Nationwide | Pet Insurance Review


out of 5

Number of reviews 21,510

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.6
  • 4.6
  • 4.8
  • Count
  • 9
  • 20
  • 21,510
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: Yvette Rhodes

Glad I have it for my dog.

Glad we got this insurance for our dog. We upgraded the policy we got but we have gotten our money worth do far. We got a puppy when we purchased the insurance and our puppy has had numerous visits to the vet for spaying, shots, Urinary tract infections, skin infections and the insurance has paid for a lot of our pups care which has been close to $2000.00 in the last 11 months. The insurance has been well worth the investment for us.

out of 5

POSTED: | BY: Carolyn Darrow

Peace of mind

After our family lost our 8 year old Golden retriever to cancer, We purchased VPI. When we brought Melody home as a puppy. My husband was very skeptical until at three Melody went up for a frisbee and came down in a hole with a torn Acl. VPI payed for exactly what the policy said they would pay for, the process was easy and the checks were paid fairly quickly. We added our puppy Harmony also a Golden to the policy . With high energy dogs like Goldens, VPI allows us to feel like we can handle emergencies if they occur.

out of 5

POSTED: | BY: Amber N

scam - VPI exists for the $, not the pets

I've been a paying customer of a Premium Plan for SIX YEARS at $50 a month. My dog has been relatively healthy for that whole period. Last month, my dog got cancer, to the tune of $2000. A deadly cancer called hemangiosarcoma. She needed bloodwork, cytology report, meds, and ultimately surgery to remove the rapidly growing tumor. When I submitted the expenses, they covered only $560 of my entire bill!!! They told me that my "Premium Plan" was old and had not been updated since 2008 for any adjustments and therefore only this small amount was cover and that they surgery itself was NOT covered. I was outraged! After speaking with the first customer agent, I asked to talk with her supervisor. After getting the run around from the second, I said I wanted to talk to underwriting and they said they do not allow customers to talk to the underwriting department. Then I said I wanted the president's information, so they forwarded me to the "customer advocate" for the president. After 3 very heated calls, she phoned me back the next day and told me that underwriting was correct and that they would not pay any more on my claim. I am canceling my policy.

out of 5

POSTED: | BY: Karen

Very satisfied

We have carried basic insurance for our dog since she was a puppy. I have been pleased by the speed and ease of the claims process and have found it well worth the cost. I also appreciate the peace of mind. Well worth it.

out of 5

POSTED: | BY: Maryland


Scooter has been covered since s puppy. The first year he had a bad sprain or hairline fracture. He went to three different vets including a specialist. I was very pleased with the promptness of reimbursement. He has cut his paw, ripped toe nails out and most recently had been treated for cystitis three times even with an ultrasound. I know the first year I got more back from them than what I paid for premium. This year has been the same. I am glad I have it and won't go without it. You won't regret ever purchasing this coverage. Scooter and Sharon Davis

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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