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Nationwide Pet Insurance Reviews

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.

Our team has been pleased with their work to earn a better reputation with consumers since the switch from VPI.

It’s important to view your coverage contracts carefully since certain breeds have different coverages and benefits.

Need Pet Insurance?

FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!

Nationwide Pet Insurance Formerly VPI

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.

How Does Nationwide Pet Insurance Work?

Nationwide plans different than other pet insurance companies.

With Nationwide, they have the Wellness benefits with their Whole Pet plan or you only get wellness via their Wellness plans. Wellness is not an add-on with Nationwide (making them pricier).

Nationwide’s Pet Health Insurance Plans

  • Whole Pet: comprehensive coverage, including hereditary conditions and wellness care
  • Major Medical: accidents, illnesses, and hereditary coverage only
  • Pet Wellness: partial reimbursement for basic like flea control and shots

Nationwide’s Whole Pet Wellness Plan

The wellness plan is one of the more comprehensive pet insurance policies in the market. In addition to the normal accident and illness coverage, it also includes:

  • Physical exams
  • Vaccinations
  • Flea/heartworm prevention

While this is beneficial, it is a little more expensive than most due to its comprehensive coverage.

The Whole Pet with wellness plan includes hip dysplasia. This is the only plan that offers unlimited coverage, where some of the other pet insurance providers we reviewed, like Healthy Paws, offers it in the standard plan.

Related: 10 Things You Must Know Before You Buy Pet Insurance

Major Medical Pet Insurance Plan

Is more in line cost and coverage-wise with the standard accident and illness plans offered by most companies.

Pets under this plan are covered for common medical costs.

These may include injuries or illnesses related to:

  • Accidents
  • Cancer treatments
  • Hereditary conditions

Chronic illnesses get coverage without additional fees, but owenrs with a major medical policy won’t get reimbursed for a wellness check.

You can just purchase its Major Medical plan without the wellness or purchase the wellness plan separately.

With this plan, each potential illness/accident has a listed maximum payout. So you receive set benefits up to the maximum for each potential incident. This coverage also comes with a $250 deductible and no annual maximum.

Real Cost Savings from Nationwide Clients


Nationwide insurance saved his parents


Senta got a bone disease called hypertrophic osteodystrophy. Therapy and drug treatment cost $7,770. Senta is now back to his playful self.

Their Pet Wellness Plan covers expenses like wellness checkups, vaccinations, and microchipping, among other common costs. These policies tend to be very affordable.

Nationwide is one of the only pet insurance companies that offer policies for most birds and a wide range of exotic pets, including the Whole Pet with Wellness coverage.

This exotic pet insurance plan covers accidents and illnesses as well as examinations, lab fees, prescriptions, X-rays, hospitalization and more.

We cover most birds and a wide range of exotic pets, including:

Nationwide Pet Wellness Plans

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 its pet insurance benefits to one type of test per year.

Covered Medical Conditions and Treatments with Nationwide

Under the Major Medical plan the, following treatments are covered and is line with the other pet insurance providers:

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic illness
  • Accident dental ( i.e. your dog or cat’s teeth were damaged from the result of an accident or illness)

The medical treatments that are covered are:

  • Diagnostic testing
  • Surgery
  • Hospitalization
  • Surgery
  • Prescription medications
  • Emergency care
  • Specialty care
  • Alternative care
  • Behavioral therapy

Fetch a Quote with Nationwide

Nationwide Benefit Limits

Both Nationwide plans — Whole Pet with 90% reimbursement, and all other plans with a benefit schedule — offer unlimited annual maximums.

If you want unlimited annual benefits, however, you will have to purchase the Whole Pet plan. Its lower tier plans don’t offer unlimited benefits, but rather, they limit the dollar amount that can be spent on conditions and services based on a benefit schedule.

Benefit schedules tend to be limiting because it actually puts a limit on the most you will be reimbursed for a specific accident or illness. For example, if your pet has cancer or diabetes, your dog or cat will need on-going treatment and it can become very expensive and you can hit the scheduled limit before you know it.

That is why unlimited annual benefits are always preferred.

Reimbursement Method

With its top tier plan, you get 90% reimbursement of the actual vet bill.  As mentioned above, you will pay a higher premium because there is no option for choosing a lower reimbursement. Its lower tier plans reimburse based on a benefits schedule, which includes individual payout caps for each condition or service.

This could be problematic if your pet is susceptible to certain conditions that have low coverage limits.

Benefit schedules and less flexibility in customizing the reimbursement percentage in the top tier plan makes Nationwide’s offerings more limiting.

With all of their plans, just pay your veterinarian at the time of treatment, and then send them the invoice. They will then send you a reimbursement check less any applicable deductible or co-pay.

