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Nationwide Pet Insurance Reviews

Nationwide’s Whole Pet with Wellness is one of the most comprehensive pet insurance policies on the market, but it’s priced accordingly so that may not be the best option for your pet.

The Major Medical plan is more in line with typical coverages and costs with the Nationwide reputation and financial stability behind it.

Our team has been pleased with their work to earn a better reputation with consumers since the switch from VPI.

It’s important to view your coverage contracts carefully since certain breeds have different coverages and benefits.

Nationwide Pet Insurance Formerly VPI

In 2015, the reputation and service level of VPI had improved enough for Nationwide to bring them under the company brand.

Since then, customer sentiment has continued to improve.

How Does Nationwide Pet Insurance Work?

Nationwide plans different than other pet insurance companies.

With Nationwide, they have the Wellness benefits with their Whole Pet plan or you only get wellness via their Wellness plans. Wellness is not an add-on with Nationwide (making them pricier).

Nationwide’s Pet Health Insurance Plans

  • Whole Pet: comprehensive coverage, including hereditary conditions and wellness care
  • Major Medical: accidents, illnesses, and hereditary coverage only
  • Pet Wellness: partial reimbursement for basic like flea control and shots

Nationwide’s Whole Pet Wellness Plan

The wellness plan is one of the more comprehensive pet insurance policies in the market. In addition to the normal accident and illness coverage, it also includes:

  • Physical exams
  • Vaccinations
  • Flea/heartworm prevention

While this is beneficial, it is a little more expensive than most due to its comprehensive coverage.

The Whole Pet with wellness plan includes hip dysplasia. This is the only plan that offers unlimited coverage, where some of the other pet insurance providers we reviewed, like Healthy Paws, offers it in the standard plan.

Major Medical Pet Insurance Plan

Is more in line cost and coverage-wise with the standard accident and illness plans offered by most companies.

Pets under this plan are covered for common medical costs.

These may include injuries or illnesses related to:

  • Accidents
  • Cancer treatments
  • Hereditary conditions

Chronic illnesses get coverage without additional fees, but owenrs with a major medical policy won’t get reimbursed for a wellness check.

You can just purchase its Major Medical plan without the wellness or purchase the wellness plan separately.

With this plan, each potential illness/accident has a listed maximum payout. So you receive set benefits up to the maximum for each potential incident. This coverage also comes with a $250 deductible and no annual maximum.

Their Pet Wellness Plan covers expenses like wellness checkups, vaccinations, and microchipping, among other common costs. These policies tend to be very affordable.

Nationwide is one of the only pet insurance companies that offer policies for most birds and a wide range of exotic pets, including the Whole Pet with Wellness coverage.

This exotic pet insurance plan covers accidents and illnesses as well as examinations, lab fees, prescriptions, X-rays, hospitalization and more.

We cover most birds and a wide range of exotic pets, including:

Nationwide Pet Wellness Plans

The company has two pet wellness policies that reimburse you for routine pet care. Routine pet care includes regular exams and preventative treatments.

The lower priced option, Nationwide’s Wellness Basic plan, has a $400 annual maximum benefit and reimburses a maximum of $25 per exam, for up to two exams per year. The Wellness Plus insurance plan has a $500 annual maximum and reimburses up to $30 per exam (maximum two exams per year).

Additionally, both plans offer reimbursement for pet health tests. Wellness Basic reimburses $50 per year, and Wellness Plus reimburses $75 per year.

However, Nationwide limits its pet insurance benefits to one type of test per year.

Covered Medical Conditions and Treatments with Nationwide

Under the Major Medical plan the, following treatments are covered and is line with the other pet insurance providers:

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic illness
  • Accident dental ( i.e. your dog or cat’s teeth were damaged from the result of an accident or illness)

The medical treatments that are covered are:

  • Diagnostic testing
  • Surgery
  • Hospitalization
  • Surgery
  • Prescription medications
  • Emergency care
  • Specialty care
  • Alternative care
  • Behavioral therapy


Fetch a Quote with Nationwide

Nationwide Benefit Limits

Both Nationwide plans — Whole Pet with 90% reimbursement, and all other plans with a benefit schedule — offer unlimited annual maximums.

If you want unlimited annual benefits, however, you will have to purchase the Whole Pet plan. Its lower tier plans don’t offer unlimited benefits, but rather, they limit the dollar amount that can be spent on conditions and services based on a benefit schedule.

Benefit schedules tend to be limiting because it actually puts a limit on the most you will be reimbursed for a specific accident or illness. For example, if your pet has cancer or diabetes, your dog or cat will need on-going treatment and it can become very expensive and you can hit the scheduled limit before you know it.

That is why unlimited annual benefits are always preferred.

Reimbursement Method

With its top tier plan, you get 90% reimbursement of the actual vet bill.  As mentioned above, you will pay a higher premium because there is no option for choosing a lower reimbursement. Its lower tier plans reimburse based on a benefits schedule, which includes individual payout caps for each condition or service.

This could be problematic if your pet is susceptible to certain conditions that have low coverage limits.

Benefit schedules and less flexibility in customizing the reimbursement percentage in the top tier plan makes Nationwide’s offerings more limiting.

With all of their plans, just pay your veterinarian at the time of treatment, and then send them the invoice. They will then send you a reimbursement check less any applicable deductible or co-pay.

Nationwide Deductible Type

Nationwide offers just one annual deductible of $250. That makes it an easy choice, but it can also make your premiums more expensive. Without any additional options, you don’t have the chance to lower your premium by choosing a higher deductible as you would with other pet insurance providers.

