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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 Healthy Paws Clients


Healthy Paws saved his parents


Samson tore his ACL in a lively game of fetch. After surgery and rehab, Samson is back to his playful self and never turns down a game of fetch!

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 Healthy Paws Clients


Healthy Paws saved his parents


Artemis had a severe ear infection and needed to visit both the regular vet and a specialist, multiple times. After medication and a few follow-up visits, she recovered well and is now doing great!

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
    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.

  2. 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.

  3. 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.

  4. 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
      Samantha 01/21/2018 at 1:26 am

      No but they increased my premium by about 150 dollars this year as opposed to last…if they keep increasing it like that, it will be totally not cost efficient.

    • 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!

  5. 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.

  6. 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!

  7. 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.

  8. 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.

  9. 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!

  10. 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.

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