Nationwide | Pet Insurance Review

4.7

out of 5

Number of reviews 25,788

As the largest provider of pet health insurance in the U.S., Nationwide currently insures over 600,000 dogs, cats, birds and exotic pets for medical conditions related to illnesses, injuries accidents and wellness care. Learn more about Nationwide’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
1

out of 5

POSTED: | BY: A.

This insurance is terrible

I have had insurance for 7 years and when my dog was very ill the insurance would not pay for exam, recheck or medication. Very Very Disappointed. This cost me 237.90. I bought insurance for my dog because I had a dog die of cancer because I could not afford the treatment and he died. So when I bought max I thought I would be covered by paying a few hundred dollars a year but I was wrong. I always thought that when my dog got very ill that I did have to worry but apparently this insurance does not protect my dog for lots of different illnesses.
1

out of 5

POSTED: | BY: Jane

terrible payout since company became Nationwide

Nationwide took over VPI about a year ago. The company was pretty good before then. My 3 year old dog has needed extensive testing for a GI condition & still does not have a diagnosis. I've paid my premium every month for years, yet they paid $71.48 on a $915.56 claim. I am outraged & will definitely be changing insurers.
1

out of 5

POSTED: | BY: RVC

VPI Service reminds me of The Rainmaker

Basically company seems to do anything feasible to not provide coverage and when coverage is provided likely to be at significantly below anything close to actual costs. Strongly suggest to find alternative to avoid the added financial & emotional impact when your family member "pet" needs care.
5

out of 5

POSTED: | BY: charlotte

life saver

my newfoundland had many7 leg problems...and in the six years of his short life, we had over 50,000.00 in vet bills....this wonderful insurance paid almost 98% of it minus deductibles.........thank you again VPI......same service with our present Newfoundlander.....wouldn't have ANY other insurance
3

out of 5

POSTED: | BY: CJ

Expensive

I've had VPI for 4 years. The premiums started at $298 and my next premium for year 5 would be $484 with $100 deductible. They have been good paying the claims when I've submitted them but the cost and deductible is no longer more favorable than paying the vet directly.
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Monthly Cost

Policies start at approximately $12 per month.

Coverage

Nationwide offers a variety of plans offering varying levels of coverage. The company’s most popular plan, Whole Pet with Wellness, offers 90% reimbursement for accident, injury, illness and wellness care, inclusive of exam fees. All Nationwide members have complimentary 24/7 access to vethelpline.

Payout Limits

Depending on the plan selected, there may be annual benefit limits or per incident benefit allowances. There is no annual limit for the company’s most popular plan, Whole Pet with Wellness.

Deductible

Annual deductibles range from $0 to $1,000. Most popular annual deductible for Whole Pet with Wellness is $250.

Age Limits

No age restriction to enroll in company’s most popular plan, Whole Pet with Wellness. Other plans may have age restrictions.

Waiting Period

14-day waiting period after application approved and payment of premium is received.

Exclusions

Pre-existing conditions are not covered on any plans (if a condition is curable, it may be eligible for review if pet remains treatment-free for at least six months). Whole Pet with Wellness covers nearly all veterinary expenses. Notable exclusions include boarding and grooming.
Nationwide Pet Insurance detail
Since 1982, Nationwide has helped pet owners protect what matters most. As the largest provider of pet health insurance in the U.S., Nationwide currently insures over 600,000 dogs, cats, birds and exotic pets for medical conditions related to illnesses, injuries accidents and wellness care. In 2015, it introduced Whole Pet with Wellness, the only U.S. pet health insurance plan offering complete coverage for injuries, accidents, illnesses and wellness care. Policies range from nose-to-tail coverage to routine pet care plans that offer reimbursement for wellness exams and preventive treatments.
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