Nationwide Pet Insurance Review

Rating: 8.4 / 10 (Excellent)
190 Customer Reviews - see all reviews
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Nationwide Pet Insurance

Nationwide issued the first pet insurance policy ever in the United States to TV's "Lassie" in 1982. At the time, the pet insurance brand was known as Veterninary Pet Inusurance (or VPI) & Nationwide was the underwriter for VPI's pet insurance policies.

Almost three decades later, in 2009, Nationwide acquired VPI. Since 2015, Nationwide has done away with VPI brand & they now operate their pet insurance products under the single, much improved & more recognizable brand: Nationwide Pet Insurance. 

Nationwide Pet Insurance, which now offers coverage that's competitive with the best companies in the industry, is the single largest issuer of pet insurance policies in the country.  

Company Overview:

Being a Fortune 100 company, Nationwide offers customers unparalleled financial stability and claims paying ability. And it's three pet plan offerings provide coverage for things most major pet insurance companies exclude. To us, two of the most noticeable differences is Nationwide stretches their coverage beyond just cats and dogs to include exotic pets and avians, and its "whole pet" and "pet wellness" plans cover routine stuff like checkups and vaccinations. 

Nationwide offers three levels of pet coverage. Their most basic plan is called Pet Wellness and starts at $17 a month. It provides for essential yearly maintenance kinds of things, vaccinations, flea treatments, routine checkups, etc. Nationwide's second tier plan is called Major Medical and starts at $34 a month. This plan is good if you are only interested in taking care of accidents and illnesses, it covers things like surgery, hospital visits and prescription medication. Starting at $64 a month Whole Pet is essentially a combination of the other two plans, covering accident, illness, hereditary conditions and yearly pet wellness visits.

What's Included with Nationwide:

  • No annual benefit, lifetime benefit, or per incidence limit.
  • Fully customizable deductible and copay
  • ​Deductible is annual, not per incident
  • Premiums never increase regardless of frequency of claims
  • ​Whole Pet Plan reimburses 90% of every vet visit, no benefit schedule and is based on actual vet bill
  • Exam fees included
  • Coverage for alternative therapies
  • Use any licensed vet, specialist, or emergency care in the world
  • 10-Day Trial period

Contract length


Enrollment age

6 weeks-10 years old. As long as pets are enrolled before age 10, and you don't let your policy lapse, they will be covered for the duration of their lives.

Waiting period

 Whole Pet and Major Medical start 14 days after application is approved.

 Pet Wellness begins 24 hours after approval.

Effective Range

 Worldwide. Use a licensed vet or emergency care anywhere.


 Annual and customizable.

 Claim limit

 None for Whole Pet.

Claim Reimbursement

14 days

Cancellation Policy

 100% money back guarantee first 10 days. Cancel anytime after and receive a refund of your unused policy.


What's Covered?

Nationwide covers dogs and cats, but also most birds and a wide range of exotic pets including:


Call 888-899-4874 to see if your exotic pet is eligible.

Pet Wellness

Major Medical

Whole Pet with Wellness

Yearly physical exams and tests

Congenital/Hereditary/Chronic conditions
(not pre-existing)

Congenital/Hereditary/Chronic conditions
​(not pre-existing)


Prescription medication

Yearly physical exams and tests

Flea/heartworm prevention




Hospital stay

Flea/heartworm prevention


Diagnostic testing including X-rays, MRIs, CT scans and ultrasounds

Prescription medication






Hospital stay



Diagnostic testing including X-rays, MRIs, CT scans and ultrasounds



Prescribed nutritional supplements, therapeutic diets and medications 



Prescribed holistic, alternative and preventive care 


No waiting period for cruciate ligament, orthopedic and bilateral knee injury attention

What's Not Covered?

Nationwide's coverage is one of the most comprehensive in the marketplace. However, there are of course standard things that are not covered.

Nationwide will not cover congenital, hereditary or chronic conditions that were pre-existing to issuance of the policy. Also taxes, grooming, boarding, storage, transport and waste disposal are not covered.

Customer service

Nationwide is accessible by phone at the following times: 

Mon - Fri:  8:00 am - 10:00 pm EST
Sat:  10:00 am - 6:30 pm EST

Beyond this, every policyholder gets free 24/7 support and guidance from "vethelpline"

Additionally the company has a online customer knowledge base and contact form.

