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.
3

out of 5

POSTED: | BY: Roger

Outrageous Rate Increase

We had VPI/Nationwide insurance for a year. They paid partial claims quickly but they were only for routine examinations. There was nothing major. My biggest problem with them in a year my policy JUMPED from $527.85 from 3/16/15 to $647.13 and that's with a 5% group discount. Now I am looking for another company!
5

out of 5

POSTED: | BY: Jalynn

Nothing but Good Experiences

I have been a customer of VPI/Nationwide since 2008, currently have 2 dogs insured. I feel all of my claims have been handled in a reasonable amount of time 1-2 weeks, and there have been no surprises. After meeting my deductible, VPI paid out the $$ that is listed in the fee schedule. Just like any other insurance company, you have to read the fine print and find out what you are really paying for - what is included, and more importantly, what is excluded.
1

out of 5

POSTED: | BY: Cliff

Great policy if you don't mind a 33% reimbursement

Don't be fooled by the sales person who tells you that you claim will be covered in full minus the deductible. That is not always true. We paid all premiums when due and the policy was active when our dog got hit by a car. She needed and I paid for surgery and treatment totaling $5800. VPI paid back $1319. I requested reconsideration, and they paid an additional $605. That's about $1900 of a $5810 claim. That's not insurance. That's fraud and misrepresentation. Total bad faith. I am preparing to litigate. Don't make the same mistake. Find a better value.
4

out of 5

POSTED: | BY: Sally

Our First experience with VPI

At first dealing with pet insurance was frustrating and confusing, but once I got the gist of it, I have had no problems what-so-ever. When you first file a claim they do ask for the pets 3 year history. After that they do need a one year history with each claim. Its not a problem to obtain at the veterinary clinic. Some claims only take a few days to process and you receive your reimbursement within 2 weeks. So far after insuring 3 dogs, I have no complaints.
5

out of 5

POSTED: | BY: Jennifer

Very Satisfied

I personally don't understand the negative reviews. I've never had VPI/Nationwide deny a claim and my dog has severe allergies and goes to the vet quite often. They even paid 100% for his allergy testing and his allergy shots which are expense. I couldn't be more pleased.
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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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