Most of the other providers that we review, like Embrace, offer a range of deductibles to choose from.

The annual deductible needs to be met just once each 12-month policy term for full coverage to kick in.

How Much Does Nationwide Pet Insurance Cost?

The Whole Pet with Wellness is a fully comprehensive plan which includes wellness, but you pay for it. Their monthly premiums are a little on the high end as opposed to our other companies.

Whole Pet plans currently start around $60 for dog insurance and $32 for cat insurance. The Major Medical plan currently starts around $34 for dog insurance and $18 for cat insurance.

You can get a 5% discount on all packages if you already have Nationwide Home or Renters Insurance. They also offer a 5% discount if you insure more than one pet with them.

How to File a Claim with Nationwide Pet Insurance

Nationwide’s claims procedure is standard for the pet insurance industry. Like other companies, you t first pay the vet directly, then download Nationwide’s claim form, and submit the form with all paid invoices. You can submit via mail, fax or email.

Nationwide estimates that it will take from 14 to 30 days from receiving all of the necessary information to process your claim.  If they have all the information right away, the process is faster.

Nationwide Enrollment & Waiting Period

Nationwide will enroll dog, cats, and other pets starting at 6 weeks old.  Unlike the other companies we reviewed, Nationwide has a relatively lower age restriction with older pets at 10 years. However, if the pet is enrolled before age 10, and the policy never lapses, they will be covered for the duration of their lives.

Waiting periods are industry standard at 14 days, although Wellness starts 24 hours after approval.

You’re free to visit any licensed veterinarian, anywhere in the world—even specialists and emergency providers.

Their accident and Illness waiting period is 14 days.

Nationwide’s “free look” period is only 10 days which is shorter than most. The free-look period means that if you change your mind after enrolling, you can get a full refund.  This helps if you are not sure if your dog or cat’s illness is a pre-existing condition and have time to confirm.

There is a 12 month waiting period for CCL (ACL) surgery for Major Medical plan which is longer than some of the other pet insurance companies we reviewed.

Nationwide does offer a very nice benefit that all policyholders have access to the vet helpline – a 24/7 hotline offered at no cost that provides guidance on general pet concerns and how to identify urgent pet care needs. Nationwide pet insurance also provides a variety of resources online, from a comprehensive pet buying guide to detailed articles on common pet conditions.[/vc_column_text]

Frequently Asked Questions and Answers

What do Nationwide’s pet plans cover?

Of more than 2,000 customer comments on Consumers Advocate, the overwhelming majority describe a positive experience with coverage and claims processing.

However, a notable amount describes difficulties with payouts take months to get paid or never get paid.

One reason for this is complexities in the specifics of Nationwide’s coverage. It will vary across breeds and ages, so it is important to read your coverage closely.

Does Nationwide Pet Insurance have exclusions?

According to “disappointed” and “outraged” Yelpers, Nationwide refuses to cover medical emergencies despite customer and veterinarian appeals.

But, as advertised on their site, they do not cover most conditions that are similar to other pet insurance companies, such as spaying and/or neutering (which is covered in their wellness plans), pre-existing conditions, pregnancy, breeding, or any cosmetic procedures like tail docking, ear cropping, and declaw removal unless medically necessary.

Can I use my own veterinarian?

Yes, with Nationwide you can still use your own vet or pick any licensed veterinarian in the country.
However, many members complain about not being reimbursed as expected and getting nowhere with customer service.

How does Nationwide reimburse vet bills?

With Nationwide there are two types of reimbursements: actual vet costs and a benefit schedule.

With actual vet costs, you’ll be reimbursed based on the actual amount you pay. With a benefit schedule, there are caps and limits on the payout amounts.

How do I reach Nationwide by Phone?

You can also call them at 1-877-263-6000

Does Nationwide insure older pets?

According to their policy, your pet’s coverage will never be canceled due to age.

As long as your pet is enrolled before age 10, the coverage will never be dropped.

Do premiums increase if my pet is injured or sick?

Nationwide claims to not raise premiums regardless of how many claims you file.

Find the Perfect Pet Insurance Plan

While Nationwide is not our top choice, you can always see for yourself if they are the right fit for you and your pet.

If not, there are many reputable, well-reviewed pet insurances that will honor their policies and provide you with great service.

Want the best for your pet? See our 2020 Pet Insurance Comparison Chart.

  1. Reply
    Shelby 11/29/2015 at 3:37 am

    Before I knew about pet insurance, I spent so much on a puppy that got really sick. I thought I could never afford another dog again if something like that happened. With this insurance, I don’t worry anymore about high vet bills anymore. 🙂

    • Reply
      Holly Miller 10/24/2017 at 1:24 am

      Do NOT use this insurance. Horrible customer service and they are ridiculous when they deny claims. My cat developed Giardia symptoms ten days after I got him. He was insured a few days before (after the two week wait) being diagnosed. They claimed it was a pre-existing condition. How is something that wasn’t showing symptoms until two weeks after I got the cat pre-existing. He was never treated for it previously. Absurd

      • Reply
        Natasha 06/25/2018 at 7:05 am

        Unless you performed a fecal exam (that also looks for giardia) when you adopted the cat that was negative, technically, giardia could be considered pre-existing. Giardia symptoms come in waves and the animal could have contracted it ages ago before you would even know about it. Giardia, amongst other intestinal parasites, are extremely common in newly adopted pets, and frequently are not covered by insurance due to the fact that they are found on initial visits and routine screens.

        While this insurance company is one that I cannot believe is in business, for this particular denial, I do agree with the company.

