligament injuries.

When you make a claim, Nationwide might ask for your pet’s medical records to understand their medical history and assess the claim properly. Claims are typically processed within 30 days of receiving them.

Pros & Cons


  • Covers veterinary examination fees
  • Includes a wellness plan
  • Offers a 24/7 pet telehealth hotline
  • Provides a 5% multi-pet discount
  • Current Nationwide customers receive an additional 5% discount on pet insurance
  • Nationwide’s Pet Rx Express offers preferred pricing on pet prescriptions at Walmart and Sam’s Club, with easy prescription claims processing at the pharmacy counter.


  • 12-month waiting period for cruciate ligament or meniscus (knee) injury coverage
  • Limited choice for annual coverage maximum and deductible
  • Excludes coverage for end-of-life expenses, unlike leading competitors

Nationwide Pet Insurance Plans and Coverage

Nationwide pet insurance offers a range of options for pet owners. You can choose a comprehensive plan called Whole Pet with Wellness or a simpler one like an accident-only plan.

Nationwide Accident and Illness Insurance

Whole Pet with Wellness plan

Nationwide offers different pet insurance plans, with the most comprehensive one being the Whole Pet with Wellness plan. This plan provides extensive coverage for various pet healthcare needs.

  • Coverage for accidents like poisonings, ACL ruptures, and sprains
  • Protection for common illnesses such as vomiting, diarrhea, and ear infections
  • Benefits for serious illnesses including heart disease and diabetes
  • Coverage for chronic conditions like arthritis, allergies, and skin issues
  • Protection for hereditary conditions such as hip dysplasia, blood disorders, and eye conditions
  • Coverage for testing and diagnostics, including X-rays, MRIs, ultrasounds, and blood tests
  • Support for holistic therapies like chiropractic care, laser therapy, and acupuncture
  • Coverage for medical procedures such as surgeries or chemotherapy
  • Includes wellness exams and vaccinations
  • Protection against flea and heartworm infestations

Major Medical plan

Nationwide’s Major Medical plan is a more basic accident and illness coverage compared to the Whole Pet plans. It doesn’t cover certain issues, like congenital conditions or some hereditary conditions such as heart disease. While the Whole Pet plan includes these, the Major Medical plan only covers some hereditary conditions (like hip dysplasia after 12 months of coverage).

Because it covers fewer health problems, the Major Medical plan is a more affordable option. You can also add a wellness plan to it if you like.

Pet Insurance Accident-Only Plan

Nationwide provides an “Injury plan,” which is an accident-only pet insurance. It covers expenses for injuries but not for illnesses. Since it has limited coverage, this type of plan is usually the most budget-friendly option.

Avian and Exotic Pet Plan

Nationwide’s pet insurance doesn’t just cover dogs and cats; it can also cover birds and exotic animals like chinchillas, geckos, goats, potbellied pigs, hamsters, iguanas, turtles, and snakes. Their avian and exotic pet insurance plan helps with medical expenses for these unique pets.

  • Accidents
  • Illnesses
  • Examinations
  • Hospitalizations
  • Lab fees
  • Prescription medications
  • X-rays


Nationwide’s wellness coverage plans assist in paying for routine check-ups and preventive treatments, such as:

  • Behavior exam and treatment
  • Deworming
  • Fecal test
  • Flea or heartworm prevention
  • Health certificate
  • Heartworm or FeLV/FIV test
  • Microchip
  • Nail trim
  • Physical exams (two per policy term)

Rx Express

Nationwide pet insurance policyholders can use Pet Rx Express, which offers them special discounts on pet prescriptions at Walmart or Sam’s Club pharmacies. They can also easily handle their prescription insurance claims right at the pharmacy counter.

What Nationwide Pet Insurance Doesn’t Cover

Nationwide’s pet insurance, like other policies, has certain exclusions. These exclusions consist of:

What Nationwide Pet Insurance doesn't cover
  • Pre-existing conditions, which are injuries or illnesses your pet had before getting coverage.
  • Therapy or treatment that wasn’t prescribed by your veterinarian.
  • Diagnosis or treatment that is experimental, investigational, or not considered standard veterinary care in your state.
  • Any expense not directly linked to a veterinary service, such as taxes, waste disposal, and record-keeping.

Please note that additional coverage exclusions may vary based on the specific policy you choose. For instance, if you opt for the Major Medical plan, you won’t be covered for wellness expenses or common illnesses. If you’re not finding coverage that aligns with your needs, consider exploring other options from Forbes Advisor’s list of top pet insurance companies.

Nationwide Pet Insurance Waiting Periods

Pet insurance usually makes you wait before they start paying for your pet’s vet bills. This waiting time is called a waiting period. For instance, Nationwide makes you wait 14 days for accidents and illnesses, and a whole year for knee injuries.

Most companies have a 14-day waiting time for accidents, but some, like Embrace, have a shorter two-day waiting period.

However, not all pet insurers make you wait a long time for certain conditions like knee injuries. For example, ASPCA’s pet insurance doesn’t have a waiting period for these kinds of problems.

