Nationwide Customer Complaints
Updated 8/13/2016. By Dr. Pippa Elliot, BVMS, MRCVS
Nationwide, formerly VPI Pet Insurance is criticized by customers for refusing to honor claims, denying standard coverage, deceptive business practices and poor customer service.
Although VPI has rebranded as Nationwide, customers are still unhappy and the pet insurance giant is one of the lowest-rated providers.
Nationwide is rated 1/5 stars by Consumer Affairs, with an average Yelp review score of 2/5 and a alarmingly low score at petinsurancereview.com of 3/10 for the past 60 days.
We also reviewed customer complaints over raised premiums, being penalized unfairly and as DeeDee, a Shetland Sheepdog owner summarized in a recent pet insurance review, claiming that certain conditions are pre-existing and unfairly denying payment.
Nationwide offers three plans that range from routine wellness coverage to comprehensive insurance.
Whole Pet with Wellness is the only plan by Nationwide to offer important genetic coverage.
Major Medical plan offers accident and illness protection only.
Pet Wellness only offers routine basics like vaccinations, flea/tick protection.
Coverage for shots, flea control & more
Just right for just the essentials. Set benefit amounts for common wellness expenses to keep your dog healthy.
Set benefits for accidents, illnesses & hereditary conditions
Dependable, budget-friendly dog insurance plan. Set benefit amounts for common medical expenses.
whole petSMwith wellness
Pays 90% of your vet bills. All hereditary issues covered + wellness care.
wellness coverage plans
Routine pet care plans that give you cash back for the regular exams and preventive treatments your pet needs to stay healthy. Choose the amount of coverage that’s right for your dog or cat.
*Premiums vary based on the species of the pet, plan type and state of residence.
Recent Nationwide/VPI Customer Reviews
“Disappointed with VPI/Nationwide”
“Never Again Nationwide”
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.
Nationwide Q & A
According to verified customer complaints on Consumer Affairs, Nationwide does not process claims and honor the reimbursements outlined in their policy. Nationwide customers claim that payouts take months or go completely unpaid.
According to “disappointed” and “outraged” Yelpers, Nationwide refuses to cover medical emergencies despite customer and veterinarian appeals.
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.
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.
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, customers complain about unjustified premium increases and unwarranted reimbursement rejection.
On paper, 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 members after a pet’s accident or illness.
Compare Nationwide Pet Insurance
Updated side-by-side comparison chart verified by veterinarians