Healthy Paws Pet Insurance and Foundation.

Nationwide VPI Pet Insurance Reviews

Nationwide Pet Insurance Review

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.

Still looking for the best coverage? Read our vet-verified review of Healthy Paws, the #1 pet insurance in 2016.

towell_under_dog
Our Final Grade

D

Overall Satisfaction Rating
(Based on overall customer satisfaction)
How Our Ratings Work

Our Rating Criteria
Above Average Claim Approval
55% Customer Satisfaction Rate
24/7 Phone and Email Support
Most Customers Stay Enrolled

Coverage Plans

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.

Pet Wellness Pet Insurance Coverage

pet wellnessSM

Coverage for shots, flea control & more

Just right for just the essentials. Set benefit amounts for common wellness expenses to keep your dog healthy.

starting at
$17/mo.
Plan details
Comprehensive Dog Medical Insurance Coverage

major medicalSM

Set benefits for accidents, illnesses & hereditary conditions

Dependable, budget-friendly dog insurance plan. Set benefit amounts for common medical expenses.

starting at
$34/mo.
Our most popular plan
Plan details
Whole Pet with Wellness Dog Health Insurance Coverage

whole petSMwith wellness

EXCELLENT COVERAGE

Pays 90% of your vet bills. All hereditary issues covered + wellness care.

starting at
$64/mo.
Plan details

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.

icon_xl_wellnessPlus

pet wellnessSM

wellness plus
$17-22/mo.*
wellness basic
$12-18/mo.*
One additional test:
(1) Health screen (blood test)
(2) Radiograph (X-rays) or
(3) Electrocardiogram (EKG)
$75
One test per
policy term
$50
One test per
policy term
Maximum annual benefit $500 $400
Physical exam:
Two exams per policy term
$60
$30 max per exam
$50
$25 max per exam
Behavioral exam and/or treatment $30 $30
Vaccination or titer $75 $50
Heartworm or FeLV/FIV test $35 $30
Fecal test $25 $15
Deworming $25 $25
Nail trim $20 $20
Microchip $40 $40
Health certificate $40 $40
Flea control or
heartworm prevention
$75 $50
Wellness plans are not available in all states.
*Premiums vary based on the species of the pet, plan type and state of residence.

Recent Nationwide/VPI Customer Reviews

Average customer review 5.5/10

“Disappointed with VPI/Nationwide”

dachshunds nationwide pet insuranceMy dog was attacked by a pitbull & needed three surgeries. The vet bill was over $5,000. VPI only paid $1,295!!! Really??

Pet Parent of Seven-Year-Old Dachshund
Henderson, Nevada

“Never Again Nationwide”

review_dog3So 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
15085451_xxl

Nationwide Facts

  • Formerly VPI Pet Insurance
  • 5.5/10 customer rating score
  • Complaints about low payouts

Nationwide Q & A

What does Nationwide cover?

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.

What conditions are excluded?

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 do reimbursements work?

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.

Will my pet’s coverage be cancelled because of old age?

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.

Do premiums increase if my pet is injured or sick?

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

Find the perfect plan

Shop smart, read reviews 4/5
*Find the right coverage to protect your pet
Summary
Review Date
Reviewed Item
Nationwide VPI Pet Insurance
Author Rating
1
  • Shelby

    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. 🙂

  • Kelly

    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!

  • Karen

    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.

  • Kzoodad

    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!

  • Dylan Gonzalez

    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.

  • Sydney

    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.

  • katylady77

    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!

  • Veronica

    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!

    • Justina Roberts

      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.

  • 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.

  • Anastacia

    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.

  • Nick

    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.

    • Fran

      No $17 is excellent value for this type of cover – no need for pets to go without proper healthcare at this rate.

  • 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.

    • Yelena G.

      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!

  • Graysse

    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.

  • ronline betit

    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!

  • Michael C.

    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.

  • Donna

    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.

  • Ariel T.

    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!

  • Ujjal Karmakar

    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.

  • 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.

  • 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.

  • 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.

  • Momi Nul

    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.

    • Fran

      Oh I didn’t realise this either! I really rate Pet Plan, so agreed, this gives extra confidence.

  • comment_blog

    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.

  • Sandy Arora

    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.

  • Sissy MacDougall

    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. 🙂

  • Fran

    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.

  • jc

    Is the deductible applicable with every new incident or is it an annual fee?

  • Melanie Peschel

    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.

  • Lois Pinta

    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.

  • AngNaomi

    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

  • john

    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!

  • Sarah Bott

    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!

  • Cheska J

    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.

  • Stalwart Stalwart

    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

  • bree

    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.

  • Kevin Mark

    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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