Nationwide Pet Insurance

Nationwide Pet Insurance

 2.8/5 (1052 reviews)

Find Pet Insurance near you

Our promise. We provide a buying advantage with verified reviews and unbiased editorial research.

Overall Rating2.8 out of 5
See all 1,052 reviews

About Nationwide Pet Insurance

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

Nationwide Pet Insurance, previously known as Veterinary Pet Insurance, or VPI, provides coverage for dogs, cats and exotic animals. Exotic animal plans cover birds, reptiles, amphibians, rodents and goats. Pet owners can choose from four insurance plans, including basic coverage and full wellness coverage. Costs are reasonable, and the company offers discounts. Customers can get free quotes online for dog and cat insurance but need to call Nationwide for exotic pet insurance quotes.

    Pros & Cons


    • Multipet discounts
    • No maximum age limit
    • Covers exotic pets
    • Wellness coverage


    • No online quotes for exotic pets
    • Limited plans for older pets

    Bottom Line

    Nationwide Pet Insurance covers dogs, cats and exotic animals, offering basic plans and comprehensive wellness coverage. Nationwide offers coverage to pets of any age, though plans are limited for older animals.

    Top Nationwide Pet Insurance Reviews


    I adopted a kitten in June of 2017 and purchased the Whole Pet with Wellness plan for him. ... It turned out my cat was cryptorchid and had to undergo surgery. ... I spent almost ...

    Read full review
    profile pic of the author

    I have had Nationwide Pet Insurance for my two beagles for 8+ years. Nationwide reimbursed the majority of expenses associated with my Charlie’s splenectomy, cancer and associated...

    Read full review

    How does Nationwide Pet Insurance work?

    Nationwide acquired VPI Pet Insurance, also called VPI, in 2014. For pet owners whose pets need medical care, Nationwide Pet Insurance can help save thousands of dollars through reimbursement of veterinarian bills.

    Request a quote online through Nationwide’s secure site or by phone. To get started, provide your ZIP code and your pet’s name, age and breed. Nationwide Pet Insurance then provides a quote for review. There is a 14-day waiting period for coverage after making your first payment.

    Nationwide Pet Insurance plans

    Nationwide Pet Insurance offers four major plans for cats and dogs: Major Medical, Major Medical with Wellness, Whole Pet and Whole Pet with Wellness. Each plan includes nose-to-tail coverage, though conditions vary based on the plan type selected. All of these plans have a fixed deductible of $250.

    Major Medical
    The most economical of Nationwide’s pet insurance plans, Major Medical covers basic accidents and illnesses and allows pet owners to use any veterinarian or hospital they like. The annual deductible for this plan is fixed at $250, and annual benefits are predefined depending on the condition. The Major Medical plan is not always available to older pets.
    Major Medical with Wellness
    A step up from the Major Medical plan, Nationwide’s Major Medical with Wellness plan also includes wellness exams, vaccinations, bloodwork and illness prevention. As with the Major Medical plan, the annual deductible is $250, and annual benefit limits depend on the condition. This plan is not always available to older pets.
    Whole Pet
    An option for older pets, Nationwide’s Whole Pet plan includes all the benefits of the Major Medical plan but adds some dental, behavioral, prescription and holistic treatment coverage. The annual deductible is fixed at $250 with $10,000 total annual benefits.
    Whole Pet with Wellness
    Nationwide’s most comprehensive and most customizable policy, Whole Pet with Wellness has a wide range of coverage. While the annual deductible is set at $250 and annual benefits are unlimited, pet owners have the option to adjust their reimbursement level from 90% to 70% or 50%. A lower reimbursement percentage lowers the cost of this plan.

    Note that the above plans may not be available for exotic pets. Nationwide requires owners of birds, reptiles, rodents and other exotic pets to call a Nationwide Pet Insurance customer service representative to receive information about plans, coverage and costs.

    Nationwide Pet Insurance coverage

    Nationwide Pet Insurance covers accidents and illnesses and can also include preventive medicine, dental care, spaying, neutering and behavioral treatments. Nationwide’s most comprehensive plan, Whole Pet with Wellness, is the most expensive, but it also provides maximum benefits for pets of all types.

