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: Will


How can I get denied because of a pre-existing condition when 4 vets couldn't figure out what was wrong with my little girl? These people are the true scum of the earth. Don't waste your money. I'm confident that any positive review is from a vpi employee. Literally 4 vets, including neurologist and internal medicine specialist. No diagnosis. That's not what I'm upset about; these miserable scumbags said that it was a pre-existing condition. My kitty passed at the age of 10 months. She deserved better, so does anyone that cares enough for their pet to get insurance. VPI WILL NOT HELP!!!! They look for any excuse to get out of their responsibilities. Dog sh**. Pun intended.

out of 5

POSTED: | BY: Suzanne Hart

Great Insurance

I have carried VPI Pet insurance for 15 years and covered 3 of my dogs. Two of which are no longer with me. I am so thankful that I had this insurance especially when the two got older and in their senior years I had to file many claims. My little one now just has semi annual shots and denials. VPI was always very caring and professional. I would highly recommend this company to cover your animals.

out of 5

POSTED: | BY: Cindy

Never will use them again

Very disappointed. VPI will deny your claim stating it is a pre-existing condition when it is not. Then you have to appeal it with all the records of your pet for the last 12 months even though they already have them with the initial claim. Will not recommend them, nor use them again. There are far too many other pet insurance companies that I can use. Or save myself the money and the aggravation and not use any at all. Per Consumer Reports all are a waste of money. On this review, it wanted to know if it is a dog or cat, it is neither, but an exotic so I had to make up an animal

out of 5

POSTED: | BY: Deana

Waste of money - they don't cover what you need.

I have been paying into the full comprehensive plan for years. My dog just needed surgery for elbow bone that chipped off and needed to be removed. They only covered $750 of a $4K surgery. I have spent so much money on the monthly premium, I should have saved it as I would be ahead, even paying for the surgery out of pocket.

out of 5

POSTED: | BY: Jennifer

VPI helped gives us more time with our boy!

I've been so happy with VPI since I've enrolled 3 years ago. Their claims process is easy and you can track the progress online and their reimbursement is more than fair. My Rottweiler was recently diagnosed with osteosarcoma and had to have a leg amputated. They paid for the entire surgery! I couldnt believe it! He's been accident prone his whole life so this isn't our first claim and they've always been great. I work at a large pet retailer and tell people almost every day to sign up with VPI. I've heard so many disappointing stories about other insurers but I assure you they're the real deal and will be there when you need them most!

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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