Nationwide | Pet Insurance Review


out of 5

Number of reviews 21,391

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.0
  • 4.3
  • 4.8
  • Count
  • 1
  • 36
  • 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.

out of 5

POSTED: | BY: Lisa Emmett

Thankful owner.. says thank you!

The process was so easy, what started as a horrible experience when a puppy was rushed to the vet, ended with a more than positive outcome. Booty Juice is once again healthy and happy and VPI made the entire process seamless. Thank you again!!

out of 5

POSTED: | BY: Rose

Awesome insurance!

We're very satisfied with VPI. I've recommended you to several of our friends with pets. The claims are always processed timely and our reimbursements have been awesome. We can't say enough good things about you! We had often thought about pet insurance with other pets but never did anything about it. It's very well worth it!! We have submitted 3 claims and gotten reimbursed 3/4 of each one. It doesn't get any better than that. We will probably go to the medical insurance when Ladybug is older.

out of 5

POSTED: | BY: Sharon Johnson

Very happy with VPI

I have had animals for years and have spent a lot of money on vet bills so when I got a new puppy in 2012 I decided to try getting insurance. Since that worked out well with the care plan and the comprehensive plan, I enrolled our older German Shepherd and a few months after that she needed surgery on a burst disc. VPI paid over 1/2 of that expensive procedure. To me, that was impressive and they always pay the claims quickly and with no issues. I am happy to have any amount reimbursed and wish I could have the same kind of thing for my horses! I have now added my new kitten to the plan and have already had to use the insurance - again with quick reimbursement and no questions asked. Every person I have spoken to at VPI has been extremely polite and helpful. I am very happy with my experiences.

out of 5

POSTED: | BY: David


Zeus is a special bread of a dog being a Giant Schnauzer who is very active. Having need surgery was the tough decision to make and put a pet through that. They just don't understand what's going on and the cost is crazy. Torn tendon is a bad deal which could tear completely. I am thankful for VIP Pet Insurance it made the decision much easier. Highly recommend VIP you never know what can happen to your pet who is a member of your family.

out of 5

POSTED: | BY: Robert

Thank Goodness For VPI

We had just gotten a new puppy and got her insurance and never had insurance on our older dog so we got him insurance at the same time. Thank goodness! About a month after he ended up having to have 3 herniated discs repaired. At first I didn't think they would cover any of it because we were a brand new customer, so I called and they said they covered so much of the MRI, hospitalization, surgery, labs etc. and I thought hmmmm We will see after the claim is filed and we get it back. Wow was I impressed. The bill for everything was over $7,000.00 and the reimbursed us over $4500.00 of it, I was so impressed. They continue to impress me with their handling of claims. Wish I would have invested sooner. It is a godsend. Searched around other insurers and VPI was the best as far as coverage and price. Love them!

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.

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