    Compare coverage of Nationwide’s pet insurance plans:

    Major MedicalMM + WellnessWhole PetWP + Wellness
    Accidents, illnesses, cancer
    24/7 vet helpline
    Wellness exams
    Vaccinations, blood work
    Flea, heartworm prevention
    Prescription food, supplements
    Behavioral treatment
    Spay or neuter
    Major Medical
    MM + Wellness
    Whole Pet
    MP + Wellness

    While each Nationwide Pet Insurance policy type has its advantages, many pet owners opt for the Major Medical with Wellness or Whole Pet with Wellness plan so their pets are fully covered.

    Currently, Nationwide Pet Insurance does not cover:

    • Preexisting conditions
    • Grooming, including nail trims and shampoos
    • Expenses not directly related to the veterinary bill, like credit card fees
    • Certain plan restrictions based on specific policy type

    Nationwide Pet Insurance defines preexisting conditions as injuries or illnesses that occurred before coverage started. This exclusion includes some hereditary conditions.

    At Nationwide Pet Insurance, dogs and cats won’t be dropped from coverage based on their age or the number of claims filed.

    How much does Nationwide Pet Insurance cost?

    Nationwide Pet Insurance quotes vary depending on the plan you choose, but Nationwide dog insurance costs between $35 and $60 per month for most breeds, while cat insurance costs between $13 and $46. For dogs and cats, customers get a free quote online, but if you’re looking into Nationwide’s exotic pet insurance, you need to call for a quote.

    Nationwide Pet Insurance's prices vary based on the breed and age of your pet. If you’re looking for a low-cost plan, consider choosing one with a variable reimbursement percentage. Unlike most pet insurance providers, Nationwide Pet Insurance offers reimbursement percentages as low as 50%, which lets customers pay more out of pocket for a vet bill but less in their monthly premiums.

    Discounts are available to policyholders who enroll two or more pets or those who are already members of Nationwide.

    Nationwide Pet Insurance FAQ

    Does Nationwide Pet Insurance cover spaying?

    Yes, the Whole Pet with Wellness plans offers coverage for spaying or neutering. The Whole Pet, Major Medical and the Major Medical with Wellness plans do not cover this service for any pet.

    Does Nationwide Pet Insurance cover emergency visits?

    Depending on the condition that needs treatment, some Nationwide Pet Insurance plans do cover emergency visits, which includes accidents and illnesses. Call a Nationwide customer service representative for more information.

    Does Nationwide Pet Insurance cover dental cleanings?

    The Whole Pet and Whole Pet with Wellness plans cover dental cleanings, but not all of Nationwide’s pet insurance plans do.

    Where can I find a Nationwide Pet Insurance claim form?

    To file a Nationwide Pet Insurance claim, policyholders visit the website or the VitusVet app. On the website, policyholders can download and complete the form and then return it and any paid invoices via email, fax or mail.

    Is Nationwide Pet Insurance good?

    Nationwide offers affordable pet insurance for dogs, cats and exotic animals. Although coverage is available for older animals, plans may be limited and premiums may be high. If you already have a policy with Nationwide or are looking to insure multiple pets, expect to receive discounts.

    Nationwide Pet Insurance Reviews

    • Recent
    • Oldest
    • Most helpful
    • Any

    A link has directed you to this review. Its location on this page may change next time you visit.

    How do I know I can trust these reviews about Nationwide Pet Insurance?
    • 4,246,788 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 10
    Verified Reviewer
    Original review: June 4, 2023

    I signed up for Nationwide Pet Insurance in May 20 20 to start in July. I was told at that time that due to my being covered by my employer’s provisions, that I would never have my rate increase due to my dogs' age. I was told even if I left the company I would still be grandfathered in. They have raise my rates this year for my dogs' ages. I have two dogs. They raise one dog by $100 a month and the other one by $55 a month. They think they can just do whatever they want because they’re a company and we’re just individuals. I even contacted the insurance commissioner of Washington state, but no action was taken by them. Insurance companies get away with highway robbery, but Nationwide is not on your side.

