Nationwide Pet Insurance Reviews
Updated 2/27/18 by Our Veterinary Team
Nationwide pet insurance reviews (formerly known as Veterinary Pet Insurance) have improved considerably since it was renamed under the Nationwide umbrella in 2015. Customer reviews often criticize Nationwide for difficulty paying claims, but the company receives overwhelming positive reviews as a counterpoint.
You can view rates for Nationwide here.
Our vet team has been pleased with their work to earn a better reputation with consumers since the switch from VPI. 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.
It’s important to view your coverage contracts carefully, since certain breeds have different coverages and benefits. If Nationwide is not the best insurer for your pet, this list of the best pet insurances for 2018 can help you decide.
VPI Pet Insurance Becomes Nationwide
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.
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?
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 describe 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.
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.
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
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.