Nationwide Pet Insurance Florida Review
Nationwide is administered by DVM Insurance Agency and underwritten in Florida by National Casualty Company.
Coverage
Underwritten by National Casualty Company (NAIC 11991). Rate filing 26-013923 (filed 13 March 2026) was approved on 1 September 2026; the IRFS card gives an effective date of 11 June 2026 for new and renewal policies, earlier than the approval; its rate pages and percentage have not been obtained. An earlier rates filing, 25-056884 (filed 17 December 2025 under the Livestock line, approved 11 June 2026, effective 14 August 2026 for new and 22 October 2026 for renewal policies), has not been obtained either. Forms filing 26-013382 (effective 18 June 2026 for new and 27 August 2026 for renewal policies) added the Modular Pet Insurance amendatory endorsement VS-452-FL (3-26). No Florida policy form has been read, so waiting periods, enrollment ages and coverage flags are not recorded here.
Scores in Florida
Without rate pages there is no lifetime cost, so Nationwide is not ranked in Florida. Scales with data:
| A. Lifetime cost | no data |
|---|---|
| B. Age curve | no data |
| C. Generosity (loss ratio) | no data |
| D. Rate increases | no data |
| E. Price structure | no data |
| F. Customer treatment | no data |
| Coverage (separate) | no data |
Price by age
Rate pages for Nationwide in Florida are not public or not yet read, so there is no price by age.
Compared with other brands in Florida
Monthly premium for the French Bulldog in Florida at filed rates, before any future increases. Drag the slider to see what you pay at each birthday.
Filed rates: ASPCA, Pumpkin, Spot 26-024273 · Lemonade 26-034247 · Pets Best 26-026451. No rate pages read yet: Embrace, Fetch, Figo, Healthy Paws, MetLife, Nationwide, Trupanion.
All numbers: monthly premium by age, French Bulldog, none (filed rates)
| Age | ASPCA | Lemonade | Pets Best | Pumpkin | Spot |
|---|---|---|---|---|---|
| 0 | $154 | $140 | $78 | $164 | $143 |
| 1 | $146 | $119 | $71 | $155 | $135 |
| 2 | $145 | $119 | $71 | $155 | $135 |
| 3 | $159 | $119 | $71 | $170 | $148 |
| 4 | $179 | $132 | $79 | $191 | $166 |
| 5 | $218 | $156 | $96 | $233 | $202 |
| 6 | $263 | $185 | $116 | $280 | $244 |
| 7 | $318 | $221 | $145 | $339 | $294 |
| 8 | $407 | $265 | $180 | $433 | $376 |
| 9 | $501 | $370 | $219 | $534 | $464 |
| 10 | $601 | $439 | $283 | $640 | $556 |
| 11 | $678 | $505 | $318 | $723 | $628 |
| 12 | $782 | $544 | $346 | $834 | $724 |
| 13 | $888 | $544 | $346 | $947 | $822 |
| 14 | $944 | $544 | $346 | $1,007 | $874 |
Rate filings
Nationwide's own figures where one filing sets different increases for different brands; the Florida page lists each filing's headline figures.
| Filing | Effective | Status | Requested | Approved | Indicated | Loss ratio | Permissible LR | Source |
|---|---|---|---|---|---|---|---|---|
| 25-056884 | 14 Aug 2026 | approved | source [1] | |||||
| 26-013923 | 11 Jun 2026 | approved | source [2] |
Notes on these filings (2)
References
- 1.↑Florida Office of Insurance Regulation, IRFS. National Casualty Company, Nationwide, rate filing 25-056884. Effective 14 Aug 2026. source
- 2.↑Florida Office of Insurance Regulation, IRFS. National Casualty Company, Nationwide, rate filing 26-013923. Effective 11 Jun 2026. source
- 3.↑Pet Insurance Wiki, Rating methodology, version 1. methodology
History
- Corrected the Florida filing dates: 26-013923 was approved on 1 September 2026 with an effective date of 11 June 2026; 25-056884 takes effect on 14 August 2026 for new policies and 22 October 2026 for renewals. Clarified that 8 April 2025 is the date the CDI acknowledged the corrected effective date of 24-2007, and that the behavioral and prescription food limits are chosen from $40, $60, $80 or $100.
- Added BBB and Trustpilot ratings checked on 13 October 2026
- Corrected the effective date of California filing 24-2007 to 28 August 2025. Limited the 'How it works' section to the plans actually read. Corrected the cruciate, excluded-condition review and behavioral/prescription food terms. Added the renewal underwriting terms and the unread filings 24-2032 (California) and 25-056884 (Florida).
- Draft page from California filing 24-2007 and the Florida filing register