    Be the first one to find this review helpful
    Verified Reviewer
    Original review: May 26, 2023

    I have been a loyal Nationwide Pet Insurance customer for 4 years but twice they have taken my payment information with the intention of paying my annual premium, and then they have promptly not paid my premium. After my first experience where I paid over the phone and wasn't credited with paying (finding out months later that my policy wasn't in force), I moved to an annual autopay with my credit card. This worked fine for a few years, but recently, they claim I didn't pay and my policy lapsed again. They did not notify me of this lapse. Subsequent to this, thinking I had pet insurance, my dog had spinal surgery with over $11,000 of costs. It was when I submitted these expenses as claims that I found out that my policy had lapsed. Wow! 4 years of premiums for 2 dogs and now $11,000 of expenses that I have to pay. Fraud insurance company.

    Be the first one to find this review helpful

    Not sure how to choose?

    Get buying tips about Pet Insurance delivered to your inbox.

      By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

      Thank you, you have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

      Verified Reviewer
      Original review: May 25, 2023

      I have been insuring my dog for 12 years now. We have two plans for annual care plus the other one... Last 7 months they have declined all my claims for silly reasons... and jumped my monthly cost from 120 to 190!!! It is just not worth it. We ended up 2 months ago in urgent care as my dog had a growth on him back that had appeared overnight - that was also declined...Once I sat down and calculated if it benefited me to have it for my dog (13.5 years old now) and it doesn't. It was better to have the money in saving or CD! Just saying. Today I called and wanted to cancel the service and magically their service is down.

      Be the first one to find this review helpful
      Verified Reviewer
      Original review: April 24, 2023

      I've been a Nationwide Customer with my dog for 10+ years. He recently underwent testing for possible kidney disease. The diagnosis phase was thousands while they ruled out other diseases to narrow it to two. I submitted claims and was informed that both "chronic illnesses" that it could possibly be each had an annual cap at under $1K. I have the "Major Medical Plan". It's criminal to say that they cover "chronic illnesses" and then cap at $1K a year. FALSE ADVERTISING! Who can get more than a few vet appointments for that amount? I would have expected a "Major Medical Plan" (the 2nd best plan) to have better coverage.

      CHECK YOUR PLAN $ CAPS! Over the course of my dog's life I've paid close to $17K in premiums. I currently pay $132 a month (though I'll be cancelling). When it came to really needing insurance - isn't that what it's for? - they failed me spectacularly. Absolutely awful. I wish I could do more than write just a review here to WARN others. Put your money in a bank account for your pet or go with any other insurance. Truly criminal what they are doing to people. They must have crazy healthy profit margins. Meanwhile families are suffering having to choose between helping their pets out of pocket or other family expenses. Nationwide Pet Insurance is a racket. Use any other provider but them! DO NOT USE NATIONWIDE PET INSURANCE.

      Be the first one to find this review helpful
      Verified Reviewer
      Original review: March 17, 2023

      Be aware!!!! Stay away from Nationwide, do not work with Nationwide and if you do you will understand soon or later. I want to save others, they will never pay for the claims. Just save your self/money.

      2 people found this review helpful
      Customer increased Rating by 2 stars!
      Verified Reviewer
      Original review: Feb. 17, 2023

      I was so excited when I could finally get pet insurance for my boy! My mom get it through her job, and we thought this finally meant we could get our boy right while saving money! Well, only if he were to be hit by a car or got cancer. Wellness exam? Claim denied, teeth cleaning or removal? Denied. Shots? Denied. Unprescribed meds and vitamins? Denied. Looking at the several documents and disclaimers now it says that none of this will be covered. So you’d have to buy the wellness plan also if you want things they actually need covered.

