Nationwide Pet Insurance Review

Rating: 8.5 / 10 (Excellent)
2,224 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 - 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.
Pets Covered
Exotic Animals
Coverage Types
Vet Selection
Out-of-State Coverage
Commercial Pets Covered

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

Benefit Limits

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.
Benefit Limit Types

Reimbursement & Deductibles

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.
Reimbursement Model
Actual Cost
Benefit Schedule
Minimum Percent Reimbursement
Maximum Percent Reimbursement

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.
Deductible Type
Minimum Deductible Offered
Maximum Deductible Offered

Pricing: How much does Nationwide cost?

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.

Starting Monthly Premiums

Rate Details: Annual Deductible: $250, Benefits Cap: Annual & Unlimited, Reimbursement Model: Benefits Schedule
Available Discounts: 5% discount on current Nationwide member

Enrollment & Waiting Periods

Enrollment - 6 / 10

Like our other companies, Nationwide will enroll pets starting at 6 weeks. 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.
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

Claims & Service

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.
Advertised Response Time
Claim Form

Contact & Additional Information

Homepage URL
Headquarters Address
One Nationwide Plaza, Columbus, OH, 43215
Mailing Address
P.O. Box 2344, Brea, CA, 92822
Year Founded

What We’re Hearing From Our Readers
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Customer Comments

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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
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Palm Desert, 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.
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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.
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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.
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San Francisco, 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
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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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Tina A
San Francisco, California

I have had my insurance for a couple of years for my dog. I was thinking of canceling it because I didn't use it. Luckily, I didn't, my dog was recently diagnosed with Diabetes and the cost were huge. I turned my claim into VPI and they paid all but $250.00 of it. Wow!! Not only that but, I was paid with each claim in less than 14 days. Very convenient you can follow your claim on thier website. Thank you VPI. It was worth every penny I paid into it.
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David S
Belmont, Massachusetts

I had the best coverage for my dog Sassparilla that VPI provided.But when Sassparilla needed I surgery for cataracts they would not cover it or the treatment after.Because it was hereditary.What insurance company does that? After a few years she was diagnosed with glaucoma and they would not cover that or the treatment for it.Which are eye drops that are expensive.Four types of eye drops for her eyes.They would not cover any eye doctor exams as well.after paying her insurance for 8 years and not receiving any support from them.I dropped the insurance so I could try and pay the bills instead.I have a $4000.00 dollar debt that I am still trying to payoff as well as keep up with her... Read More
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Carla P
Deerfield Beach, Florida

They make a bunch of excuses to not reimburse you the correct amount. I do not recommend them. Waist of money. I submitted a $300.00 bill for yearly vaccines and exams they only paid $80.00 and I maxed out my allowances for this kind of exams. She had not had anything done in the pas year and I just renewed the policy. How can it be exhausted???
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Carrie O
Chicago, Illinois

This company will look for any excuse not to pay your claim. Pre-existing conditions is their favorite reason for denial. This is the second dog I've insured with them and I should have learned my lesson the first time, My first dog was denied for pre-existing allergies because he had an ear infection as a puppy. Allergy testing was never done to confirm allergies. They linked almost every claim to his "pre-existing"condition. They did pay for an injury he had due to an accident. I insured him as a one year old puppy. My next dog, a shih zhu was also determined to have a pre-existing condition because his medical records indicated my dog was have having symptoms for a few weeks. I... Read More
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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