Nationwide | Pet Insurance Review

4.8

out of 5

Number of reviews 21,391

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 4.4
  • 4.8
  • Count
  • 0
  • 34
  • 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.
1

out of 5

POSTED: | BY: Isaac

Not worth it

I was reimbursed less than $10 on a $170 claim. I submitted a claim for $170, VPI determined that only $61 was eligible (no explanation as to why), minus $50 deductible and the remaining $11 was reimbursed at 90% for a grand total of $9.90, which is less than I pay for a monthly premium. I have had this policy for over 5 years and this is the first time I've used it. If I have put my premium in the bank rather than throwing it away to VPI, I could have payed this vet bill several times over.
5

out of 5

POSTED: | BY: Sandi LoConti

And then there was one...

Thankfully I had VPI when Lina, my pit mix was diagnosed with cancer. Her care was top notch and never questioned. The amount reimbursed was a Godsend and I will be forever grateful for their kindness when she died. I still have her sister Toto and she is doing well and I love the check-in emails and reminders of exactly what is available to me as a pet owner. Yes, there are limitations but in the scheme of devastating illnesses I was able to make a much better decision with the options I had available. Toto uses wellness but she too is getting older and I rest assured I can care for her with confidence and VPI
5

out of 5

POSTED: | BY: Chris

Saved me $1,900 in 1 year

My cat had to get 2 ultrasounds and multiple treatments for stomach issue. Seven claims in one year totaling $2,009.I did have to pay the vet fees upfront and then was reimbursed. Have MAJOR MEDICAL for all of my pets and the claim process was super easy. Was refunded amounts in 30 days. Only paid the $100 deductible overall. Just wrote this review out of gratitude since I was so skeptical at first. Insurance companies are notorious for fine print.
5

out of 5

POSTED: | BY: Lisa

Like them

I have been a customer for 6 years and for 6 years before that. I find their customer services to be very good. Documents are easy to read and claim process simple.
5

out of 5

POSTED: | BY: Debbie

Very pleased with VPI

Very please with their service, filing claims and customer service. We have two dogs and have certainly been pleased with the insurance and would recommend to others with pets.
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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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