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Nationwide Pet Insurance Review

Rating: 8.5 / 10 (Excellent)
1,778 Customer Comments & Reviews - see all comments
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Nationwide is a Fortune 100 company with unparalleled financial stability and claims paying ability that has recently ventured into the pet insurance marketplace. The company stands out because they offer expanded coverage beyond just cats and dogs, as well as wellness plans that cover things like checkups and vaccinations.

How is Nationwide rated?


Benefit Limits
Claims and Service

Overall Rating: 8.5 / 10 (Excellent)

Nationwide's Whole Pet with Wellness Plan is one of the most comprehensive on the market, and it will as a result cost you more than most standard pet insurance plans. Nationwide is one of the few pet insurance providers that will extend coverage to beyond dogs and cats, covering birds and all manner of other pets. Truly unlimited coverage, however, is only offered if you choose the top tier plan. Be aware that all plans beside Whole Pet with Wellness operate on a benefit schedule.

Nationwide Coverage

Coverage Specifics

Pets Covered
Exotic Animals
Coverage Types
Vet Selection
Out of State Coverage
Commercial Pets Covered

Coverage - 10 / 10

Nationwide's Whole Pet with Wellness plan is one of the most comprehensive pet insurance policies out there. In addition to the normal accident and illness coverage, it also provides for yearly physical exams, vaccinations, and flea/heartworm prevention. It is, however, on the pricey side as a result. Its Major Medical plan is more in line cost and coverage-wise with the standard accident and illness plans offered by most companies. You can also purchase the wellness plan on it's own, and it is relatively inexpensive. Finally, Nationwide is the only company we are aware of that extends pet insurance beyond cats and dogs. The company will cover most birds and a wide range of exotic pets.

Medical Conditions Covered

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental
  • Dental Illness

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care
  • Behavioral Therapy

Reimbursement & Maximum Benefit Limits

Reimbursement - 10 / 10

Nationwide's top tier Whole Pet with Wellness reimburses 90% of the total vet bill. However, Major Medical and Pet Wellness reimburse according to a benefits schedule. These schedules cap payouts by condition or service. If you are going with one of these plans we suggest you scrutinize your policy carefully before purchase, as your pet's breed may be susceptible to certain conditions with low coverage limits in the plan. Benefits schedules, and no choice in customizing the reimbursement percentage in the top tier plan, limit the flexibility of Nationwide's offerings.

Benefit Limits - 10 / 10

Both Nationwide models -- Whole Pet with 90% reimbursement, and all other plans with a benefit schedule -- offer unlimited annual maximums. However, you must remember that any plan but Whole Pet is going to limit you by condition or procedure. So even though technically there is no limit to the dollar amount they will spend on your pet in a year in total, there are limits on a condition and service basis with the lower two plans. The only plan that is truly unlimited is the top of the line Whole Pet with Wellness.
Reimbursement Model
Actual Cost
Benefit Schedule
Minimum Percent Reimbursement
Maximum Percent Reimbursement
Benefit Limit Types

Claims, Service, & Deductibles

Claims and Service - 8 / 10

Nationwide's claims procedure is standard for the pet insurance industry. Like other companies, you must first pay the vet directly, download Nationwide's claim form, and submit the form with all paid invoices. You can submit via mail, fax or email.

Deductibles - 10 / 10

Nationwide offers one annual deductible of $250. This is in some ways good because it is so low. But you will not have the flexibility of choosing higher deductibles should you want a lower monthly premium or should it somehow fit your needs in other ways. Most of our top companies offer customizable deductibles.
Advertised Response Time
14 days
Claim Form
Deductible Type
Minimum Deductible Offered
Maximum Deductible Offered

Pricing: How much does Nationwide cost?

Starting Monthly Premiums

Rate Details: Annual Deductible: $250, Benefits Cap: Annual & Unlimited, Reimbursement Model: Benefits Schedule

Pricing - 6 / 10

Nationwide's plans are comprehensive, but you are going to pay the price. Their monthly premiums are a little on the high end as opposed to our other companies.
Available Discounts: 5% discount on current Nationwide member


Enrollment Age & Waiting Periods

Min Enrollment Age
6 weeks
Max Enrollment Age
10 years
Accident Waiting Period
14 days
Illnesses Waiting Period
14 days
Free Look Period
10 days

Enrollment - 6 / 10

Like our other companies, Nationwide will enroll pets starting at 6 months. Unlike our other companies, Nationwide has a relatively lower age restriction with older pets at 10 years. However, if the pet is enrolled before age 10, and the policy never lapses, they will be covered for the duration of their lives. Waiting periods are industry standard at 14 days, although Wellness starts 24 hours after approval.