Nationwide Pet Insurance Coverage Levels

Maximum Annual Limit Options

Pet insurance companies limit how much they’ll pay for your pet’s healthcare in a year. Nationwide’s Whole Pet with Wellness has no limit, which means they’ll cover all eligible expenses. But the Whole Pet plan has a $10,000 limit, and the Major Medical plan sets limits for each specific condition.

Deductible Options

Before your pet insurance starts covering your vet bills, you have to pay a certain amount first. This amount is called the deductible. In Nationwide’s Whole Pet with Wellness plan, there is an option with a $250 deductible.

Reimbursement Options

The reimbursement level is the part of your pet’s medical costs that your insurance company will pay back to you. With Nationwide’s Whole Pet with Wellness plan, you can choose a reimbursement level of 50%, 70%, or 90%.

How Much Does Pet Insurance from Nationwide Cost?

Nationwide’s pet insurance plans can cost anywhere from $16 to $47 per month for dogs and $5 to $22 per month for cats, as stated by Nationwide.

Pet insurance costs will depend on factors such as:

  • Breed
  • Age
  • Where you live
  • How much coverage you buy

How to Create Nationwide Pet Insurance Account

To create an account, go to Look for the “Register a new account” tab on the middle left side, and click on it.

How to Create Nationwide Pet Insurance Account

On the next page the middle type,

  • First Name:
  • Middle Initial(optional)
  • Last Name:
  • Zip:
  • Phone Number:
  • Then, click on, ‘Find Account’.
How to Create Nationwide Pet Insurance Account-1

Nationwide Pet Insurance Login Process

To log in, you need to visit,

  • Find the “Log in to your account” on the left-middle side.
  • Click on the “Login” button.
How to Create Nationwide Pet Insurance Account-3
  • Here, type,
  • The Login ID
  • The set password
  • Then, click on, ‘Login’.
How to Create Nationwide Pet Insurance Account-4

You will be logged in.

How to Reset Nationwide Insurance Login Account

If you’ve forgotten your login information, follow these steps:

  • Visit the login page.
  • Below the login button, click on “Forgot username/password?”
  • On the next page, enter your information.
How to Reset Insurance Login Account
  • The registered email
  • Then, click on, ‘Submit’.

For password click ‘Forgot your password?’.

On the directed page, choose,

  • Login ID:
  • Zip Code:
  • Pet Name:
  • Then, click on, ‘Submit’.

After this, simply follow the provided instructions to recover your information. If you require further assistance, click on “Need help logging in?” to access more detailed guidance.


Our process for reviewing pet insurance companies involves thorough research in the industry. We read many customer reviews, secretly test the quote and purchase processes, interact with company representatives to assess customer service, and survey 1,000 dog and cat owners across the country. We use a 100-point scale to score each provider based on these factors, and then divide that score by 20 to calculate a 5.0-star rating. Here’s how we weigh each factor:

  • Monthly Pricing (25%): We look for affordable rates with comprehensive coverage options.
  • Plans (15%): We consider the variety of plans offered, including accident-and-illness, accident-only, and wellness add-ons.
  • Covered Treatments (15%): We evaluate the range of treatments and procedures covered, giving higher scores for more diverse coverage.
  • Customization Options (10%): We prefer providers that offer flexibility in annual limits, deductibles, and reimbursement rates.
  • Customer Care (10%): We assess website usability, customer service availability, mobile apps, money-back guarantees, and telehealth options for vets.
  • Industry Reputation (10%): We take into account BBB ratings, industry experience, and availability in different states.
  • Waiting Periods (10%): Companies with shorter waiting periods for accidents, illnesses, and orthopedic conditions receive higher ratings.
  • Eligible Age (5%): We deduct points from providers with age limits for covered pets.

Our thorough approach ensures an impartial evaluation of pet insurance companies to help pet owners make well-informed choices.

FAQs: Nationwide pet insurance

Does Nationwide pet insurance cover spaying or neutering?

You have the option to personalize the Modular plan to include coverage for spay or neuter surgery. However, please note that this coverage will start 90 days after you purchase the policy. If you are looking for plans that cover spay or neuter surgery sooner, you can reach out to Nationwide for more information.

How do I cancel Nationwide pet insurance?

You have two options to cancel your Nationwide pet insurance policy. You can do it through your online account on the Nationwide website, or you can send a written request to the company. They will refund any unused premium. In certain states, if you cancel within 10 days of purchase and haven’t filed any claims yet, you’ll receive a full refund of your payment.

How much is Nationwide pet insurance?

The company advertises rates that begin at $25 per month, but when we obtained sample quotes, we found rates that were even lower than this. Keep in mind that the actual rates for your pet will depend on factors like their breed, age, and where you live.

Does Nationwide pet insurance cover cremation or other final expenses?

Nationwide’s accident and illness plans might provide coverage for end-of-life expenses, such as cremation.

Bottom Line

Nationwide Pet Insurance provides different pet insurance options for various animals and offers discounts for insuring multiple pets. Their plans come with a $250 deductible and have a 14-day waiting period, which extends to one year for cruciate ligament injuries. Nationwide aims to process claims within 30 days of receiving them.

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