Nationwide Pet Insurance Review

Nationwide is a Fortune 100 company with unparalleled financial stability and claims paying ability that has recently ventured into the pet insurance marketplace. The company stands out because they offer expanded coverage beyond just cats and dogs, as well as wellness plans that cover things like checkups and vaccinations.

Rating: 8.5 / 10 (Excellent)
864 Customer Reviews - see all reviews
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How is Nationwide rated?


Benefit Limits
Claims and Service

Overall Rating: 8.5 / 10 (Excellent)

Nationwide's Whole Pet with Wellness Plan is one of the most comprehensive on the market, and it will as a result cost you more than most standard pet insurance plans. Nationwide is one of the few pet insurance providers that will extend coverage to beyond dogs and cats, covering birds and all manner of other pets. Truly unlimited coverage, however, is only offered if you choose the top tier plan. Be aware that all plans beside Whole Pet with Wellness operate on a benefit schedule.

Company Profile

Full Name
Nationwide Pet Insurance
Year Founded
National Casualty Co.
Standard & Poor's Financial Rating Financial Rating
AM Best Financial Rating
Company Website
One Nationwide Plaza, Columbus, OH, 43215
Mailing Address
P.O. Box 2344, Brea, CA, 92822

Nationwide Coverage

Coverage Specifics

Pets Covered
Exotic Animals
Coverage Types
Vet Selection
Out of State Coverage
Commercial Pets Covered

Coverage - 10 / 10

Nationwide's Whole Pet with Wellness plan is one of the most comprehensive pet insurance policies out there. In addition to the normal accident and illness coverage, it also provides for yearly physical exams, vaccinations, and flea/heartworm prevention. It is, however, on the pricey side as a result. Its Major Medical plan is more in line cost and coverage-wise with the standard accident and illness plans offered by most companies. You can also purchase the wellness plan on it's own, and it is relatively inexpensive. Finally, Nationwide is the only company we are aware of that extends pet insurance beyond cats and dogs. The company will cover most birds and a wide range of exotic pets.

Medical Conditions Covered

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental
  • Dental Illness

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care
  • Behavioral Therapy

Benefit Limits


Benefit Limit Types

Benefit Limits - 10 / 10

Both Nationwide models -- Whole Pet with 90% reimbursement, and all other plans with a benefit schedule -- offer unlimited annual maximums. However, you must remember that any plan but Whole Pet is going to limit you by condition or procedure. So even though technically there is no limit to the dollar amount they will spend on your pet in a year in total, there are limits on a condition and service basis with the lower two plans. The only plan that is truly unlimited is the top of the line Whole Pet with Wellness.


Key Facts

Deductible Type
Minimum Deductible Offered
Maximum Deductible Offered

Deductibles - 10 / 10

Nationwide offers one annual deductible of $250. This is in some ways good because it is so low. But you will not have the flexibility of choosing higher deductibles should you want a lower monthly premium or should it somehow fit your needs in other ways. Most of our top companies offer customizable deductibles.


Key Facts

Reimbursement Model
Actual Cost
Benefit Schedule
Minimum Percent Reimbursement
Maximum Percent Reimbursement

Reimbursement - 10 / 10

Nationwide's top tier Whole Pet with Wellness reimburses 90% of the total vet bill. However, Major Medical and Pet Wellness reimburse according to a benefits schedule. These schedules cap payouts by condition or service. If you are going with one of these plans we suggest you scrutinize your policy carefully before purchase, as your pet's breed may be susceptible to certain conditions with low coverage limits in the plan. Benefits schedules, and no choice in customizing the reimbursement percentage in the top tier plan, limit the flexibility of Nationwide's offerings.

Claims & Service

Key Considerations

Advertised Response Time
14 days
Claim Form

Claims and Service - 8 / 10

Nationwide's claims procedure is standard for the pet insurance industry. Like other companies, you must first pay the vet directly, download Nationwide's claim form, and submit the form with all paid invoices. You can submit via mail, fax or email.

Pricing: How much does Nationwide cost?

Starting Monthly Premiums

Rate Details: Annual Deductible: $250, Benefits Cap: Annual & Unlimited, Reimbursement Model: Benefits Schedule

Pricing - 6 / 10

Nationwide's plans are comprehensive, but you are going to pay the price. Their monthly premiums are a little on the high end as opposed to our other companies.
Available Discounts: 5% discount on current Nationwide member


Enrollment Age & Waiting Periods

Min Enrollment Age
6 weeks
Max Enrollment Age
10 years
Accident Waiting Period
14 days
Illnesses Waiting Period
14 days
Free Look Period
10 days

Enrollment - 6 / 10

Like our other companies, Nationwide will enroll pets starting at 6 months. Unlike our other companies, Nationwide has a relatively lower age restriction with older pets at 10 years. However, if the pet is enrolled before age 10, and the policy never lapses, they will be covered for the duration of their lives. Waiting periods are industry standard at 14 days, although Wellness starts 24 hours after approval.
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Latest Reviews

Based on customer reviews
864 Reviews
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Angela O
West New York, New Jersey
Regretfully, I acquired this pet insurance through an offer at my job. What a waste of money. In March of 2016 I took my newly acquired puppy for his first visit to the Vet and to get his shots, up to today I have yet to receive a refund. I received a $55.00 refund for a $310.00 Hospital visit, when my puppy got an upset stomach and had a lot of diarrhea, I could not get an appointment on a Saturday afternoon, so the other option was to take him to the Hospital. This insurance advertises that they pay major medical and all accidents and sickness at 90%. How is 90% of $310.00 equals $ 55.00. In April I took the dog for his shots as mentioned before. To today I have yet to receive any money... Read More

