Nationwide | Pet Insurance Review


out of 10

21345 Verified Reviews

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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 10

POSTED: | BY: Helen

Fantastic Insurance - so happy to have

I had heard horror stories from people about the lack of coverage pet insurance really provides and wanted to make sure we were getting something that would work. I researched and compared a lot of pet insurance companies and in the end Nationwide came out on top. They were the only company that covered preventative care (via the Wellness Plan) with a lower deductible and high percentage of coverage. We knew that we'd meet the deductable with basic exams, vaccines, and flea meds and anything random would be covered. Unfortunately for our pup, and us, we put it to the test when she tore her ACL. ACL repair is not easy and it's really expensive. We moved forward with the surgery crossing our fingers that Nationwide would cover what we expected them to cover. It took some time for them to review her records and make the final decision (that was the worst part), but in the end they covered thousands of dollars - from the diagnostic x-rays, surgery, meds, and the follow up x-rays. We couldn't be happier with the coverage and experience. I highly recommend them to anyone looking for a pet insurance carrier.

out of 10

POSTED: | BY: Denise

Seems okay so far

We were insured through VPI which is now Nationwide for us. So far the insurance policies seem similar. We live in Silicon Valley and maybe care is more expensive here. The insurance covers a portion of our expenses, but is still helpful to us. When I had VPI, there was an upgrade option for more coverage, which would cost more per month as well. When I spoke with Nationwide this was not available. VPI also had a discount program with and I'm not sure if Nationwide has that too. It's a great place to buy pet medications. I'll have to ask them about it.

out of 10

POSTED: | BY: Lizzy Ostro

Well worth it!

I've had VPI for a little over a year and it's been great. My dog has had a few incidents that were well over $500. I've gotten over a thousand dollars back in reimbursements from the insurance. Definitely worth the $25/month I spend!

out of 10

POSTED: | BY: Angelika Gebhardt

Easy to work with Nationwide for this claim only

My tiny 4lb Chihuahua had a bad infection caused by bad teeth. I adopted her when she was 4. She is 8 now. I took her to the dentist and he discovered that one of the K9s had to be extracted because it caused the infection. It also affected several other teeth and they had to be extracted as well. Plus cleaning of the remaining teeth. The bill came up to $980 and Nationwide only covered half of it. It helped but I hoped for more. After that claim was closed I asked how much they would cover for knee surgery on both rear legs. My dog developed luxating patellas as she got older. In order to get this procedure done before she gets to old or the patellas get worth, she needs this surgery. It is not a pre-existing issue, it developed within the last 8 month. When I asked I was told that they do not cover this kind of surgery since it is a common problem with Chihuahuas. So .... why am I paying insurance every month??? I am thinking of canceling my policy.

out of 10

POSTED: | BY: christopher pougunas


I have beeen with VPI for more than 12 years and have seen the service fragmented and go steeply downhill since it became NATIONWIDE. I pay through payroll deduction and have seen major overcharging for total bill is $687.32 and to date this year(with at least 3 more payments to go) I have been charged $744.53!!!!!!! I have contacted them and received many promises but NOTHING IS BEING DONE,I am still being overcharged.

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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