  2. Reply
    Kelly 11/29/2015 at 4:04 am

    I found out about pet insurance the hard way. I had a puppy I spend hundreds of dollars on trying to save his life. He happily made it through, but my wallet did not. I now have pet insurance on all my pets and my wallet is my her happier!

  3. Reply
    Karen 11/30/2015 at 8:57 am

    Whole Pet with Wellness is what I’m thinking. Has anyone else had this one? My friend swears by Nationwide pet insurance. I want to get the one with all the bells and whistles if I’m going to get it at all. I like that it pays 90% of the vet bills.

    • Reply
      micol baldini 03/01/2018 at 9:59 am

      They suck!!!! They won’t cover my dog x-ray even though it is clearly stated I have been paying them for 11 yrs and now they won’t cover it that is B’s!!!!

    • Reply
      Marilyn 11/06/2017 at 9:18 pm

      That’s all a lie . I got the basic wellness plan. Was told it covered vet visits vaccines and preventative heart worm medication. But the kicker is you pay the vet upfront and submit a claim. They paid only 75 towards the 6 month preventative and said that was their portion for that year. The next 6 months were my responsibility ! And they were maxed out and couldn’t pay any towards the yearly vaccines . so they did quite well on my wellness plan. I had the plan through Banfield pet hospital in pet smart where I lived before and it was wonderful and they saved my sick rescue puppy. Wish they had one here

  4. Reply
    Kzoodad 01/25/2016 at 7:30 pm

    Thanks for the information. It is so much easier to shop when you can find detailed information like this. I hate going site to site digging through the sales copy to find out the information I am looking for. In this case nationwide my be a little too expensive for me, so the search continues. Thanks again!

  5. Reply
    Dylan Gonzalez 01/27/2016 at 9:02 pm

    I think I’m sold! What I like most about them is the fact that I can call them in the middle of the night in case our puppy feels sick. I hope our dog has zero health problems but it’s good to know that we’re covered in case something goes wrong.

  6. Reply
    Sydney 01/28/2016 at 9:21 pm

    I never knew pet insurance is a real thing! My doggy didn’t have any health problems until now but I don’t want to end up paying a fortune when I can sign up for a pet insurance and cut down the costs tremendously.

  7. Reply
    katylady77 01/29/2016 at 4:05 am

    I am so glad that there are options! Like sydney I don’t want to end up paying a fortune when insurance is needed. I will browse more in depth and then choose one thanks for the great info!

  8. Reply
    Veronica 01/31/2016 at 1:05 pm

    As a pet owner for only one year I can tell you I’ve had enough! We adopted a beautiful Rottweiler which turned out to have hip dysplasia along with other underlying issues. The vet bills raked more than 15k by now… I already contacted Nationwide, they look very promising!

    • Reply
      Jamie 02/16/2018 at 1:16 am

      Nationwide DOES NOT cover hip dysplasia ever!

      • Reply
        Julie 08/08/2018 at 5:56 pm

        Yes they do, depending on what plan you have.

    • Reply
      Justina Roberts 02/15/2016 at 7:53 pm

      Our mountain cur mix has hip dysplasia and it’s such a scary thing! Nationwide seems like a good fit for me because they won’t drop a pet due to old age. Our dog is only 8 and they take pets up to age 10, so it fits the bill for me.

  9. Reply
    Victoria Nahley 02/15/2016 at 9:48 am

    You always get me with the dang pictures. Cuteness overload.

    I love that the Wellness plan is so affordable and it’s all the basics. Even the Major Medical plan isn’t going to break the bank. I don’t typically see nail trim or health certificate on plans (maybe I’m overlooking) but I definitely think it’s a plus. Nail trims are very important. My dog’s eye was scratched (he is now blind) from a cat so yes, please get your pet’s nails trimmed everyone!

    Nationwide sounds like a great plan for people like me (college student) who cannot afford expensive plans but wants their pet to be covered.

  10. Reply
    Anastacia 02/15/2016 at 7:20 pm

    I never knew Nationwide was the first to offer pet insurance. That certainly gives me confidence that they know how to handle pet insurance claims! I like that with Nationwide you can keep your current vet. It’s hard finding a vet you trust. I wouldn’t want to change vets due to my insurance policy.

  11. Reply
    Nick 02/15/2016 at 8:27 pm

    17$ per month is not expensive at all and knowing that they are the largest in the US and that they have such a good rating from other people makes me happy 4.9/5. I’m really looking forward to this.

    • Reply
      Fran 04/03/2016 at 4:05 pm

      No $17 is excellent value for this type of cover – no need for pets to go without proper healthcare at this rate.

  12. Reply
    Dana Gore 02/16/2016 at 12:08 am

    Nationwide’s plans seem to have some fantastic basic features that eliminate confusion – and they’re inexpensive too.

    I would imagine it has to be comforting to know you can take your pet to anyone in the US under this plan and you’ll be covered. A lot of people travel with their pets, so this is something to take into consideration when choosing an insurance plan.

    I know I would personally feel good about having 24/7 access to a support system in an emergency – ESPECIALLY if I was out of town.

    The fact that they don’t raise premiums regardless of the number of claims you file is really cool.

    • Reply
      Samantha 01/21/2018 at 1:26 am

      No but they increased my premium by about 150 dollars this year as opposed to last…if they keep increasing it like that, it will be totally not cost efficient.

    • Reply
      Yelena G. 02/19/2016 at 8:12 am

      I travel a lot with my dog, so being able to find an insurance plan that allows me to take her to any veterinarian AND has a 24/7 veterinary support line is perfect! I used to have a wellness plan with a chain of veterinary clinics, but I was limited to only those specific clinics. I really think Nationwide will be the best choice for me. Plus, it has great reviews!

