Nationwide | Pet Insurance Review

4.8

out of 5

Number of reviews 21,391

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.8
  • 4.4
  • 4.8
  • Count
  • 4
  • 39
  • 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.
5

out of 5

POSTED: | BY: Angi Mozer

Totally satisfied - because I did my homework

Without boring you with the details of our situation, we decided to get pet insurance after spending way too much on our dog's medical needs. Our dog had a surprise diagnosis with a price tag of about $6,000. I did my homework and knew that there was a set amount that VPI would pay for specific diagnoses; my husband did not. I was actually pleasantly surprised about how much we received to cover the costs (just over 50%); my husband was not impressed but that's because he didn't understand how the insurance works. Here's another pleasant surprise: you don't have to submit medical bills and get each bill individually reimbursed. About two weeks after diagnosis we just received the entire benefit from the insurance, even though we experienced the cost of the treatment over 5 months. That helped so much. We are thrilled with this service, even after some misunderstanding on my husband's part.
5

out of 5

POSTED: | BY: Karen

wonderful service

I have had VPI 5 years now and am always satisfied with the amount of my reimbursement as well as how quickly I am contacted and updated. Great customer service.
5

out of 5

POSTED: | BY: Joyce Guarino

Well worth it

So far. So good. We also purchased the wellness rider for our 6 month old toy poodle which covered neutering, exams, heart worm and flea & tick meds. It has already paid for itself. The form was short and easy to fill out. I faxed it along with copy of the itemized Vet bill and was reimbursed in less than 3 weeks
5

out of 5

POSTED: | BY: Chris

Thank goodness for pet insurance

We have had VPI since our Aust Cattle Dog was 4 months and she is 3 yrs old now. After having 2 other dogs in the past who had significant illnesses that almost broke us, we bought pet insurance. Our ACD had to have extensive dental work last Fall and VPI paid everything but $700.00 for which we were grateful. Most recently, she swallowed a foreign body and reimbursement was for everything ($362.00) except for $40.00 which we didn't expect to begin with. Be sure to itemize on claims and read your policy. We are happy.
5

out of 5

POSTED: | BY: Erica

Wonderful!

Our dog has a mast cell tumor which required surgery to remove which costed over $900!! We were so glad that VPI came through in such a timely manner and covered all but our deductible!! We are extremely satisfied and have already recommended VPI to our pet owning friends!!

Monthly Cost

Policies start at approximately $12 per month.

Coverage

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.

Deductible

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.

Exclusions

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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