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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Amy R
Although fairly new to nationwide I am not new to animals as a vet tech I can tell you pet insurance industry has come along way in the past 20 years. After much research I decided to go with nationwide so far I couldn't be happier with my choice. fast courteous professional service and my claim was paid quickly with no problem. Marge and i thank you!

Rebecca K
Very pleased with Nationwide Pet insurance! They cover 90% of both illness and preventative treatments so it is very easy to give my dog the absolute best care. Thank you, Nationwide!

Cynthia C
While it's true you hey 90% back per visit but theyes leave out if your pet is bornaments with a condition it is preexisting and therefore not covered. Since certain breeds inherited certain diseases they are considered pre-existing and therefore are not covered. So if you're expecting your breed to be covered you'll be sadly mistaken it will not be covered if you have this insurance. If it happens to get a disease that is not pre-existing, then it will be covered after one year. I so wish I had know this before I selected Nationwide.

Joseph D
This company is horrible !!! Please be aware of their policies they are limited in out payment ..I submitted a $176.00 claim and was paid $8.00 ...I paid this policy in full ...had a very hard time canceling policy and getting my money back

[email protected]
Venice, California
Horrible, Horrible Horrible! What more to say!! I paid for the policy plus cancer rider extra policy for 12 years; then my baby got Malignant Melanoma which is considered by Nationwide a skin disease only. It was impossible to get reimbursed as my dog had the melanoma on her jaw, not her skin. Furthermore, to file a claim takes a Ph.D. or higher degree. Diagnostic codes must be submitted!! Put your money in a saving account a save yourself the anguish of dealing with this company. They don't care!!

Allentown, Pennsylvania
Worst insurance ever! I paid $57 a month and they covered nothing when our dog needed surgery at 2.5 yrs old. Looking for new insurance now!

Cynthia W
It depends on who I am talking with some or some or not helpful.. u r higher rate. U take along time for my refund That why I canceled

Christina L
Pullman, Michigan
Horrific to deal with. Have to send entire file and still deny. I paid for wellness plan - I haven't had a single pay out. Their focus is not paying out for services offered

Ahmed C
Parlin, New Jersey
When our cats were very young about 14 years ago, we decided to protect them and purchase pet insurance for them. We purchased from VPI pet insurance. Their coverage was great and assisted us in our cats health issues. One of our cats (Anyanka) passed away 8 years ago. Our boy cat Osbourne is still alive at 16 years of age and dealing with diabetes. Our yearly premium for Osbourne has been at $262.00 for as long as I can determine. Today we received our renewal quote for Osbourne for $351.21 a near $90 increase of about 33%. I spoke to a customer representative (Laura) who was polite and professional. She stated that the increase was due to Osbourne's age and that all health Insurance... Read More

Secaucus, New Jersey
My cat was diagnosed with pancreatitis and diabetes a few years ago. They covered her for both conditions for the 1st couple years. They recently dropped her pancreatitis coverage. I tried to explain to the rep who has no medical training that the diseases are related and that pancreatitis can NEVER be cured. I asked for my claims to be reviewed by a vet and I sent them documentation from my vet. They sent me a "final answer" letter telling me that they would no longer cover the pancreatitis. They were great when I first got them several years ago, but they are terrible now!

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