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 4/9/17 by Dr. Pippa Elliot

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 2017 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 2017.


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 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 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.

  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. 🙂

  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.

  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 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 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?

  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!

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