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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Carolyn B
I would give them no stars. My 9 month of lab had to have knee surgery. My vet says it is rare in large breed dogs to have knee problems. They would not cover his surgery because it was not a year yet on the plan. We'll why do they charge me before the year. They said they don't cover grooming! He was shaved on his on leg for surgery I don't think that's grooming. Really crappie .

Dee R
Don't choose this insurer for your pet. My nine-year-old cat experienced some fur loss and I took her to the veterinarian. The vet was initially concerned about slightly elevated glucose and noted, since my cat is anxious about car rides in the cat carrier, that the elevation could be due to that. I asked a mobile veterinarian to visit and their tests confirmed that my cat didn't have elevated glucose. Testing showed she wasn't hyperthyroid. Both veterinarians confirmed she probably has an allergy to foods that were added into her diet by my elderly mother. I submitted all of the records during the lookback period (11/15 to 11/16) and yet Nationwide continued to send letters asking for... Read More

Mary C
Hamden, Connecticut
I have found Nationwide Pet Insurance to be great. The claims are processed quickly and reimbursement checks are sent in a timely manner. The website is user friendly. It is easy to find pending claims and to access pre-filled claim forms. My veterinarian recommended Nationwide and I followed his advice with my new puppy It's fortunate I did as my puppy broke her leg in December, 2016 and the cost of the surgery was very high. Nationwide came through for me quickly. Anyone who has a pet should purchase insurance from Nationwide and I have highly recommended it to all my friends who have pets.

Chicago, Illinois
WARNING! Do not insure through Nationwide. I signed up both of my pets for insurance and they came back with four exclusions for pre-existing conditions that 3 of the 4 are not conditions. My dog has not been treated for 3 of the 4 "conditions" in over 6 months and they are still excluded. I will be cancelling my policy with Nationwide and switching to Healthypaws.

Very poor coverage for pet with near death illness. We have paid our premiums for 12 years and when our male border collie had a liver problem, this insurance was terrible. We paid $15,000 for a week of care in ICU, following a 3 hour surgery in which our pet's liver was partially removed and biopsied. The liver had ruptured into his stomach and lungs--he had pneumonia and needed to be on oxygen. The insurance paid less than 10% of his bills. This is the worst insurance policy I have ever seen. Do not waste your money on this policy.

San Diego, California
Very disappointed with nationwide. I have had this policy for two years and they have only covered one claim. I most recently took my dog to the vet for an ear infection. Nationwide refused to cover it because my dog has had an ear infection at some point During his life. Also because he has sensitive skin( could be allergies) they say everything( ear infections) can be caused by them. I find it very frustrating that I pay 50$ a month and whenever I submit a claim there is some exclusion. Not to mention the individuals on the phone are extremely rude.

[email protected]
Hollywood, Florida
These people, without warning me before I pay the policy, decided that my pet had a "previous condition" I only learned that when I submitted my first claim, that was denied , and went to the policy where I read that condition. Of my claim of over $ 500 they accepted ZERO. ON top of that the arrogance and bad manners of their customer service representatives are appalling. Choose somebody else !!!

Jessica K
Do NOT, under any circumstances, use Nationwide Pet Insurance. This is the worst company I have ever done business with. They are basically a scam and invent excuses to not pay your claims. They made me feel like I was on trial as they tried to deny all my claims and demanded more and more evidence. Even worse, their coverage limits for each condition are so low it is almost impossible to recover your premium, and they certainly don't protect you again the huge expenses of having a critically ill pet. My wonderful dog experienced a catastrophic and life threatening health crisis and required intensive treatments, testing, inpatient hospital stays, repeated visits, and medications. This... Read More

Philadelphia, Pennsylvania
I have had to call 4 times to get any information on my claim. The first few times they told me they had everything they needed and weren't sure why it was being delayed. I just called back again and they told me they were missing medical records, that they called my vet twice and never received anything. They never once told me this until the 4th time I called. I also then called my vet to check out what was going on and they said they sent it twice. I have no idea what's been going on, but the communication, or lack thereof from Nationwide has been appalling. Nationwide is NOT on my side.

When it was vpi insurance it was excellent , but since they changed names and nationwide bought them., when i got bloodwork on my yorkie they denied the claim. You file a claim you do not get anything back..

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