Nationwide Pet Insurance Reviews (VPI Pet Insurance)

Nationwide Pet Insurance
Paws Up
None that we could find
Paws Down
Premium hikes
Denied claims
Low payouts
$33 per month*
Limits, exclusions, & awful customer service. Keep away!

Nationwide Pet Insurance Reviews

Updated 2/27/18 by Our Veterinary Team

Nationwide pet insurance reviews are very poor. Customers criticize Nationwide for refusing to honor claims, denying standard coverage, unfair premium increases, and poor customer service.

Our vet team is disappointed with their bad reputation, bare bones coverage, and long list of exclusions. Additionally, Nationwide Pet Insurance has limitations on annual payouts and lifetime benefit limits. These restrictions can leave you with high out of pocket veterinary expenses.

Nationwide puts your pet’s healthcare and your money at risk. There are less expensive and more reliable options. This list of the best pet insurances for 2018 can help you decide.


VPI Pet Insurance Becomes Nationwide

VPI Pet Insurance’s service and operations were terrible. They are the reason why many people are cynical of pet insurance. Devoted pet parents relied on VPI to help with their pet’s healthcare, but in the end, most customers wasted money on the cost of pet insurance and had to pay vet bills out of pocket.

In 2015, VPI rebranded as Nationwide Pet Insurance, but their customers are still unhappy. It seems that Nationwide inherited VPI’s poor reputation: Nationwide Pet Insurance reviews are the lowest in the industry.

Looking for the best coverage? Read our vet-verified Healthy Paws review, the #1 plan in 2018.


Nationwide Pet Insurance Plans

Nationwide offers three pet health plans, ranging from minimum coverage to comprehensive care with wellness insurance:

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


Nationwide Pet Wellness

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 their pet insurance benefits to one type of test per year.

Nationwide Pet Insurance Reviews from Customers

Average customer review: 2/5


“Disappointed with VPI/Nationwide Pet Insurance”

dachshunds nationwide pet insurance“My little dog was attacked by a pit bull. She needed three separate surgeries to recover. The vet bill was over $5,000. VPI only paid $1,295!!! I’m disappointed that I chose them. Wish I picked a different company.”

Pet Parent of 7 year old dachshund-Henderson, Nevada


“Never Again with Nationwide”

review_dog3“So disappointed in Nationwide/VPI. I paid them for 2 years , they denied my dog’s routine visits because of an over the counter joint supplement. I regret enrolling, requested a full refund of all payments.”

Pet Parent of two Boxers-Buffalo, NY


Nationwide Highlights


Questions About Nationwide Pet Insurance Policies?


What do Nationwide’s pet plans cover?

The company does not process claims or honor reimbursements outlined in their policies, according to verified Nationwide Pet Insurance reviews and customer complaints on Consumer Affairs. Customers claim that payouts take months to get paid or never get paid.

Does Nationwide Pet Insurance have exclusions?

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

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.

Does Nationwide insure older pets?

According to their policy, your pet’s coverage will never be cancelled due to age. As long as your pet is enrolled before age 10, the coverage will never be dropped. However, many Nationwide pet insurance reviews cite unjustified premium increases and unwarranted reimbursement denials.

Do premiums increase if my pet is injured or sick?

Nationwide claims to not raise premiums regardless of how many claims you file. However, according to independent pet insurance review websites, Nationwide has raised premiums on many members after a pet’s accident or illness.


Find the Perfect Pet Insurance Plan

We don’t recommend trusting Nationwide with your pet’s health. 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 2018 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

  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
      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
    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.

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


  45. 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.

  46. 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.

  47. 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.

  48. 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.

  49. 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.

  50. 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.

  51. 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.

  52. 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!

  53. 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!

  54. 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.


  55. 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 !

  56. 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!!!

  57. 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!

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