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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Excellent customer service! Honest, professional, compassionate. I'm very pleased!

We LOVE Nationwide... Without it we could not have continued to provide care for one of our pups. We've used Nationwide Whole Pet with Wellness for all of our dogs for approximately 1-2 years now. We have one puppy that was diagnosed with a chronic and life threatening illness just a couple of weeks after her plan became active. I have a natural distrust of all insurance companies and fully expected her claim to be turned down. I didn't know how we would financially handle her care if they did, but when we sent in the first bill of $12,700 for a 9 day stay in ICU at our local veterinary teaching hospital they covered it. We received a check back for $11,200. It was 90% of the bill... Read More

My dog recently had a spinal injury that required surgery . I am glad we chose nationwide for an easy , no hassle plan .

Michael B
Service is always incredibly fast, turn around on the EOB's always within one to two days of submission. The absolute best pet insurance I have ever owned or had to deal with. It is so nice to have incredible peace of mind for my little guy, should he ever need to use the insurance.

Catherine B
Hopkinton, Massachusetts
The great thing about Nationwide, is the fact that I can give both Bailey and Moose the care I know they need without having to juggle the "can I afford it" question first. The process for submitting receipts is easy and quick. I have only positive things to share on this service! You guys are great!

Kim P
, Texas
Super easy and fast claim processing, great customer service. I have Whole Pet coverage on both of my dogs and so glad that I have Nationwide coverage!

Maxwell is doing great! Even with routine visit costs, Nationwide has been amazingly easy and cost effective! Thank you!

Brittany W
Ashburn, Virginia
Nationwide has been nothing but helpful for my French Bulldog since the first day. Every claim is handled quickly, efficiently, and honestly. I always get my check within 30 days. Great company and I truly believe they care about my little fur baby!

Dana F
So pleased to have signed Sophie up with Nationwide Pet Insurance. It gives me peace of mind when medical issues occur that I know that she will covered. Our last experience for Sophie turned out to be an allergic reaction to a cleaning product I used around the house. Sophie is doing much better now. I also appreciate the coverage for routine prescriptions like heart guard and flea protection and other well dog care items as listed in my policy. My last dog was not covered by insurance and I incurred thousands of dollars in medical bills to keep her going. This time I will have coverage in place before any serious issues arise.

Laura L
Getting Nationwide was the best thing I have done in a while. When my dog is not feeling well I am not scared to take him to the vet because I know nationwide has my back. They answer your claims within a week. Great customer service.

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