      It would've been so cool if they told this to her before she started paying the 50 a month. I almost want to cancel it and get the money back for the past few months we’d been paying because we haven’t been able to use it at all for anything. But it’s a big corporation with a main focus on humans, so of course they don’t care about our animals. Get something else, preferably something that covers EVERYTHING. Oh yeah no pre existing conditions either. Guess he has to suffer with arthritis until he dies because we got the plan AFTER he was diagnosed. Do your research before giving them money they don’t deserve.

      Be the first one to find this review helpful
      Verified Reviewer
      Original review: Feb. 15, 2023

      Nationwide pet insurance is definitely not a good choice! They will insure your pet and advise you the cost of your premium is not based on your dog’s age. However, as soon as your dog gets older they double premium and say one factors is due to age. Also, they will randomly submit records requests from your vet even after insuring your pet for more than 5 years looking for ways to get out of paying your claims. Also, they don’t allow any mid-term changes on policy but never put this in writing at any time. They never have your pet best interest. They are for the dollar only. Stay away!

      4 people found this review helpful
      Verified Reviewer
      Original review: Feb. 15, 2023

      I have been "parent" to a sweet little rescue bearded dragon for over two years, and Nationwide Pet Insurance is the only policy around that insures exotics. This thrilled me to no end because that meant that I could continue to get the very best in preventative, wellness, and/or emergency care for my girl! Little did I know that they would deny all of my claims immediately, telling me that she has metabolic bone disease, scoliosis, and hypercalcaeum based on their interpretation of her test results. She does not and never has had these and it is clearly stated her doctor's (an excellent veterinarian who has specialized in reptiles and birds for decades and whom has seen my dragon for the past 2 years) records that her high calcium levels are due to reproductive activity.

      They then put a pre-existing condition of hypercalcaeum/mbd/scoliosis in my dragon's file and also denied coverage for her antibiotics, a fecal float, and several other tests that had nothing to do with their fictional diagnoses. Nationwide refused to budge when I argued against this and I was left frustrated, confused, and angry.

      I spoke to four different agents total, the first of whom was incredibly condescending, and decided to cancel my policy after speaking to the second agent. Agents three and four repeated back canned responses when I told them that I wanted a full refund. I was not kind to the fourth agent (but did not use any profanities) and for that I am sorry. It takes a lot for me to get to this point, but when it comes to the health and well being of the animals in my care I do not hold back. They refused the full refund, citing that I'd had claims processed. Save yourself the time, money, and effort. I should have read the reports here first and I would have done myself the same favor.

      3 people found this review helpful
      Verified Reviewer Verified Buyer
      Original review: Feb. 11, 2023

      Don't get this insurance for any reason. The policy documents are confusing and deceptive. If your pet ever had a condition of any kind, it will disqualify them from any coverage in the future because they'll say that every bill is related to that condition. I got Nationwide's pet insurance plan when my cat was showing signs of age, but had not been diagnosed yet with what caused him to pass. This offering was provided through my work with additional that include euthanasia and cremation as well as illness related services. When my cat was diagnosed with cancer, I put dozens of claims through, and they took so long to be processed that he passed within 2 months, and I put in the claim for euthanasia and cremation before any of the other were completed.

      Ultimately, nothing got reimbursed because his records showed he also had conditions from an emergency visit 9 years ago. The euthanasia and cremations weren't covered because of his age and being related to illness. The language in the policy didn't indicate this, but it used confusing language saying pet replacement is not covered for those things, and you're just supposed to know what pet replacement means without them defining it.

      5 people found this review helpful
      Verified Reviewer
      Original review: Feb. 3, 2023

      My Pet had a UTI recently that should have been covered by the insurance. Every claim that was submitted so far is rejected. We basically will be better of without insurance. That is not what I signed at the beginning of the contract. They are there to collect and not to pay. DO not get it. I would like to be contacted by one of their board of directors and provide some additional information.

      7 people found this review helpful

      Quick and easy. Get matched with a Pet Insurance partner.

        Loading more reviews...

        Nationwide Pet Insurance Company Information

        Company Name:
        Nationwide Pet Insurance
        Formerly Named:
        Veterinary Pet Insurance
        P.O. Box 2344
        Postal Code:
        United States