  13. Reply
    Graysse 02/16/2016 at 1:03 am

    Nationwide never disappoints! They have the best customer service and best packages designed just for your pet. They took their time to examine my dog and came up with the perfect insurance package with no unnecessary additions. Thank you for that awesome experience.

  14. Reply
    ronline betit 02/17/2016 at 7:39 pm

    This pet insurance is very impressive to me! It has great features that are all for the benefits of my pets, plus it’s very cheap. I think I’m putting this one on top of my list. Is it really the largest? That’s good to know!

  15. Reply
    Michael C. 02/19/2016 at 8:14 am

    When shopping for pet insurance, it has been really important that I know my premiums will never increase because of how many claims I file. You never know what can happen, and I want to save money on my pet’s healthcare by having insurance, not be charged more each month if he needs repeat care. Whole Pet with Wellness is a great choice for us, especially when you can get up to 90% of your vet bill back, and chronic conditions are covered at no additional cost.

  16. Reply
    Donna 02/19/2016 at 8:15 am

    Nationwide was the first to offer pet insurance, and they are still going strong. It’s a company I’ve personally heard great things about, and one that I feel I can trust. Plus, the free 24/7 veterinary phone support line is an amazing bonus! Admittedly, I can be a little overprotective when it comes to caring for my two terriers, so being able to ask the advice of a trusted professional anytime gives me peace of mind.

  17. Reply
    Ariel T. 02/19/2016 at 8:16 am

    My dog and I were on a camping trip last year when she developed a rash on her belly. I took her to a nearby veterinarian and the cost of the visit was over $250. I like Nationwide, because if I am ever in that predicament again, I can take her to any vet and my cost will be substantially lower! Whole Pet with Wellness is a comprehensive plan that will keep her covered no matter where we go!

  18. Reply
    Ujjal Karmakar 02/19/2016 at 8:36 pm

    Nationwide pet insurance is good policy. It offers medical plan for accidents, illnesses, some hereditary, benefit schedule reimbursements $250 deductible, No annual limits which are awesome features one can follow. Though it costs more but it gives some extra benefits which are really good. We can contact with the company through “free 24/7 veterinary phone support”. While other companies raise premiums if your pet gets sick or injured, nationwide does not penalize you and your coverage will remain the same year after year.

  19. Reply
    Lirodin 02/28/2016 at 3:05 pm

    Nation wide is perfect for me as I love doing trips together with my pets. I love that by as little as 17$ monthly I can get my 3 yorkies their general check, although it wouldn’t hurt to increase the quota for the emergencies you never know they are to come. As it happened to my Ibuki. He is really small he’s a 6 year old teacup Yorkie and this one time during a trip to the beach he hit his head so hard against the ground when trying to jump of the bed I thought I had lost him in the spot. He wasnmt moving and was breathing barely. Luckily Nationwide has a 24/7 servic they adviced me on the nearest vets to my place in the moment, and we took action. They covered part of the treatment it was significantly at a lower price if I would compare to not having the Nationwide insurance. Today my Ibuki is till with us thanks to them, and I am grateful for it.

    • Reply
      Pet Insurance U 12/29/2016 at 7:27 pm

      Lirodin what sets Nationwide apart is the 24/7 service in case of emergencies. Being affordable for your budget it always a bonus. We are just glad that Nationwide is working fro you and your Ibuki is doing great.

  20. Reply
    Jennifer 02/28/2016 at 3:49 pm

    I’m impressed with the fact that my pets can have coverage wherever we find ourselves, the knowledge is very calming. We travel a lot so this is actually something that is of high priority for me as it is ultimately going to reduce how much I spend on health care for them yearly. Coupled with the fact that they are well establish and have a respected name everywhere, I know we wont run into any complications.

  21. Reply
    Ivelina Borislavova 03/02/2016 at 2:05 am

    Choosing a coverage for your pet can be tricky,Nationwide has an impressive record and it seems to me that they cover everything. My favorite benefit of choosing them is that you can use your own vet or pick any licensed veterinarian in the country.

  22. Reply
    Momi Nul 03/20/2016 at 1:31 pm

    I never realized National was the first to offer insurance for your pet plan. That certainly gives me assurance that they know how to deal with insurance for your pet plan claims! I like that with National you can keep your current vet. It’s hard finding a vet you believe in. I would not want to change veterinarians due to my insurance plan plan.

    • Reply
      Fran 04/03/2016 at 11:29 pm

      Oh I didn’t realise this either! I really rate Pet Plan, so agreed, this gives extra confidence.

  23. Reply
    comment_blog 03/22/2016 at 9:38 pm

    Whoa Nationwide pet insurance is awesome, It is an insurance that focus most on pet health and living. Choosing the best insurance is to choose Nationwide pet insurance, because they cover everywhere and you can trust them with your pet.

  24. Reply
    Sandy Arora 03/26/2016 at 10:56 am

    We had an emergency with our dog and the bills were very expensive. We were so grateful that Nationwide Pet Insurance came to the rescue and actually did what an insurance company promises to do… HELP! They were fast, friendly, and efficient. We are so grateful to have Nationwide Pet Insurance and thanks to them, our precious four-legged-friend is happy and healthy.