Nationwide Deductible Type

Nationwide offers just one annual deductible of $250. That makes it an easy choice, but it can also make your premiums more expensive. Without any additional options, you don’t have the chance to lower your premium by choosing a higher deductible as you would with other pet insurance providers.

Most of the other providers that we review, like Embrace, offer a range of deductibles to choose from.

The annual deductible needs to be met just once each 12-month policy term for full coverage to kick in.

How Much Does Nationwide Pet Insurance Cost?

The Whole Pet with Wellness is a fully comprehensive plan which includes wellness, but you pay for it. Their monthly premiums are a little on the high end as opposed to our other companies.

Whole Pet plans currently start around $60 for dog insurance and $32 for cat insurance. The Major Medical plan currently starts around $34 for dog insurance and $18 for cat insurance.

You can get a 5% discount on all packages if you already have Nationwide Home or Renters Insurance. They also offer a 5% discount if you insure more than one pet with them.

Real Cost Savings from Nationwide Clients


Nationwide insurance saved his parents


Max had a urinary blockage that required surgery. After medication and a few follow-up visits, he recovered well and is now doing great!

Nationwide Pet Insurance vs Healthy Paws and Others

Healthy Paws has the lowest costs for mixed breeds up to age 2. Depending on the age and the breed of your pet, Nationwide compares well with Healthy Paws and other competitors. 

Learn more about the cost of Nationwide Pet Insurance vs Competitors: 

Nationwide Pet Insurance vs Figo

Nationwide Pet Insurance vs Healthy Paws 

Trupanion vs Nationwide Pet Insurance

Nationwide Pet Insurance vs Embrace Pet Insurance

Nationwide vs PetPremium Pet Insurance

How to File a Claim with Nationwide Pet Insurance

Nationwide’s claims procedure is standard for the pet insurance industry. Like other companies, you t first pay the vet directly, then download Nationwide’s claim form, and submit the form with all paid invoices. You can submit via mail, fax or email.

Nationwide estimates that it will take from 14 to 30 days from receiving all of the necessary information to process your claim.  If they have all the information right away, the process is faster.

Nationwide Enrollment & Waiting Period

Nationwide will enroll dog, cats, and other pets starting at 6 weeks old.  Unlike the other companies we reviewed, Nationwide has a relatively lower age restriction with older pets at 10 years. However, if the pet is enrolled before age 10, and the policy never lapses, they will be covered for the duration of their lives.

Waiting periods are industry standard at 14 days, although Wellness starts 24 hours after approval.

You’re free to visit any licensed veterinarian, anywhere in the world—even specialists and emergency providers.

Their accident and Illness waiting period is 14 days.

Nationwide’s “free look” period is only 10 days which is shorter than most. The free-look period means that if you change your mind after enrolling, you can get a full refund.  This helps if you are not sure if your dog or cat’s illness is a pre-existing condition and have time to confirm.

There is a 12 month waiting period for CCL (ACL) surgery for Major Medical plan which is longer than some of the other pet insurance companies we reviewed.

Nationwide does offer a very nice benefit that all policyholders have access to the vet helpline – a 24/7 hotline offered at no cost that provides guidance on general pet concerns and how to identify urgent pet care needs. Nationwide pet insurance also provides a variety of resources online, from a comprehensive pet buying guide to detailed articles on common pet conditions.[/vc_column_text]

Frequently Asked Questions and Answers

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 describes 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.

But, as advertised on their site, they do not cover most conditions that are similar to other pet insurance companies, such as spaying and/or neutering (which is covered in their wellness plans), pre-existing conditions, pregnancy, breeding, or any cosmetic procedures like tail docking, ear cropping, and declaw removal unless medically necessary.

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.

How do I reach Nationwide by Phone?

You can also call them at 1-877-263-6000

Does Nationwide insure older pets?

According to their policy, your pet’s coverage will never be canceled 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

While Nationwide is not our top choice, you can always see for yourself if they are the right fit for you and your pet.

If not, 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 2020 Pet Insurance Comparison Chart.

Other articles you may find helpful: 

Is Exotic Pet Insurance Necessary? 

The Best Pet Insurance By State 

What Is Pet Insurance?

Fun Facts, Dog FAQ’s, And Unsolicited Dog Advice

5 Training Commands to Save Your Dog’s Life

The Ultimate Guide to Safe Foods for Dogs

Dog Health Problems

Dog Breeds


Cat Health Problems

Cat Breeds

You may find helpful one of our other Best Pet Insurance Reviews which include over 35 top insurers compared with cheap and affordable pet insurance and discounted mixed breed pet insurance

  1. Reply
    Darrell 04/11/2018 at 9:58 pm

    I have Nationwide Pet Insurance with Wellness and have found them easy to work with. I use their online system for claims and they have reimbursed all my claims. We have only had the insurance for a single year and bought it for our Yorkie when she was 11 months of age but in the first year they have paid out about $250 more than I paid in premiums without a squabble. They paid for checkups, all vaccinations, spaying, medications, a bout with gastroenteritis and picking up an unknown bacteria from the dog park.

