Nationwide Pet Insurance Review


Rating: 8.4 / 10 (Excellent)
190 Customer Reviews - see all reviews
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How is Nationwide rated?
10/10
Coverage
10/10
Benefit Limits
10/10
Deductibles
10/10
Reimbursement Models
8/10
Claims and Service
8/10
Pricing
3/10
Reviews

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

Annual

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.

 Deductible

 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:

Amphibians
Iguanas
Snakes
Rabbits
Turtles
Ferrets

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)

Shots

Prescription medication

Yearly physical exams and tests

Flea/heartworm prevention

Surgery

Shots

 

Hospital stay

Flea/heartworm prevention

 

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

Prescription medication

 

 

Surgery

 

 

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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Cynthia S
Seattle, Washington
9/30/2016
Horrible service and I experienced several very rude customer service representatives which caught me by surprise. When a pet has an accident, you expect empathy and assistance in the process. I received little to no assistance. I also experienced drop calls. No return calls as promised and questions came about forms which did not appear to acknowledge documentation that was submitted. Everything was delay, delay and delay. It felt like any excuse to not pay or delay payment. This is not a company I can recommend. They are not worth the premium.

J
Joy
Austin, Texas
9/30/2016
Absolutely the WORST experience with pet insurance I've ever had. Wasn't like this when it was VPI. I have had at least a dozen calls with them since July trying to get a $50 claim processed! Managers, customer service reps, and claims dept. people cannot figure out a simple $50 reimbursement. I currently have yet another manager online, Reyna. I don't have any high hopes that she will be able to figure this out either. But we'll see. I've spent much more than $50 of my time trying to get this processed. Oh... Reyna is sending this BACK through for processing YET again and has promised to call me with updates (so did the last manager - the call never happened). I am in pet... Read More

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Lisa D
9/28/2016
Do your research! Horrible customer service! They won't let the public speak to claims representatives and make continue requests and excuses for more time to review claims. Have not received a dime. They leave the consumer feeling hopeless and now it's too late to look for an alternative insurance company because companies don't pay for existing medical issues. Now we have to consider putting down are pet because we can't afford the surgery. Nationwide is definitely not on your side.

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Roger G
Tomah, Wisconsin
9/26/2016
Nationwide Pet insurance is one of the best investments we have made recently. Our family member, MR Raggs, is in great shape and very active and happy. The peace of mind this policy allows us is why we like it so much. My pup is always there for me happy and willing to do anything to please me. The least I can do is make sure he has the very best health care I can provide. Thank you Nationwide for giving us that opportunity. Cathy, Roger and Mr. Raggs

R
R.D. S
Greenville, Texas
9/25/2016
I had insurance for my dogs for 16 years with VPI before it sold out to Nationwide. VPI was fairly good insurance with the ins and outs of the vet care for my dogs of all ages and sizes, spay/neuter, dental cleanings, bloodwork,etc. Same great vet all the years. Then Nationwide took over & WATCH OUT!!!!!!! DENY, DENY, DENY, NOT COVERED,NOT COVERED, NOT COVERED!!!! They cover no preventative. Then, one of my pups had complications with her first & only anesthesia at the beginning of her planned surgery for dental cleaning & spaying. The surgery had to be aborted & it became an emergency of keeping her alive. She went into seizures & nearly died. It required great skill & time to keep her... Read More

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Judy
9/24/2016
Pet Plan used to offer the best deal on pet insurance. However, Pet Plan has recently switched underwriters and now they are charging $200 more for far less coverage than my expiring plan. To get the same coverage I have as my current plan, I would have to pay over $600 than what I am currently paying. I regret purchasing a policy from Pet Plan and now I'm going to have to pay more for worse coverage with Pet Plan or buy a policy from another pet insurance company for higher premiums because my dog is now older. Awful.

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Lisa C
Milton, New Hampshire
9/23/2016
I bought a "Superior" plan policy with a cancer endorsement for my Golden retriever as a puppy 11 years ago. I am currently paying about $60 a month for the policy. I had never made a claim until recently, when my dog had to have a CT scan and rhinoscopy for probable sinus cancer. With vet visits, tests, and biopsies, I submitted claims to Nationwide for about $3000. Although they paid out as expected for the less expensive bills, I will be receiving only about a third of the cost of the CT scan and rhinoscopy (which constitutes about $2600 of the claim). When I called their customer service I was told that they knew that their "allowed" benefit for CT scans and rhinoscopies was (a lot)... Read More

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Carole T
9/18/2016
I had my 2 previous pets insured thru VPI, and was happy with the service. When I got a new puppy, I could Nationwide had replaced them, so I signed up! I have had great service with Nationwide thus far, and am pleased with the company.

M
MISHELE
Clearwater, Florida
9/15/2016
THIS IS THE WORST PET INSURANCE / INSURANCE COMPANY EVER! RUN...RUN FAR AWAY! THIS IS A SCAM. WE PURCHASED INSURANCE FOR AN ELDERLY STRAY CAT THAT WE HAD NO KNOWLEDGE OF HIS HISTORY. HE WAS DEHYDRATED AND WASN'T KEEPING HIS FOOD DOWN. SO WE TOOK HIM AS AN EMERGENCY TO A VET. THIS VISIT WAS A FREE CONSULTATION. SINCE THE VET WAS ABLE TO TELL US HE WAS OKAY, WE OPTED TO WAIT TO BRING HIM FOR A REAL CHECK-UP WHEN OUR POLICY STARTED. NOW, THIS RIP OFF COMPANY TOOK OUR MONEY FOR A POLICY AND IS REFUSING TO COVER OUR PET. THEY ARE DIAGNOSING HIM WITH ISSUES HE DOES NOT HAVE. WE PAID OVER $400 OUT OF POCKET FOR BLOOD WORK WHICH CAME BACK 100% CLEAR, NO ISSUES, NO DIAGNOSIS OF ANYTHING!!!! HIS... Read More

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Susan L
San Clemente, California
9/11/2016
September 10,2016 I am writing this letter to update you of the claims disagreement between myself and Nationwide regarding my puppy, Max. As I anticipated Nationwide is not covering my claims and has added the following exclusions which are incorrect to Max’s policy: Rhinitis, Sinusitis, Canine Upper Respiratory Infection, Dermatopathy, and Gastroenteritis. I disagree with these exclusions and believe them to be excessive. My veterinarian at Estrella Veterinarian Hospital, Julie Owen, contacted Nationwide’s Vet Services Department to dispute these exclusions. Nationwide did not value Julie’s input or expertise regarding the misinformation included in Max’s policy as pre-existing... Read More

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