    • Reply
      Pet Insurance U 12/29/2016 at 7:24 pm

      Sandy it’s awesome to know that you where able to have pet coverage in your emergency. No one likes to come out of pocket in any case. Glad to hear that your pet is happy and healthy because that’s exactly what we like to hear. 🙂

  25. Reply
    Sissy MacDougall 03/27/2016 at 8:17 am

    The thing I like about Nationwide is that they cover all accidents and illnesses, which is pretty standard, but you can get reimbursed for up to 90% of the total cost if your pet has something catastrophic. I think that they won’t take pre-existing conditions, like all the rest, but there’s no cap if you get their Whole Pet Plan. Their Major Medical isn’t bad, either. My favorite thing about them is that they will never drop your pet, no matter what.

    If you’re getting a new pet, that would be the time to get the insurance, before anything goes wrong. Insurance is just what it says it is – insurance. You don’t wait and buy car insurance after you have an accident. The same goes for pets. After your dog comes down with something or has some kind of accident, then she fits under the “pre-existing condition” umbrella, and that problem won’t be covered.

    But if you get the insurance timely, you’ll be covered even for genetic and chronic conditions. It’s a no-brainer for me. I want peace of mind and always get insurance. By the way, that’s my dog Pookie in the picture. She’s much cuter than I am. 🙂

  26. Reply
    Fran 04/03/2016 at 2:40 pm

    We were with Nationwide Pet Insurance for our last rescue dog. They were really good in the customer service department as well as offering really worthwhile cover. Not too expensive compared with some of the others too.

  27. Reply
    jc 04/11/2016 at 11:19 am

    Is the deductible applicable with every new incident or is it an annual fee?

    • Reply
      Samantha 01/21/2018 at 1:52 am

      It’s annual, not per incident

  28. Reply
    Melanie Peschel 08/27/2016 at 12:29 am

    So, it is renewal time for one of my dogs and because of so many complaints in reviews I decided to check a few things. The news isn’t good. The last dog we insured had the Superior plan with the cancer rider. That plan doubled the payout of every cancer related treatment or testing, such as chemo went from $1200.00 per year to $2400.00 per year. He did die of cancer after living with cancer for almost a year. He used every cent of his chemo allowance in that time. The new Major Medical plan only pays $2000.00 per year and it pays out more on each chemo treatment which is great if your dog didn’t live very long but really bad if they do because it will be used up in 3 to 5 chemo treatments based on the pricing that we paid at Texas A&M and Alameda East Animal Hospital. They no longer offer the ability to purchase a cancer rider. That example is true across the board for all the cancer treatments. I am not happy with this change at all. We’ve been through treatment cancer twice with our dogs and both outlived what this plan offers. One of the most important things that we had during both of the boys cancer was knowing that we were able to provide what they needed to have a quality life while undergoing the attempt to save their life’s. The last thing one needs is to have the insurance run out half way through. My peace of mind with this insurance is now shattered. We have had VPI since 2000. Nationwide had been at the wheel for 9 years and they have recently changed the name to reflect that. I was also just hit with a $10.00 a month premium hike because, they say, they have raised the payouts. They now offer a new plan that has a $250.00 deductible and covers wellness plus illness at 90% of the Vet invoice. The quote I received for that plan was in the high $70.00 a month range. The $250.00 deductible effectively cancels out most of the wellness benefits because that’s about what it costs to go through the yearly exams, vaccinations, heartworm medication, etc. It does have a good payout after that but is extremely expensive. And at the rate they are raising monthly premiums I have no confidence that it will stay around $78.00 a month. I’m going to check out some other insurance plans which is sad because we had been happy with this insurance company until these plan changes which leave to much room for financial complications in a long term illness.

  29. Reply
    Lois Pinta 09/14/2016 at 8:46 pm

    I was extremely offended by nationwide pet insurance. This company reported me to the State Division of insurance fraud. My dog died and the reject my claim and report me! Such a disgrace. I was able to clear up the claim with the investigator for the State. Shame on them for putting me thru that. I will never recommend them or use them again.

  30. Reply
    AngNaomi 10/22/2016 at 7:17 am

    Hmmmm…seems if you’re looking for an affordable pet insurance and one that has everything you’d need, Nationwide isn’t the best choice. I can understand the appeal of it because it’s such a large insurance company. We must remember that a brand name isn’t an automatic A+. Reading over this review of Nationwide has me leaning more towards the other options for pet insurance. Thanks for the honest opinion on Nationwide pet insurance

  31. Reply
    john 10/28/2016 at 11:33 pm

    I have had Nationwide for over 17 years and highly recommend them. They pay what they say they are going to payMost and don’t play games like I have heard about other pet insurance companies. Even if I don’t use it during the year, I am so glad that I have the coverage. I have the Major Medical Plan which is the best policy you can buy through Nationwide and they cover a lot of the bills.

    I’m grateful for this coverage and it’s a peace of mind that I have it. Every pet owner should have it. Most of my friends have it too and are very happy with Nationwide. The friends that don’t have it, ALWAYS regret they didn’t listen to me and get it when a huge Illness or injury happens to their dog.

    Nationwide…thank you for the peace of mind that you provide me and my dogs!

  32. Reply
    Sarah Bott 10/28/2016 at 11:35 pm

    I have Nationwide on my side for car insurance but had no clue that they also sold pet insurance. And really glad to hear they also offer exotic pet insurance because I have a snake that is very expensive to get treated when he gets sick so will look into that too. Thanks!

  33. Reply
    Cheska J 11/04/2016 at 1:31 pm

    What really entices me when I get any plan is the friendliness of the company, how accommodating they are. Thank you Nationwide Pet Insurance for embodying what it means to be provide quality and excellence… With the price, they are affordable and it helps that they really answer all your queries.

