Nationwide Pet Insurance Reviews
Updated 6/27/17 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.
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”
“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”
“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
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 2017 Pet Insurance Comparison Chart.