Dave D
Needham Heights, Massachusetts
After some confusion over my plan, I came to realize that while their site shows that their top tier plan covers "spaying", it in fact does not. When I asked an agent about it, their response was "yea... we know about that and have told management that they should take it down, but they haven't". The agent went on to tell me that they stopped covering spaying LAST FEBRUARY... over a year ago. When I asked why do they show it and what would happen if I had signed up under that plan and submitted a claim for a spaying, I was pretty much shrugged off by a "Richard". Be warned as well, if you submit a claim, make sure it is a closed invoice (even though it does not state it anywhere on... Read More

Ellen S
Baltimore, Maryland
VPI has turned into Nationwide (is NOT on your side). I wish I had known of alternatives when I started with this company when my 11 yr old toy poodle was a puppy. Contrary to the above description, they don't charge an annual deductible, they charge $50 deductible for every illness. So if you need a vet visit for 2 things, you lose $100 off the top. Their 'reasonable charge' benefit schedule hovers around half of the real life charge. On top of that, they take 10% off of their reasonable charge, giving you even less. Now that my little guy is really sick, I'm dismayed at how little they pay for each disease, the exclusions, and their policy of limiting coverage to the one-time benefit... Read More

Wendy M
Mundelein, Illinois
Christmas night, my kids found our dog having seizures. We rushed her to the emergency vet and with great care, she is now doing well. We submitted the claim for the emergency visit thinking the pain of the huge emergency vet bill incurred on Christmas day won't be so bad. Of the $1352 submitted, they paid $295. Over her lifetime, I have paid $4648 in premiums, submitted $7264 in claims and have been paid $2696. Save your money, start a savings account for pet care because this is not the way to do it.

Patricia V
San Pedro, California
This insurance covered my very first dog Lil Lulu. I had excellent coverage. Fast forward to my current dogs... My 9-year old is as healthy as can she can be, no junk treats, no vet visits in 2015--nevertheless, her monthly fee of $50+ was increased to $72 with exclusions! Look at their FB page "Piper and Patches, The Good, The Bad and The Pissy" and tell me if my dogs are sickly. Enough corporate abuse! I'll transfer her health insurance to another pet insurance where they respect her intelligence, good old age and healthy habits. Stand up to corporations!

Lynn B
Philadelphia, Pennsylvania
I cannot STRESS HOW HAPPY I am with the NEW VPI plan which they started offering just six months ago. It literally covers everything! ( except dog food!). I had my three Chinese Cresteds on pet Plan and I have NO IDEA why it is rated so highly. Read the fine print with Pet Plan is all I can say. Then compare with the NEW VPI plan which now has NO LIMITS on major medical and covers wellness with only ONE deductible of 250 per pet per year. Pet Plan is 250 deductible for EACH SEPARATE VISIT if they are not related. Why take my word. Call VPI and ask about the new plan and then compare with the plan you have now. For me, there was no comparison.

Boone, North Carolina
Rascal has been insured with VPI/Nationwide for 13 years. Excellent customer service. They pay exactly what is in print on the schedule of benefits. Never ever a problem in all those years - pay promptly. In fact a couple years ago I called to pay my premium and they suggested I drop the wellness coverage because at Rascal's age he would not be getting as many vaccinations, teeth cleaning, etc. They saved me money in the premium. Rascal recently passed away and when I notified them, the pro-rated balance of my annual premium was credited to my credit card within 2 days. I would always use VPI

Chicago, Illinois
I have had these people for over 4 or 5 years and they are a bunch of RIP OFFS! Every time I submitted a claim they would say I have exhausted my policy....yet my other claims were denied as well...SERIOUSLY! Then the one time I had to take my cat to the vet emergency I ended up with a $2000 bill so I asked them to submit the claim for me to see if I had a better chance of receiving some reimbursement....and guess what....I did....A LOUSY $50! I cancelled them and am now moving on to a much better company THAT ACTUALLY CARES!

Karen C
Pittsburg, California
I wish I read these reviews before I signed up my 3 cats. They advertise "an annual deductible" - which is not true - there is a deductible for each and every claim. They also cap the amount they will pay out - which is basically - they not pay out more than you have paid in. I submitted a claim for one of my cats who was in an accident - which was paid out minus the deductible - which is good - but was then told that they will not pay any further claims for her this year. As for the wellness coverage - it's suppose to pay for annual vaccinations and flea prevention - they paid out less than half the cost! I have 3 cats insured with them and I am about to cancel all 3 policies.

Marilyn S
Bakersfield, California
I have for the most part been satisfied with the major medical coverage I have had on all 3 of my dogs. Until NOW. VPI/Nationwide has denied coverage on a very large hospital bill for my Boston Terrier Ruby. Asking for more hospital records twice. Which I have had Ventura Medical and Surgical group fax over only to be lost in VPI"s system. Customer service wasn't much help and could not make a lot of sense out of there own records. Very disappointed and I am presenting this issue to my dog and agility club members as many of them have VPI and are watching the out come of this "run around".

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