  34. Reply
    Stalwart Stalwart 11/04/2016 at 3:35 pm

    I find VPI extremely easy to work with. I have never had a claim lost and usually it is decided within 3 weeks. Now, I get an e-mail and can check the statement of benefits the moment it is decided. There is also an internet portal where all your records are kept. It is possible I will change my mind as my cat gets older but I would get pet insurance in the future for any pets. I love my nationwide VPI Pet Insurance. The turn around time for claims being paid is super fast and the customer service is excellent. I would highly recommend VPI to all my friends and family. Thanks for sharing

  35. Reply
    bree 11/14/2016 at 12:58 am

    I don’t know about this one. Bad reviews but a low price. It seems like they should be a good company to buy an insurance plan from since they are nationwide, but the reviews still have me concerned. Has anyone else used them that could share some insight? I don’t want to spend a lot of money, but I also don’t want to compromise on coverage.

  36. Reply
    Kevin Mark 11/20/2016 at 10:43 pm

    The work you have put into these reviews is very much appreciated. It is difficult deciding on a pet insurance company without having first hand, honest comments from people who have actually had some experience with the company. I have read through every review and will do the same with your other company reviews. Thanks very much for having this information available!

  37. Reply
    Ryan Squillace 04/21/2017 at 11:17 pm

    This company is horrible. They will not let you submit a quote from a vet in order to make sure that you are covered. They make you actually go through with the procedure, then submit the claim only to be denied. They will take your money happily every single month in order to pay employees whos job is to find any and every way to reject your claim. Do not give them a penny of your money I promise you will regret it when the time comes.

    • Reply
      Pet Insurance U 06/14/2017 at 3:13 am

      Ryan, thank you for sharing and we’re sorry to hear about your experience. Unfortunately, yours is one of the most common and disappointing Nationwide pet insurance complaints. Pet parents trust Nationwide to care for their dog or cat but often find that their claims are denied. You’re stuck paying out of pocket for vet costs and you’ve wasted money on the cost of a Nationwide pet insurance policy. If you have questions about other providers, please let us know. Wishing good health to your pet.

  38. Reply
    Aaron 06/05/2017 at 5:52 am

    Nationwide is definitely the worst

  39. Reply
    Gina 06/10/2017 at 12:59 am

    I will NOT use this plan again. I had over $12,000 in charges for my cat Coco and only received a little over $3000. I am very disappointed. I expected to have some patient responsibility with such a large bill. But I would of been better off saving the premiums in my own account and paying from that savings. I have other pets and will not use this company again.

  40. Reply
    Michael 06/16/2017 at 4:50 pm

    $875 bill was reimbursed by the insurance 340 I’ve never received more than 1/3 of a claim have been paying 75 a month it started 10 years ago at around 40 do yourself a favor put $40 a month aside in a separate account for when you need it for your dog in the long run you will have thousands of dollars in your pocket this is the worst company I’ve ever dealt with

  41. Reply
    Chirp 06/29/2017 at 8:19 am

    It was my big mistake switched to nationwide pet insurance. I’m still wondering why this company keep on running and not under business bureau investigation. First it was completely faults advertisement. They do not covered everything as they stated. They gave you all type of exceptions and not giving you any reimbursement. It said 90% coverage, honestly only 10%. Secondly, they did not trust their customer. They had you chase over your vet and get the history, at the end it said we need record but not history. So they go after your vet. Hello, there is comment on it and that was it. Third, medical review takes 30 days. So if you didn’t get it right for the first time, you add additional 30 days.
    Long story short, this company just want to make money out of you. They aren’t care about your pet or you. So, don’t ever buy from this place.

  42. Reply
    Charles Barlow 07/07/2017 at 9:03 pm

    This is the most useless company for pet insurance. A total waste of time, effort, and MONEY. WHO is rating there people so highly? This company is horrible. DO NOT DO BUSINESS WITH THESE PEOPLE!!!!!!!!!!!!!!!!!!!!

  43. Reply
    Don 07/29/2017 at 4:05 am

    Nationwide is awesome. Someone here is trying to sell you something else. My little got cancer and Nationwide paid back ove 70% of the cost of treatment. Make sure you know what plan you by. Not all levels pay certain things. I would by Nationwade again with blinking.

  44. Reply
    Nancy Makowski 08/03/2017 at 9:11 pm

    I was with VPI for 4 years until they became Nationwide. At that time their service was good and paid well. When they became Nationwide, every time I submitted a claim they did not want to pay saying it was a ‘pre existing’ condition’. My vet had to deal with them saying the claims were not, and who were they to argue with him? Then, they paid. Checks were arriving later and later as well. Additionally they started paying less and less with one excuse or another. Customer service became horrible, I unloaded them and went to Pet Partners Ins. GREAT customer service and got more for my money with them as well.

  45. Reply
    Judy Hardy 08/19/2017 at 11:40 am


  46. Reply
    Jamie Russell 08/25/2017 at 1:59 am


    We were encouraged to get pet insurance when we adopted our dog. Nationwide seemed to have good plans and had the backing of an insurance company that knows what they are doing. So we signed him up for Nationwide Major Medical. This summer when he had a major medical incident we thought we were covered. Well, we were barely covered and are still on the hook for the price of a small car. I could not be more disappointed.

    When I called to ask, the customer service rep argued with me and told me that I should not be upset because they did cover more than I pay in premiums. Is that the baseline? The CSR continued to be unhelpful and rude and tried to justify how they could pay peanuts and leave us on the hook for thousands of dollars when our dog was closer to death than life.
    To add insult to injury, after my putrid phone experience, Nationwide had the gall to send me an email encouraging me to refer my friends. Wait what? Instead of referring my friends to Nationwide, I’m more apt to redeem the referral offer sent to me by a friend to switch to their insurance provider.