    What like is that the deductible is an annual deductible and then I only pay 10% of vet bills so I am never afraid to take my 6-3/4 pound girl into the vet if I am concerned.

  2. Reply
    Allison Matos 04/23/2018 at 10:00 pm

    I couldn’t agree more with the horrible reviews. Nationwide prolongs record reviews just so they can continue to charge you monthly. All the while your claims are ALWAYS denied. Such a waste of money.

  3. Reply
    Jody 05/03/2018 at 8:58 pm

    I have had Nationwide for both of my frenchies.We have the Whole Pet Policies. They have been absolutely wonderful. It took a bit to get my first frenchie’s surgery paid because we had the insurance for only 2 months when he became paralyzed with IVDD, but once it was determined he had no pre-existing conditions leading to this, they paid the claim without much further issues. You have to make sure you fill out the forms completely leaving out nothing in the diagnosis, surgery and medications. Once I determined what they needed, everything else has been smoothe sailing. They usually pay within 2 weeks. My only complaint is that they raised the premiums 66% from last year.

  4. Reply
    Chi 06/18/2018 at 7:26 pm

    Do not sign up with Nationwide. I submitted my first claim 4 months ago and is still under review. Since the first claim is still under review, this prevents any future claims from being reimbursed. My worse fear is they are taking my $90 monthly premium and at the end not reimburising me for my claim. So I ended up paying more out of pocket than without pet insurance. Please stay away from Nationwide if you don’t want to end up paying more money.

  5. Reply
    Whitney 06/19/2018 at 12:50 am

    The customer service representative lied to me, so I could buy a policy. I initially wanted insurance for my dogs neutering. I looked at many different pet insurance. I decided to go with Nationwide. I called and got the best coverage. When I submitted my policy TWICE! I didn’t get reimbursed, based on several excuses! When I called two months later, another customer rep told me, my dog had to be 1 year before I could get him neutered. My dog was 10 months when I got the insurance, but the first rep never told me that. They just want your money. Going to the vet and paying out of pocket would be more beneficial than paying this company!

  6. Reply
    Sudeeksha Murari 06/22/2018 at 5:19 pm

    Worst coverage ever! Its better to put that money aside in a bank, they don’t pay for anything, including when my dog had to got o the vet for a stomach bug, which is apparently routine care.

  7. Reply
    Denise 07/02/2018 at 9:58 pm

    We’ve had Nationwide Whole Pet for a year now and have had nothing but great experiences with them. they have consistently paid out as the contract states. I just received my renewal notice for this next year and there was no rate change. Granted, our dog is really healthy so so far just routine care. We feel we need it the first few years until he is done with puppihood as he gets into everything. We’ve had no issues with number of visits, paying out at 90% each time and fully covering anything our dog has needed: heartworm, flea/tick, ear infection medicine, etc.

    I’d recommend them. Only thing that has been odd is that to get paid back electronically you have to set up this silly Chase account and then accept the payment and then log in and transfer it to your bank. This worked great most of the year but then had some snafoo and didn’t work on my last two reimbursements. I called customer service and they were very helpful. She said I’d get a hard check in a couple weeks. And sure enough I did. That’s the only issue we’ve had. Otherwise, great coverage, good pricing, and great customer service.

  8. Reply
    Judy 07/16/2018 at 9:42 pm

    Horrible, Bad, Worst Pet insurance ever. This is the worst pet coverage ever. My employer went with Nationwide, my dog started a cough over Christmas, I took him tot he vet, on Jan 4th, because I told them I started over Christmas, it was pre-existing and they wouldn’t cover a penny of it. the cough wasn’t documented anyplace. we had only 1 vet. it had a collapsed trachea so not only did we lose a pet, we got screwed by Nation Wide, I hate this company. Don’t go with them. Oh, the best part was they changed the policy on me twice while I was fighting with them to get the claims paid. horrible horrible horrible.

  9. Reply
    Anonymous 07/26/2018 at 2:59 am

    DO NOT use Nationwide Pet insurance. I had our dog with VIP before Nationwide took over. A totally different company. Never had a problem with VIP. With Nationwide a totally different story. Claim after Claim denied. I have the Wellness coverage also….never seems to make my deductible with them. Customer Service is rude…especially Daniel. They charged for the renewal 2 months before it was due……..policy is canceled.

  10. Reply
    Anonymous 07/31/2018 at 8:40 pm

    B. Osborne

    I have Nationwide with VIP included for 5 Years and no Complains. so far the Best. very happy with the Company
    They paid my Dogs Hospital Bill almost in Full only 100.00 Dollars less then the whole Bill. Of course I have the
    Wellness and Major Medical Plans. So far so good.

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