Nationwide | Pet Insurance Review


out of 5

Number of reviews 21,394

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 4.3
  • 4.8
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  • 27
  • 21,394

Updated: May 29, 2024

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: Jill

100% recommend

I have had VPI pet insurance for three years. I decided to get it after my puppy spent more time in the vet her first year of life than at home--she had so many skin issues and it cost me so much money. Since then, she hasn't had too many issues with her skin but has had two surgeries, along with her annual appointments. VPI has always received my claim and issued me a check promptly and it's always a sufficient amount. You end up paying a monthly fee for pet insurance but when you go to the vet and your bill is $600 and you get $480 back, it ends up being worth it. I usually break about even but it's a lot easier to swallow than coughing up $600 when you didn't expect to. I think VPI pet insurance is great and would definitely recommend for pet owners!

out of 5

POSTED: | BY: Rita Magonigal

Thank goodness I have VPI insurance for my Bischon

After a very expensive surgery to remove a bladder stone on my 3 year old Bischon, I started to research pet insurance companies. I checked on VPI and liked what I read. I signed Roxie up in Jan 2014. The bladder stone problem was a pre-existing condition that would not be covered but I figured in case of an accident it would be beneficial to have insurance to fall back on. 2014 was fairly uneventful, she had 2 foot infections (due to excessive licking) and VPI paid well. The monthly cost & what I was reimbursed were a difference of $12. Already in 2015 the insurance has reimbursed me more than the monthly fees will cost me. She was diagnosed with hemmorhagic gastroenteritis - we almost lost her! After several rough days & nights, 2 hospital stays, 3 hydration treatments and numerous medications, she is well again. The vet bill was close to $1,000 and I am very glad to report that VPI paid all but about $150 ($100 was my deductable). My vets office submitted each claim and everything was paid quickly with no questions. Having the insurance makes going to the vet a lot less stressful and so much easier on the pocketbook

out of 5

POSTED: | BY: rebecca oliveira

No coverage yet

I'm really upset with this insurance. I have a boxer who has just torn something in his leg as he limps around a lot, it's pretty sad to see him this way as I can tell he is in pain. I called to ask them if by some chance he would be covered. They told me that if it was a torn acl or ccl that I would at least have to have the policy for 12 months before he can be covered. I feel my dog is family and with medical insurance I do not have to wait for anything to be covered. I pay 50$ a month and now have to wait 12 before I can do anything to my boxer? I just don't feel it's fair. I am probably going to cancel this and may have to take a loan out to help "my child" get out of pain. So disappointed.

out of 5

POSTED: | BY: Maddie

Love this insurance - VPI

We have had VPI since 2006 and have been very satisfied with them. Our little female became ill in October of 2014. We have paid over $4000 (tests, treatments, medicines) and have receive all but maybe $1000 back, and that was explained well in the EOB. They have been very easy to work with and easy to file claims. I would recommend VPI to everyone that has a pet.

out of 5

POSTED: | BY: Barbara Ravitz

Best thing that ever happened to me and my dog

This insurance is the best. I never had pet insurance before but am sure glad I went with VPI. They are courteous, fast at responding and reasonable in price. I can't tell you how comfortable I feel with them. They are A+ in my book.

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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