    For a company that claims to be “on your side” nothing about this experience has suggested that. Thanks for nothing.

    If you care and love your pet look elsewhere for insurance. If you enjoy pretending to be a doctor and watching your animal slowly fade into nothing then Nationwide is the right choice for you.

  47. Reply
    Shannon 08/30/2017 at 8:10 pm

    Cannot wait until my dogs leg is taken care of and not considered a “pre existing” condition. This insurance is a joke. They falsely diagnose you pet with shit, just so they don’t have to pay out. They say “30 days” for reimbursement? HA! They do everything to delay as much as possible. These people are cheapskates and scum.

  48. Reply
    D Warren 09/01/2017 at 1:32 am

    They used to be great and covered a lot. Now they stink. They don’t cover ANYTHING. I am furious. I paid for a higher cost coverage and it was money down the toilet. DON”T USE THEM. Waste of money.

  49. Reply
    Helen B 09/08/2017 at 8:00 pm

    The rebranding will not this company. They are horrible. A few years ago my dog tore her Achilles tendon. It snapped and coiled itself. The vet had only seen one other instance this bad in his entire career. The bill came to approx 5k. VPI barely paid $700. I thought it was some sort of misunderstanding and had the vet write a note explaining the injury. The vet that operated on our dog was recommended due to the severity of the injury and it turns out he literally wrote the book on dog orthopedics. VPI did not care that it was an Achilles tendon snap and treated it like any other tendon.

    Both my vets currently recommend that none of their clients use VPI or Nationwide.

  50. Reply
    karen harris 09/19/2017 at 12:54 am

    I have several hundred dollars over my deductible waiting for payment. I have had to send additional information which just stalls things out even further. I haven’t received any money so far. I am five weeks into my resubmission and they claim they are swamped and haven’t even got to it yet. So far I cannot say that I am impressed.

  51. Reply
    Svetlana 10/04/2017 at 5:03 pm

    DO NOT BUY for pet insurance through Nationwide Pet Insurance. They are rude over the phone and UNPROFESSIONA!
    Avoid a total scam! They come up with different excuses not to pay the vet bills.
    Save your money and your heartache.

  52. Reply
    John 10/07/2017 at 8:17 pm

    Nationwide is one rip off of company. Rate doubled on a 2 year old dog with no history!!

    Buyer beware, was told nothing but lies to sign up on rates and coverage over time!

    Again, this is on a dog with no problems and only 2 years old.

  53. Reply
    Michael 10/11/2017 at 7:27 am

    DO NOT buy pet insurance from Nationwide. If you do, don’t get upset when you get claims back that have a big fat $0.00 written on them. We have been with VPI/Nationwide for over 5 years and we didn’t have a single issue until this year. One of our cat broke its right front paw and another one got really sick. Both bills were over $1300 and we were 100% denied on both claims, even tho we had the highest level of coverage and have had insurance since they were kittens. Our policies had no exclusions and sure enough we are getting denied on everything that has been submitted. I am cancelling both polcies tomorrow morning as I will not spend another penny on this corrupt and morally banknrupt company.

    Ultimatey just another example of greed and corruption. Nationwide is a joke!

  54. Reply
    Anonymous 10/11/2017 at 7:00 pm

    Horrible, horrible company. BE VERY CAREFUL!!!! Very dishonest and totally unprofessional. After having insurance with them for 5 months and paying $100/month for the premium coverage, my dog was diagnosed with a heart murmur and now, after almost a year of having insurance, they decide they will no longer cover him and reimburse for any of the claims submitted. Unbelievable!

  55. Reply
    Kirk 10/14/2017 at 8:58 am

    I give Nationwide very poor ratings. I had been with VPI for years and I had good experience with them. Now that they are Nationwide all I have seen is that Nationwide looks for any opening to deny coverage’s or to have them excluded.

    I purchased a new born puppy and took him to the vet, at the request of Nationwide, because the puppy was scratching himself. Because of the scratching, Nationwide came up with 10 different allergy exclusions before he had even been tested. I then took ownership of a rescue dog who was allergic to her vaccinations. Because she the prior allergic reaction to the vaccinations, Nationwide came up with 10 different allergy exclusions for this dog too.

    In denying the elimination of the exclusions, Nationwide said that because he was “itchy” the allergy could be dormant for an extended period of time so therefore the exclusions would remain.


  56. Reply
    Toni 11/07/2017 at 11:45 pm

    Never again is right! They have every excuse not to pay! Got my little pooch in April 2017 from a rescue shelter and thought why not get insurance. He is only 3 yrs old and everything is pre-existing or not enough information etc,etc. Wished I never bothered with Nationwide !

  57. Reply
    Amanda Jaszczerski 01/02/2018 at 8:27 pm

    I don’t even have pet insurance with them and I called to get some information and I informed the rep I’m going to keep looking. He started to get an attitude with me and informed me everyone’s quotes won’t be the same because of the breed of dog and age. I informed him in know that and thank you for your time. He just hung up on me!!! I can’t believe he is in customer service, that is just so rude. DO NOT BUY PET INSURANCE WITH THEM!!!

