Nationwide Pet Insurance Review

Rating: 8.4 / 10 (Excellent)
132 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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Minh T
I called in to obtain a quote from VPI. The customer service rep Phillip Gordon was helping me and gave a quote for my dog and my cat. He said he will send out the brochures so we can take a look over to determine if we really want it or not. He will check back with us in the next 4 weeks to finalize the policies. Never heard back from him. I called back in today and I tried to cancel the policy, that I never approved to be activated. They informed me that since they sent me emails and letter mail, it is considered a contract between them and I. Since I had just moved to a new house, there is some mail I never received. Also, my email has a strict spam filter. I have never received any... Read More

Don P
Eden Prairie, Minnesota
VPI/Nationwide has no business being in healthcare, they are thugs. I signed up for VPI because their premium was low and they were owned by a well known company, however little did I realize that they are big thugs. My pet had an "accident" and I took him to the Specialists hoping that I am covered. During his expensive treatment, I kept the VPI customer service apprised of the treatment and charges my pet was going through. While they seemed artificially polite (as if caring for the pet), however they send scary vibes - 'we have your recordings', 'everything you say, will be used'... as if I was being questioned. After I submitted my claim, they took a long time, and during that time, it... Read More

Mike C
Gaithersburg, Maryland
DO NOT SIGN UP! We signed up in case our dog needed another TPLO. VPI was the only pet insurance that claimed to cover TPLOs for dogs that have already had a TPLO. As long as the knee in question wasn't damaged prior to the 12 month probationary period, they claimed they would cover approximately $2,500 of the surgery and rehab costs. I've spoken to at least 4 different agents between the time I signed up up until my dog's TPLO last month. Each and every time they confidently assured me they'd cover it and that all I needed to do was make sure the surgery was after the 12 month probationary period. They were so reassuring I didn't think I needed proof of their verbal agreement to... Read More

Round Lake, Illinois
Becoming worse and worse !!!!!

Twentynine Palms, California
I had bumper to bumper coverage for my girls...(so I thought) I took the baby in to check on her baby teeth that had not come out (what do I know about what is expected or not with puppies?) .The explanation was that I had used up my years allotment. She was 9 months old. Really?? I paid huge amount for her because the excuse was that she will have to be spayed, etc. Same with Gracie that is now 4years. They make it difficult each and every time. I cancelled them yesterday. I was working for them, they were not working for me.

Bill B
Bridgewater, New Jersey
yea im cancelling VPI. been paying since my rottie was a puppy. Hes 8 now, never had anything wrong. Had fatty tumors removed. Vet Bill was 1450 for everything. VPI covered 240. Not worth it at all

Boca Raton, Florida
I am very disappointed with VPI. We have paid them $600+ per year for insurance for our Ozzie (Schnoodle) and have submitted several claims all of which resulted in a very very disappointment reimbursement. The most recent was an extensive surgery with four days of hospitalization. The bills for surgery and hospitalization totaled more than $9,000. VPI only paid about 17% of the total. They are a total rip off. There are much better options.

Beth W
Nashville, Tennessee
Do not get VPI. Paid my premiums. My dog got cancer. I was traumatized. Thanks to VPI, I WAS TRAUMATIZED AGAIN. They claimed it was pre existing. It was not. Vet agreed. Does not matter. They have denied every claim that any of my friends have filed. This is old school insurance. They take your premiums and call everything pre existing. Pathetic.

Milpitas, California
This used to be good insurance, it isn't anymore. After 24 years of having this insurance with the additional cost of a cancer rider for my all my dogs. When my Golden died in 2014 they would not pay the claim. Getting money from this insurance has now become like pulling teeth! If my other dogs weren't seniors I would move them to another insurance

Lebanon, Oregon
You're better off using care credit or working with your veterinarian on cost than VIP. My canine policy was canceled due to a pre-existing condition. We obtained our dog through friends and as good owners we wanted to make sure he was healthy. We noticed unusual issues after having him for some time, but a definitive diagnosis was never given until after he was covered under VIP. He was diagnosed with Cushings Disease. His increased urination and thirst while we're symptoms this was not a definitive diagnosis. These symptoms could be a number of metabolic conditions or according to my vet psychological. We really did not know. In the health world coding signs and symptoms are not a... Read More

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