Nationwide | Pet Insurance Review


out of 5

Number of reviews 21,392

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 4.3
  • 4.8
  • Count
  • 0
  • 27
  • 21,392

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.

out of 5

POSTED: | BY: Tonia

A great choice!!

After telling everyone that I was getting an English bulldog there was one thing that I kept insurance! It isn't a 'if it will happen' it is a 'when it will happen'. After 2 years, I can say that it was the best investment I made (aside from Magnus himself) :-) He did get mange when he was a couple of months old that they didn't cover, but otherwise, it has been absolutely fantastic! And had I read all of the information prior to buying it I would have seen that the demodex falls under a category they don't pay for. I love knowing that I will never have to choose between what is in his best interest and whether or not I can afford it. When we bring home our french bulldog puppy in the next couple of months I can tell you the one thing he will have immediately...VPI!!

out of 5


Peace of Mind

Never thought that when I applied for pet insurance from VPI 8 years ago, that it would be the best decision I would be making for my Golden Retriever, Riley. It's been about a year since Riley was first diagnosed with Fibrosarcoma, she had major surgery (removing part of her hip and left rear leg). She is now receiving Chemotherapy treatments which will hopefully allow her to remain a happy, healthy dog and family member. I've always wanted the best for Riley, from buying the best quality dog food, toys and now she is being treated by the best pet oncologist in the State. It would not be possible for Riley to receive this type of health care if it wasn't for VPI. Being able to receive partial reimbursements for Riley's medical bills from VPI' claim process has allowed me to aggressively continue my quest to provide Riley with the best life. It brings peace of mind that I can continue to do what is best for her. Thank you, VPI!

out of 5

POSTED: | BY: Ryan

Great help

They are timely and efficient. We have put in 2 claims for our dogs in the past year and both were paid without a fuss. I wish human health insurance was this easy!

out of 5

POSTED: | BY: Jim Cotter

Saved me over $2k

My Irish Wolfhound puppy ate part of a corncob and needed emergency surgury to remove it. Since he was under anesthisia I had his stomach stapled(prevent blout), and nuetered at that time. The bill was just over $3000. VPI payed me just over $2500 in less than two weeks. Not to mention what Ive saved on puppy shots, maintenance meds, etc... I will always have all my pets insured.

out of 5

POSTED: | BY: Andrew Partheymueller

Peace Of Mind

VPI had been recommended to us by our Vet whom we've had for nearly 20 years. He' never steered us wrong, so we felt confident in acting upon his recommendation. After having submitted our first two claims, the quick response and professional handling of our claims, has more than validated our choice. Have no fear! This company is top notch and responsive to their clients, both human and animal.

Monthly Cost

Policies start at approximately $12 per month.


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.


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.


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.

Get a quote today

Leave a review