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: Acors

Super insurance

I am a VIP customer for over 8 years, I hade many dogs and very satisfied with my insurance. The last time I field a claimed was for my 2 year old Cassidy (boxer/Master shift)she torn her ligament the bill was over $1000 and VIP reimbursed me all, even the after care. I visit Helping Hands in Baltimore and got outstanding service. Cassidy is now back to her normal active life playing with her sister. Thank you VIP for always come thru with repaying my vet bills. VIP helps me also with my Vet bills that can put holes in your pockets with two dogs. If you love your animal you need to signed up for VIP so you can afford all medical care you need to keep you pet in good shape and healthy. The only thing I don't like is you have to wait so long for the re-imbursement.

out of 5

POSTED: | BY: Terri Moore

VPI has been a huge asset for us

I actually first got VPI insurance for my previous dog, Logan, over 18 years ago. The dog we had before him was VERY ill with heart issues and I had no coverage. I purchased VPI the day we brought Logan home. After we lost Logan, I did the same for Bentley. I've never done the math, so I can't say one way or the other whether we got more out than we put in over the years, but I CAN say that it is a huge relief—and a huge help— when you receive that VPI check after a very large medical expense (and we have had plenty). Add to that the quick turnaround of claims and the very personal, compassionate and knowledgeable service you receive when you call, and the insurance, to me, is worth every penny.

out of 5

POSTED: | BY: Barbara

Well worth it

I have placed 3 claims thus far for my 2 year old Russian Blue. Twice he was taken to the emergency hospital for vomiting/dehydration.Most recent claim was when he broke his leg.Claims were paid promptly

out of 5

POSTED: | BY: Martha Dauphinais

I can't complain

Ranger is a 6 year old labradoodle. When he was 2 he tore a ligament in his left knees, which had to be replaced. Then 2 months later he ate something that caused a blockage and had to have emergency surgery. At that point I decided to get VPI. The left knee was of course excluded, but after 6 months the stomach blockage incident was taken off exclusion. At age 4 he tore the ligament in his right knee! Vpi paid for all but my deductible and also covered the laser treatments that got him moving again.

out of 5

POSTED: | BY: Coco

Very Satisfied

I have submitted several claims within the past year for our Cocopoo puppy (bladder infection, eye infection, etc). Each claim was processed accurately and I was sent a check promptly after processing. I had a question regarding one of my claims and sent an email...I got a response within 72 hours. I'm glad I have pet insurance and I'm glad it's VPI.

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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