Company Profile

Full Name
Nationwide Pet Insurance
Company Website
One Nationwide Plaza, Columbus, OH, 43215
Mailing Address
P.O. Box 2344, Brea, CA, 92822

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1778 Customer Comments & Reviews

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Madison, New Jersey
my previous dog was covered under VPI for 14 yrs of his 16 yr life. VPI WAS EXCELLENT in coverage & claim processing. I just adopted a 1 yr old Golden retriever , I assumed Nationwide who took over VPI would be just as great. THEY ARE A NIGHTMARE ‼️😡. I HAVE THE ROLLS ROYCE OF PLANS & Pay over 70.00 / mo. I have had to take the dog to the vet for testing, such as Ultrasound, blood work for Gi upset after the policy was in effect & during the required covered time period which he was covered & was healthy. Well, that claim was submitted in January, Feb March April right up until July 1. I finally demanded I speak with a supervisor. Supervisor advised me that the UNDERWRITERS had to... Read More

Jaime A
Philadelphia, Pennsylvania
I bought Nationwide pet insurance back in January for my dog and two cats. I have had to take the my dog to the vet 4 times, once for a wellness visit, the other three times for GI issues. When I submitted my four claims, they asked for more documentation, going back three years. Luckily my vet had all the information. Nationwide said they would take 30 days to review the information. Its now been 2 months and I still have no word from Nationwide to see if they would have covered my vet visits. Would not buy nor recommend.

Grand Prairie, Texas
I could not be more pleased with the value and performance of the entire VPI/Nationwide Pet Insurance program. I have two dogs (and formerly a cat) on their program ... And have saved many times the annual premium in claims reimbursement. Claims are processed quickly and efficiently (my VCA vet handles the submissions, and PREFERS VPI/Nationwides claims submission system over ALL others. Their customer service has always been friendly. The explanation of benefits has always been clean and concise. I highly recommend them

Carol A
Palm Harbor, Florida
I've insured three dogs with VIP which has become Nationwide. I'm not sure where your info came from that they insure congenital conditions. I have a rescue with a congenital leaking tricuspid valve and they have denied the treatment claims. I reviewed the policy and congenital and heredity conditions for the most part are excluded as I read it.

Angela O
West New York, New Jersey
Regretfully, I acquired this pet insurance through an offer at my job. What a waste of money. In March of 2016 I took my newly acquired puppy for his first visit to the Vet and to get his shots, up to today I have yet to receive a refund. I received a $55.00 refund for a $310.00 Hospital visit, when my puppy got an upset stomach and had a lot of diarrhea, I could not get an appointment on a Saturday afternoon, so the other option was to take him to the Hospital. This insurance advertises that they pay major medical and all accidents and sickness at 90%. How is 90% of $310.00 equals $ 55.00. In April I took the dog for his shots as mentioned before. To today I have yet to receive any money... Read More

Dave D
Needham, Massachusetts
After some confusion over my plan, I came to realize that while their site shows that their top tier plan covers "spaying", it in fact does not. When I asked an agent about it, their response was "yea... we know about that and have told management that they should take it down, but they haven't". The agent went on to tell me that they stopped covering spaying LAST FEBRUARY... over a year ago. When I asked why do they show it and what would happen if I had signed up under that plan and submitted a claim for a spaying, I was pretty much shrugged off by a "Richard". Be warned as well, if you submit a claim, make sure it is a closed invoice (even though it does not state it anywhere on... Read More

Ellen S
Baltimore, Maryland
VPI has turned into Nationwide (is NOT on your side). I wish I had known of alternatives when I started with this company when my 11 yr old toy poodle was a puppy. Contrary to the above description, they don't charge an annual deductible, they charge $50 deductible for every illness. So if you need a vet visit for 2 things, you lose $100 off the top. Their 'reasonable charge' benefit schedule hovers around half of the real life charge. On top of that, they take 10% off of their reasonable charge, giving you even less. Now that my little guy is really sick, I'm dismayed at how little they pay for each disease, the exclusions, and their policy of limiting coverage to the one-time benefit... Read More

Wendy M
Round Lake, Illinois
Christmas night, my kids found our dog having seizures. We rushed her to the emergency vet and with great care, she is now doing well. We submitted the claim for the emergency visit thinking the pain of the huge emergency vet bill incurred on Christmas day won't be so bad. Of the $1352 submitted, they paid $295. Over her lifetime, I have paid $4648 in premiums, submitted $7264 in claims and have been paid $2696. Save your money, start a savings account for pet care because this is not the way to do it.

Patricia V
Lomita, California
This insurance covered my very first dog Lil Lulu. I had excellent coverage. Fast forward to my current dogs... My 9-year old is as healthy as can she can be, no junk treats, no vet visits in 2015--nevertheless, her monthly fee of $50+ was increased to $72 with exclusions! Look at their FB page "Piper and Patches, The Good, The Bad and The Pissy" and tell me if my dogs are sickly. Enough corporate abuse! I'll transfer her health insurance to another pet insurance where they respect her intelligence, good old age and healthy habits. Stand up to corporations!

Lynn B
Philadelphia, Pennsylvania
I cannot STRESS HOW HAPPY I am with the NEW VPI plan which they started offering just six months ago. It literally covers everything! ( except dog food!). I had my three Chinese Cresteds on pet Plan and I have NO IDEA why it is rated so highly. Read the fine print with Pet Plan is all I can say. Then compare with the NEW VPI plan which now has NO LIMITS on major medical and covers wellness with only ONE deductible of 250 per pet per year. Pet Plan is 250 deductible for EACH SEPARATE VISIT if they are not related. Why take my word. Call VPI and ask about the new plan and then compare with the plan you have now. For me, there was no comparison.

Our Partner
8.5 / 10
  • First and largest pet insurer in the US
  • Whole Pet & Wellness Plan covers spay/neuter
  • 24/7 vethelpline access
  • Discounts available on home and auto
  • Insurers most birds and exotic pets!
  • $250 annual deductible with Unlimited Claims
  • ​Covers congenital and hereditary conditions