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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West Palm Beach, Florida
So we've been with Nationwide for just @ one year now....... and overall, we are very pleased. I feel confident that Nationwide is fair, organized and communicative.... thank you.... If i could make one request, it would be to have claims available to do digitally vs mailing the claim form and receipt (unless it is, and i can't figure out how).... Overall, Thank you very much.... Trish, Chris & Quila

Seattle, Washington
My claims are reviewed promptly and I am notified of their status quickly. The website is very helpful in showing claims info and their status. Seems to me the customer service has gotten better since it was rebranded Nationwide Pet Insurance. It's a great relief to have this insurance. Thank you.

[email protected]
De Pere, Wisconsin
I am very pleased with the service I get from nationwide. Coverage is great and claims processing is done in a timely fashion. I will recommend (and have already) this company to my friends.

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Coram, New York
People tell me i am paying to much insurance for 2 dogs , that i have to pay then get the money from the insurance, thats not good or, any help to them, But to me i do see their point in away but you do get almost all your money back after you send in the claim doctors do not want to wait. My dog was just so sick cost me,alot i had to come up with the money to take her to the doctor, but i send in the claim i got 90% almost all my money back and fast now i put that aside if there should be a next time so it does help alot and i will continue and recomended it to anybody that has pets it helps, Linda

Xiya T
Concord, California
I am using Nationwide Pet Insurance for my dog. I wouldn't recommend it to anyone. Here below are the summary of my review for this insurance. I am now thinking about switching to another insurance company. 1. Incompetent staff handling claim review, which of causing claims rejection. I will have to call them to explain that is a waste of my time. 2. Slow claim review. 3. Bad customer service.

Sheeja K
I'm new with this insurance and this is the best insurance ever. I already recommended to 3 of my friends. They are also happy with this. The staffs are very nice and helpful. Thanks to nationwide insurance. Love you guys.

Kim W
Nationwide Pet Insurance has given me the sense of security in knowing that my pet's medical expenses will always be covered. The staff is always easy to reach and responsive to any concerns. There is very little hassle in submitting claims and payment is sent quickly. I am extremely happy with this insurance.

Tess D
Buena Park, California
We had Nationwide now for a year and we will continue to insure our baby Wookie. Nationwide is simply the BEST!

Gaylen M
Love working with Nationwide. All claims are explained & expedited quickly & efficiently. We are always secure with knowing if our pets need treatment or just a check up, that Nationwide is always there to take away some of the worry. If you are looking for pet insurance, be confident this one will be there when you most or least need them. Customer service like this is hard to find these days. Our dogs, Jethro, Stella & Bearegaurd all thank you. Beauregard the 4 year old bloodhound, going strong with Nationwide on his side. Thanks again

Jill W
Elizabeth, New Jersey
I have been very pleased with Nationwide Pet Insurance since I decided to sign up Chloe in September. It's so easy to fill out and fax the claims and I like that I can check on the progress of the claim online. My recent claim was for flea and tick meds and it was reviewed and paid very efficiently. Chloe is a very happy, healthy Sheltie but it gives me peace of mind to know that we have coverage not only for wellness but if she becomes sick,

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