Nationwide | Pet Insurance Review

4.8

out of 5

Number of reviews 21,391

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 4.3
  • 4.8
  • Count
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  • 28
  • 21,391

Updated: November 13, 2023

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: Lauren Chase

Glad we bought it

Our pit-bull hound mix is almost 9 years old. We bought VPI (now Nationwide) 3 years ago. She has a preexisting condition that is not covered (incontinence) but she is otherwise healthy. In August 2014 and April 2015 we had to have 2 dental surgeries. Our deductible is $500 but the surgeries themselves were about 2k each. No hassles at all. The Vet's office filed the claim for us and we got a check from Nationwide in about 2 weeks. Although her annual premiums will rise with her age, we will definetly renew every year. We just can't have her suffering from a broken tooth or an abcess. The alterative would be to pay out of pocket, on our credit card.
5

out of 5

POSTED: | BY: Judy Hames

Thankful for Pet Insurance

Prissy, my precious Bichon Frise, had to have cruciate ligament surgery on her hind leg. When the Vet told me the price of the surgery, I was hoping that her pet insurance would cover a lot of the cost. When I called the insurance company, they told me that the insurance would cover all but the deductible of $250. I was very pleasantly surprised and very thankful as I knew that I would have to borrow money if I had to cover the cost of the surgery. I am very pleased with Prissy's insurance. I had actually thought of dropping it before I knew she needed this surgery. I am very thankful that I did not drop it. Prissy is 13 years old, so I anticipate her having medical problems as she gets older. Right now, her health is great. Thank you Nationwide for this pet insurance program. Judy Hames
4

out of 5

POSTED: | BY: SHARON B

glad i have insurance

This is the first pet I've had (she's number 64) that has had major problems continuously. Bought insurance for her about 4 years ago with VPI and have been very satisfied with their service. The cost of the insurance has been made up by the coverage of the vet fees. For me, it's really peace of mind.
1

out of 5

POSTED: | BY: Asha

Worst Pet Insurance Company

My pup was diagnosed with renal failure and was hospitalized for 9 days-he was on his death bed but he was our baby and he was getting better with treatment-his bill was over $10,000 VPI proudly reimbursed me 10%-his care was only worth $680 after months of disputing the reimbursement I gave up and my babies are currently enrolled with Healthy Paws. The reason we get insurance is to ensure our pets get the best care possible without the owners going into debt. In the 2 1/2 years I have yet to break even on what I paid in premiums consider it my gift to this "pet insurance company"
5

out of 5

POSTED: | BY: Robin

So thankful for VPI

You have to love and accept your pup for who they are and our little girl, Pickles (a Whoodle - Wheaten/Poodle), is something special. Super sweet, loveable, playful, and has major stomach issues. This starting happening at about 8 months with multiple vet visits, x-rays, surgery, food changes, etc to get to the bottom of it. We are so thankful that VPI has been along for the ride covering a majority of our vet bills that have been related to her stomach issues. The claim process couldn't be easier and now our vet even submits on our behalf.

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.
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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