Nationwide | Pet Insurance Review

4.8

out of 5

Number of reviews 24,744

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: Lynda

I have been very happy with FPI

This is my third dog that I have insured with VPI and have never had a year for any of my pups for which I didn't get my premium back in payments for a variety of issues including prescriptions for my one golden who had epilepsy.
1

out of 5

POSTED: | BY: Judith

DON'T WASTE YOUR MONEY

I have been with this company for a long time. It was just out of laziness, that I didn't change sooner. Their policies are so long and complicated, it is impossible to comprehend. I have only had to file a couple of small claims, and I was never happy with them. Recently, I had a larger claim, and I am very angry with them! I personally feel this company is a rip-off, and will find some reason or another, not to reimburse you what you deserve. I love the new company, I am with. I'm just sorry, that I didn't change sooner!
2

out of 5

POSTED: | BY: Kim

Hard to Deal With

I haven't been real happy with VPI pet insurance (now Nationwide). I adopted a dog from a rescue shelter in December, 2005 and have had coverage with VPI continually until now. They denied a claim in 2015 for allergies that they contend was pre-existing because the dog had scabs on his back legs when I rescued him in 2005. Despite a letter from my Vet, they continue to deny and asked for nine years of records. In my opinion, they are being unreasonable and are attempting to overwhelm me with requests for records.
5

out of 5

POSTED: | BY: Joanne

The best insurance ever!

Carly, my rescue mixed-terrier tore her ACL chasing a squirrel. After conservative treatment didn't work, she was referred to an orthopedic surgeon due to the complicated nature of the injury. She had the ACL repaired, a little metal added and after six months of careful, increased activity is doing very well. We are on a fixed income and without VPI insurance, I'm not sure how we would have managed. Customer service was professional and helpful and our claim was paid promptly.
1

out of 5

POSTED: | BY: Teri

VPI not all cracked up to be

I purchased VPI insurance when I first got my new purebred yorkshire terrier Sammy. In 2003 pet insurance was hard to find. I used them for about the first three years of his life. I found their policy to be complicated and the payouts were rare. I would not recommend VPI as an option for pet insurance. You end up paying most of the costs of annual exams, wellness visits and minor injuries yourself. At least that was my experience.
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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.
Nationwide Pet Insurance detail
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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