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.
5

out of 5

POSTED: | BY: Beverly

VPI (Nationwide) Pet Insurance has been wonderful!

Our 8-year old bichon poodle Carly has, unfortunately, had several serious medical issues. She is diabetic and needed emergency gall bladder surgery this past year. Our 3-year old Siamese cat Cooper has been very healthy, but he ate 5 feet of sting when he was 6 months old and also needed emergency surgery. VPI has saved us thousands of dollars, and has always paid our claims promptly. The customer service agents that I have talked with have been very compassionate and supportive. I have highly recommended the company to all of our pet owner friends.
1

out of 5

POSTED: | BY: Kimberly

Lousy

Vpi was happy to take my money but when it came to paying reimbursement that's another thing. Denied my claim because she had diarrhea year and a half before?! I could spend hours attempting to have them review my claim... Or i could save my $50 a month... I chose to save my money..
1

out of 5

POSTED: | BY: Rachael

zero coverage

I was unable to receive any coverage for my 6 month old puppy's skin condition. I paid over $1000 for 6 months of treatment, on top of paying their monthly coverage. I cancelled right away after rude and unhelpful calls with their service department. Would not recommend, seems they find a way out of reimbursement for illnesses their policies say they cover.
1

out of 5

POSTED: | BY: Blake

They will do EVERYTHING they can to NOT pay you.

This was the worst insurence I have ever had. My dog was extremely sick with bloody stool and if I didn't qualify for care credit my dog would have been screwed. It took over 3 months to get everything some documents I sent then 2 or 3 times because they "didnt" get them. At the end of me fighting with them they somehow linked it back to a pre existing condition of puppy direah and didn't pay me.they will literally do everything they can to not pay you do not go with them they are absolutly aweful and they don't care about you or your animal. I had everything I could purchase from them and they did nothing for me.
1

out of 5

POSTED: | BY: Dave

Out Dated Payment Schedule

We have had this insurance for over 12 years, without any major claims until now. Premium is about $1800 annually for two dogs. This year we had two big claims, 1. bowel obstruction, 2. growth on splean. They use a very outdated UCR payment schedule. Basically, they only pay a portion of what these services cost 10 years ago. They paid only about 35% of the actual bill for these two major claims. After review, this VPI is not worth the premium. Spent more on this insurance than our regular vet bills. We will not be renewing.
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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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