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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Judith F
Vienna, Virginia
This is the first time I have opted for pet insurance and I have been very pleased with the experience. NATIONWIDE always responds in a very personal and caring manner. The claims process using email is straight forward and processing of claims is fast.

David R
New Waterford, Ohio
Gracie is doing great after her latest visit. Gracie has an allergy condition that will require ongoing treatment. We cannot say enough about our experience with Nationwide Pet Insurance. Gracie has been enrolled with Nationwide since we brought her home as a 10 week old puppy and Nationwide has been unbelievable when it comes to handling our claims. Every time the response is fast and rarely is there any question. When a question does arise Nationwide is quick to let us know exactly what additional information they require. I cannot imagine having a dog and not carrying Nationwide Pet Insurance.

Donald M
Best pet insurance!! My baby has racked up quite a few vet bills her first year but I don't worry because Nationwide has me covered. Never any problems filing claims and getting reimbursement. 5 stars!!!

I cannot say how much I appreciate the wonderful service we have received from Nationwide. Our little puppy, Wilson, has had many medical problems in his first year of life and we are so grateful for the courtesy of the staff and the speed at which we have been reimbursed for our layout of money. Thank you all so much.

Teresa B
Nationwide has been fantastic pet insurance for us. From preventative maintenance reimbursement to reimbursement for extensive surgery (broken leg), Nationwide is easy to work with and fast to process claims. We are so happy we have this insurance for our dog. We wish we had purchased this years ago for our other pets too.

Boxborough, Massachusetts
Yes Hope is feeling much better, I am happy to have made the decision to get her insurance. It has been very helpful..

We have the whole pet wellness plan for our puppy. This plan covers 90% of her expenses after we meet the low deductible. Our pup was spayed and had an infection that caused her to need urgent surgery just a couple of weeks after her spay surgery. Without it, she would have died. We had to see a board certified surgeon that was a specialist to help our pup. She received the best care! The surgery cost over $6,000.00. Nationwide did not hesitate to cover our pup as outlined in our policy. We paid only 10% of the bill plus our deductible. We were reimbursed within three weeks of submitting the claim. I am thankful we had the policy in place. I recommend Nationwide because I trust... Read More

Jenn R
Saint Petersburg, Florida
Excellent product. They are timely and responsible with claims. Genuinely caring about your pets health (and preventive measures). Have 3 dogs insured with them.

Mia F
Westbrook, Maine
I am thrilled with the affordable coverage I've received through Nationwide. I have a young, healthy dog, and I assumed I'd used this more down the road... but when my dog developed two fatty tumors that wrapped around her jugular, we had many unexpected surgical bills. Nationwide was fantastic every step of the way. They are easy to talk to on the phone and the claims process is very straightforward. My previous pet insurance had a 'per condition' deductible as opposed to an annual deductible, and I'm thrilled that once that was met, everything else was covered. They also cover appointment costs, which many insurers don't, and the wellness package allowed things that I use anyway, like... Read More

Paul A
Hockessin, Delaware
Our 16 month old rottweiler has cruciate disease (basically bad knees) and her hospital bills over a 3 month period were well in excess of $10,000 and we would have been unable to afford her treatment had we not had our whole pet with wellness plan from Nationwide. While we did have to pay for her hospital bill upfront we were reimbursed without question before our credit card bill was even due. Overall with our two dogs we have been very pleased with the coverage and the ease of mind that our policy provides.

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