Nationwide Pet Insurance
Founded in 1982. Available in 50 states. BBB rating: A+. AM Best: A+.
Pricing by dog size
Monthly premium ranges for typical dogs. Actual pricing varies by breed, age, and ZIP code.
Small dogs
< 25 lbs
$35–$70/mo
Young dog
$55–$95/mo
Senior
Medium dogs
25–60 lbs
$45–$85/mo
Young dog
Large dogs
> 60 lbs
$55–$110/mo
Young dog
$80–$155/mo
Senior
Brachycephalic breeds
Bulldogs, Pugs, French Bulldogs, etc.
$65–$125/mo
Plan options
Coverage details
What Nationwide covers, and what costs extra or isn't included.
Waiting periods
Enrollment requirements
Pros and cons
Strengths
- ✓ Only major provider covering exotic pets
- ✓ Available through employer benefit programs
- ✓ Whole Pet with Wellness plan option
- ✓ Long-established brand since 1982
- ✓ No upper age limit
Weaknesses
- ✗ Higher premiums than competitors
- ✗ Slower claims processing
- ✗ 6-month orthopedic waiting period
- ✗ 50% reimbursement on lowest tier
- ✗ Limited plan customization
Best for
- → exotic pet owners
- → employer benefit enrollees
- → those wanting whole-pet wellness plans
Less ideal for
- → budget-conscious buyers
- → those wanting fast claim processing
- → owners seeking high reimbursement at low cost
Frequently asked questions
How much does Nationwide cost?
Nationwide premiums start at $35/month for small young dogs and range up to $155/month for large senior dogs. Actual pricing depends on breed, age, and location.
Does Nationwide cover hereditary conditions?
Yes, Nationwide covers hereditary and breed-specific conditions.
What is Nationwide's waiting period?
Nationwide has a 14-day accident waiting period and 14-day illness waiting period. Orthopedic conditions have a 6-month wait.
Is there an age limit for Nationwide?
No, Nationwide has no upper age limit for enrollment.
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Last verified: 2026-05-16