Nationwide | Pet Insurance Review

I am a veterinarian and would NOT recommend VPI to any pet owner. The Benefits schedule is very confusing to pet owners and does not provide adequate coverage. Go with a company that provides simple reimbursement plans. Recently I had to refer my own cat to a specialist for cancer. The VPI process was extremely frustrating and time consuming. A similar situation happen with my other cat that had a fever of unknown origin.

I got VPI INSURANCE WHEN I adooted my sweet dog at age 1. She's 9 now and she's great but this insurance is terrible. My dog has had several bouts if pancreatitis so unfortunately I've had need of my insurance. I didn't read the fine print and there wasn't much competition when I got VPI insurance. They don't pay a percentage of your actual bill. They pay a percentage of what THEY DECIDE your bill should be, even if no vet in your area charges that little. The ACTUAL reimbursement I've gotten is closer to 20% , nowhere near the 80% I thought I signed up for. They do pay and they're friendly and they send my dog a birthday card. But financially VPI was a terrible choice.

My 6 yr old lab mix had diarrhea. VPI reimbursed 44%. I am glad I have pet insurance.

Slow claims process. Expect weeks for initial claim and then many more week for appeal. Pay out percentages are horrible. Cannot use it in first 12 months. They deny everything for a myriad of reasons. Expect them to drag their feet and request more paper work. After a 6 month claim process with multiple claim disputes and their various reasons for denying (mostly requesting more info). They finally denied saying it happened in first 12 months of coverage. Why didn't they say that in month 1? This is all under the high dollar $70 a month plan. Horrible company. Very disappointed.

VPI has a schedule of what they will pay for individual services/conditions. It is not much compared to what you are charged if you have a major event with your pet. We switched to Trupanion. They pay 90% after the deductible (per illness/incident) minus office visit charge.