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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Susan T
Bridgewater, New Jersey
I have had 3 pets insured with this company for the last 12 years. One dog just passed away from a sudden internal bleed caused by unknown tumors that ruptured in her abdomen. They initially denied the claim until they received the last 6 weeks of vet bills although this was an emergency situation. It then took them 2 months to reimburse only 62% as they didn't cover many of the treatments my vet saw as necessary. My second dog had a bladder infection, caused by a resistant bacteria. She also has been diagnosed with a recessed vulva and as such I have been told that due this congenital issue that was diagnosed after she was covered by them (she has been covered since 13 weeks old), no... Read More

will be short and to the point. Please write another article on Nationwide Pet Insurance and warn people not to use this insurance. I am a breeder and have all of my dogs covered by this insurance. Once my term ends, I will terminate all business with them. I used to love this insurance but now....they claim everything to be pre-existing. Did you ever see the movie The Rainmaker with Matt Damon. That's what this is like. My puppy had Giardia....he was fine on the 16th and got his vaccines. On the 27th he had diahrhea and went back to the vet and was diagnosed with Giardia....which has an incubation period of 3 to 10 days. His insurance was effective on the 14th of the month... Read More

Andrea V
Dearborn, Michigan
Before being acquired by Nationwide, VPI was an excellent pet insurance company. Now, I've dealt with poor customer service and complete thievery on my claims. My puppy was taken in for his first exam, and because I had honestly disclosed that he had previously been diagnosed with and tested for a parasite (cociddia), they didn't cover his fecal exam (something any vet would require for a first visit of a new puppy), or his $50 exam fee. He was diagnosed with hookworms and roundworms, two completely different parasites, and so they grouped everything other than his vaccines as "pre-existing conditions." The $50 exam fee was going to be incurred for his vaccinations. I'm absolutely... Read More

Henley K
We have used Nationwide Insurance for our ranch insurance for 20 years and have always been so pleased with their response for any problems. Now were so excited to find they offered pet insurance! With a few problems with puppy, they have come through just as they said they would, thank you Nationwide! Karen and AndaraLeigh!

Jaime M
Fort Lauderdale, Florida
My claim was submitted and check from NationWide was sent right away. I'm very pleased with the response time and the pleasant E-mail follow up. My car is currently insured with GEICO and from an accident I had on September 28,2016 it still hasn't been resolved. Trying to get answers or direct conversations with claim specialist is almost impossible and recently have been working with a supervisor that's become a nightmare. I'm aware of course you have car insurance too so I'm going to compare prices and coverages. If prices are the same or close I'll be switching.

Bridgeport, Connecticut
I had VPI prior to them changing to Nationwide. I was NOT provided with new "uncovered" benefits so when my dog needed major surgery I was told it was NOT covered and spent $2k out of pocket...mind you I pay over $700 a year to this company. The claim process is also frustrating. Every claim gets rejected because they want specific detail...I take my dog to the vet for an office exam submit and every time they want to know what the exam entailed...its a routine exam if it were anything else it would say on the invoice. Would NOT recommend and am in the process of leaving them.

cecilia k
Newton Center, Massachusetts
Insulting return of $200 for a $1,600 claim. This is after paying 11 years of pet insurance

Alayna D
Gainesville, Florida
So happy we purchased insurance for our English Bulldog puppy. Nationwide's claims forms are so easy to use and when our puppy was sick we received an email following up on how he's doing. How nice is that! We receive our claims checks in the mail very quickly and each time I've called with questions, customer service has been very helpful & friendly answering questions diligently. Would highly recommend Nationwide Pet Insurance for any pet owner.

Claudette B
I cannot begin to express my gratitude to Nationwide... they have been professional, friendly and have allowed me to give the care to my boy he so desperately needed... when you rescue... you really are not sure of the pedigree.. and I can tell you nationwide has been a blessing 🐾🙏

Brittany C
Glastonbury, Connecticut
Unfortunately my dog was bit by another dog while on a walk down the street. When something like this happens of course you panic and worry about everything possible. This was my first time having pet insurance and I am very glad that I decided to go ahead with the purchase because so far it has been worth every penny. I was reimbursed with 90% of the bill. I paid for the full year upfront so the discount is well worth it because you never know what might happen to your pets and since they are part of your family you want to have them fully covered just like you would do for your children.

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