Nationwide Pet Insurance-Conclusion

Nationwide's Whole Pet with Wellness plan is comprehensive and simple and straightforward to use. You just submit your claim and receive 90% back, period. Also, as far as we can tell, Nationwide is the only pet insurance to offer wellness and preventative care in it's standard plans. There is no per incidence limit and no annual benefit limit. This makes it one of the most complete plans out there as it basically covers your pet for virtually any eventuality under the sun. Accident, illness, surgery, physical exams, vaccines, you could even get doggy acupuncture if you want. 

The company's other two plans, Wellness and Major Medical reimburse according to a benefit schedule, which caps reimbursement at a set amount for each condition or service. With these plans you are not going to get the freedom you get with Whole Pet but both are relatively inexpensive. If your intention is to safeguard your pet against illness or injury and nothing more, Major Medical is a good bet for your money. If you simply want to make sure your pet is covered for normal preventative care and annual checkups, Pet Wellness is an excellent choice for the money.

Nationwide is also very flexible in the types of pets they'll cover, offering plans for most birds and a vast array of exotic pets. This is uncommon as most pet insurers typically focus on cats and dogs. 

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Latest Reviews

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Lindsay G
Branson, Missouri
Nationwide has been great for our pet insurance. Submitting claims online is super easy. They process them very quickly and send payment quickly as well. We haven't had any issues and I'm very grateful for the coverage.

New York, New York
They are terrible, do NOT get this insurance. They reviewed my pet records and then sold me the insurance with no pre existing issues despite having access to everything. Now that i actually need the insurance and require a bunch of tests they have decided to add an addendum to the policy saying all gastro issues are void for coverage. The instances in the past with gastro issues have been directly related to a puppy eating something he should not have. The vet even called them to confirm that situation and let them know the issues now are unrelated and new. They disregarded the vet's testimony and won't cover the cost of the tests. Nationwide is garbage, they are terrible cheats and... Read More

Dave M
Livingston, New Jersey
I was a long time VPI / Nationwide Pet Insurance policy holder and can attest to this company being one of the worst, least trustworthy, companies operating in the country. Unfortunately they do not really care about pets at all and behind their policies they construct absurd benefit schedules that severely limit how much money they will pay their clients no matter whether your pet suffers mild illnesses or needs life-threatening surgery. I have spoken with many veterinarians, including my own, that all push their clients away from Nationwide and say they are the absolutely worst pet insurance company by far. If you care about your pet and want to be reimbursed appropriate sums... Read More

Encinitas, California
I have had pet insurance for 13.5 years. My dog got cancer and her surgery was $3900. They reimbursed $411. This company is absolutely a scam and I do not recommend using them ever. They raise your deductible every year, you pay for the life of the pet and when you need them most they will not be there for you. I have never been late on a payment and I've paid them for 13.5 years. It's disgusting. I would absolutely never use these people, ever.

Gail C
Alexandria, Virginia
Very expensive and their customer service is really bad. They are covering less and less and charging more and more. I have already changed my cat and will change my dog at renewal.

They do not cover items on their benefit schedule.

Christopher D
New York, New York
Denied every single claim for over 1 year. Call EVERYTHING a pre-existing condition. Haven't paid out one thin dime. Where's Obamacare for dogs? Total waste of money and borderline fraud. Switching to Trupanion, recommended by my vet (who had nothing but bad things to say about Nationwide). Nationwide is not on my side, nor my dog's.

Gaithersburg, Maryland
My puppy Carter ate the squeaker from a soft squeaky toy and needed it surgically removed. The turn around time for tne claim was a little over a week. It was a huge help, since the bill was just about $3000.

Cleveland, Ohio
They took over 2 months to decision a claim. All documentation was provided quickly - always faxed, never mailed, and it still had to keep going thru review, after review, after review. As well, they can never provide any updated information. No matter when you contact them, whether it be by phone or email, you get the same response. A very frustrating experience. From this end, it was as if they didn't want to pay the claim.

lots o
Barrington, Rhode Island
Very expensive. Have had this for years and my rates keep going up. My yearly limit for coverage is so low. Just do not like this company.

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