  58. Reply
    Laura 02/08/2018 at 11:00 pm

    DO NOT FALL FOR PURCHASING THIS INSURANCE! I l had used their wellness policy for a couple of years and then upgraded my policy last year to the Whole Pet with Wellness so that I could rest assured that my fur baby was completely covered. I was sold on this policy my the mere fact that it included dental where other companies did not. Unfortunately I discovered that the dental coverage offering is just a big lie. Basically if you take you pup in for their first routine dental cleaning they are not going to cover it because if there is any tarter it is considered a pre-existing condition!!! I just spent $900 at the vet only to find out the hard way that none of it was covered!!!!! My vet, who also had this insurance, was appalled because she said ALL dogs have tarter!!!! Needless to say, I believe neither of us will be using this fraudulent insurance company any more!!! Don’t be fooled!

  59. Reply
    Darrell 04/11/2018 at 9:58 pm

    I have Nationwide Pet Insurance with Wellness and have found them easy to work with. I use their online system for claims and they have reimbursed all my claims. We have only had the insurance for a single year and bought it for our Yorkie when she was 11 months of age but in the first year they have paid out about $250 more than I paid in premiums without a squabble. They paid for checkups, all vaccinations, spaying, medications, a bout with gastroenteritis and picking up an unknown bacteria from the dog park.

    What like is that the deductible is an annual deductible and then I only pay 10% of vet bills so I am never afraid to take my 6-3/4 pound girl into the vet if I am concerned.

  60. Reply
    Allison Matos 04/23/2018 at 10:00 pm

    I couldn’t agree more with the horrible reviews. Nationwide prolongs record reviews just so they can continue to charge you monthly. All the while your claims are ALWAYS denied. Such a waste of money.

  61. Reply
    Jody 05/03/2018 at 8:58 pm

    I have had Nationwide for both of my frenchies.We have the Whole Pet Policies. They have been absolutely wonderful. It took a bit to get my first frenchie’s surgery paid because we had the insurance for only 2 months when he became paralyzed with IVDD, but once it was determined he had no pre-existing conditions leading to this, they paid the claim without much further issues. You have to make sure you fill out the forms completely leaving out nothing in the diagnosis, surgery and medications. Once I determined what they needed, everything else has been smoothe sailing. They usually pay within 2 weeks. My only complaint is that they raised the premiums 66% from last year.

  62. Reply
    Chi 06/18/2018 at 7:26 pm

    Do not sign up with Nationwide. I submitted my first claim 4 months ago and is still under review. Since the first claim is still under review, this prevents any future claims from being reimbursed. My worse fear is they are taking my $90 monthly premium and at the end not reimburising me for my claim. So I ended up paying more out of pocket than without pet insurance. Please stay away from Nationwide if you don’t want to end up paying more money.

  63. Reply
    Whitney 06/19/2018 at 12:50 am

    The customer service representative lied to me, so I could buy a policy. I initially wanted insurance for my dogs neutering. I looked at many different pet insurance. I decided to go with Nationwide. I called and got the best coverage. When I submitted my policy TWICE! I didn’t get reimbursed, based on several excuses! When I called two months later, another customer rep told me, my dog had to be 1 year before I could get him neutered. My dog was 10 months when I got the insurance, but the first rep never told me that. They just want your money. Going to the vet and paying out of pocket would be more beneficial than paying this company!

  64. Reply
    Sudeeksha Murari 06/22/2018 at 5:19 pm

    Worst coverage ever! Its better to put that money aside in a bank, they don’t pay for anything, including when my dog had to got o the vet for a stomach bug, which is apparently routine care.

  65. Reply
    Denise 07/02/2018 at 9:58 pm

    We’ve had Nationwide Whole Pet for a year now and have had nothing but great experiences with them. they have consistently paid out as the contract states. I just received my renewal notice for this next year and there was no rate change. Granted, our dog is really healthy so so far just routine care. We feel we need it the first few years until he is done with puppihood as he gets into everything. We’ve had no issues with number of visits, paying out at 90% each time and fully covering anything our dog has needed: heartworm, flea/tick, ear infection medicine, etc.

    I’d recommend them. Only thing that has been odd is that to get paid back electronically you have to set up this silly Chase account and then accept the payment and then log in and transfer it to your bank. This worked great most of the year but then had some snafoo and didn’t work on my last two reimbursements. I called customer service and they were very helpful. She said I’d get a hard check in a couple weeks. And sure enough I did. That’s the only issue we’ve had. Otherwise, great coverage, good pricing, and great customer service.

  66. Reply
    Judy 07/16/2018 at 9:42 pm

    Horrible, Bad, Worst Pet insurance ever. This is the worst pet coverage ever. My employer went with Nationwide, my dog started a cough over Christmas, I took him tot he vet, on Jan 4th, because I told them I started over Christmas, it was pre-existing and they wouldn’t cover a penny of it. the cough wasn’t documented anyplace. we had only 1 vet. it had a collapsed trachea so not only did we lose a pet, we got screwed by Nation Wide, I hate this company. Don’t go with them. Oh, the best part was they changed the policy on me twice while I was fighting with them to get the claims paid. horrible horrible horrible.

  67. Reply
    Anonymous 07/26/2018 at 2:59 am

    DO NOT use Nationwide Pet insurance. I had our dog with VIP before Nationwide took over. A totally different company. Never had a problem with VIP. With Nationwide a totally different story. Claim after Claim denied. I have the Wellness coverage also….never seems to make my deductible with them. Customer Service is rude…especially Daniel. They charged for the renewal 2 months before it was due……..policy is canceled.

  68. Reply
    Anonymous 07/31/2018 at 8:40 pm

    B. Osborne

    I have Nationwide with VIP included for 5 Years and no Complains. so far the Best. very happy with the Company
    They paid my Dogs Hospital Bill almost in Full only 100.00 Dollars less then the whole Bill. Of course I have the
    Wellness and Major Medical Plans. So far so good.

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