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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Washington, District of Columbia
If you have a pet who you consider to be a member of your family, pet insurance is a must, and in my experience, there is no better option than Nationwide. I love that I have the confidence of choosing a policy underwritten by a leading insurance company, and that I can count on Nationwide to be there when my pets are sick. There are some scam pet insurance companies out there, so I was glad to go with a company that was more established and that I knew I could trust. Our cat developed asthma and had to spend several nights in the ICU at our local vet hospital, to the tune of a few thousand dollars, not including the followup care and maintenance medication. Nationwide processes our claims... Read More

Mary P
Palm Springs, California
Thank you so much for assisting me. You advice and your professionalism was invaluable. Thanks again. Cain is back to his happy good health.

Mary J
Des Moines, Iowa
This insurance has been a God send for my Chow Chow Carmine! I never have to worry about Carmine getting the best medical care possible because Nation Wide is on his side! 🦁

Nationwide, literally, has been by my side throughout all of my puppy's health issues. The customer service is outstanding and they are always showing concern for her health. They have provided me with peace of mind, every step of the way. I would HIGHLY, HIGHLY recommend Nationwide to any pet owner. They are phenomenal! Thank you, Nationwide!

lanny h
Katonah, New York
Love nationwide....would never have another insurance company cover my pet. I have never been refused one claim,out of 26 requests. They really are " on my side"

Bob M
Fredericksburg, Virginia
I am very pleased with the coverage that my pet is able to receive with Nationwide Pet Insurance. We have had our puppy for almost a year now, and each claim has been covered exactly as was described to us when we purchased the insurance. The claims are sent in via an app on my phone and response is very quick. Today I received an email from Nationwide regarding my last visit to the vet. They were checking on my puppy to make sure she was feeling better. This, in my mind, is going above and beyond what is expected of them. I appreciate Nationwide and the quality of service they provide.

Tallahassee, Florida
I live on a retirement fixed income. Nationwide provides me with peace of mind knowing that I can take care of my beloved Bigelow no matter what happens - a well earned five-star rating!

Kathleen S
I have a 1 year old puppy that broke it's leg and a cast just wouldn't do it; he had to have orthopedic surgery to have a metal plate implanted in his leg. The cost was nearly $4516 and Nationwide paid $3839.40 in less than 10 days of me emailing my claim. Nationwide is easy to file a claim with, the website gives you everything you need and a quick status of your claim along with email updates about your claim and they are fast to pay you back. I was extremely pleased and shocked at the amount I received back since this was the first major incident with a pet in nearly 15 years of having pets and having insurance on those pets.

Marvin G
I've always had pet insurance and like many others, my dog was healthy and vet visits were limited to his annual physical exam. Although my dog is still relatively young I opted for Nationwide's new full protection policy. Thank goodness that I did.. my dog tore his ACL, required many vet visits, to rule out other problems, and eventually required surgery and physical therapy... Nationwide covered 90% of my expenses. Needless to say I cannot recommend them highly enough. SG from NJ

JoEllen M
Black Mountain, North Carolina
This is JoEllen and Micaiah McIntire, and we'd like to submit a review from our experiences with Nationwide as Nationwide worked along beside us during our 2016/2017. Micaiah (our golden retriever who is only 2 yrs. old) would not even be here as we are so stressed about his cancer on his left rear leg (knee area). Things are going along well with Upstate Veterinary Specialists (Dr. Ian Martinez who was referred to us by Dr. Early at Animal Hospital of North Asheville), and we PRAY that Micaiah's treatments with Upstate Veterinary Specialists in Greenville, SC (this is were Micaiah and I went for 6 days for Micaiah's radiation treatment) and Upstate Veterinary Specialists, here in... Read More

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