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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
    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.

  2. 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.

  3. 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.

  4. 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.

  5. 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.

  6. 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. 🙂

  7. 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. 🙂

  8. 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.

  9. Reply
    jc 04/11/2016 at 11:19 am

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

    • Reply
      Samantha 01/21/2018 at 1:52 am

      It’s annual, not per incident

  10. 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.

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