Nationwide Pet Insurance

Nationwide Pet Insurance

 3.9/5 (476 ratings)
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About Nationwide Pet Insurance

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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.

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    Overall Satisfaction Rating

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    • 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

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    Rated with 5 stars

    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 ...

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    Rated with 4 stars

    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...

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    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.

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    How do I know I can trust these reviews about Nationwide Pet Insurance?
    How do I know I can trust these reviews about Nationwide Pet Insurance?
    • 4,007,392 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.

    For more information about reviews on please visit our FAQ.

    Page 1 Reviews 0 - 10
    Rated with 1 star
    Verified Reviewer
    Original review: Sept. 23, 2022

    I insured my dog with the “maximum protection plan” which looked like an incredible policy that covered everything a dog may run into. In retrospect I should have had a lawyer read the policy before signing up for it. My dog tore her ACL and I called nationwide pet insurance to get more details on how the process works and come to find out a cruciate ligament tear is not covered in the first 12 months of the plan (which is a little long but I understand why due to people getting a big vet bill and wanting to get insurance real quick to have them foot the bill) nonetheless I am most upset about how you sign up for a policy that said everything was covered up to medical conditions such as cancer, which then lulled me into a false sense of security. I felt safe knowing my dog would be okay in the event of injury or worse.

    The worst part is if I want to switch insurance companies my dog will be classified as having a “pre existing injury or condition” and no company will insure her. Insurance companies tell you what you want to hear at first and make you think that they actually care about your animal and understand that it is more than a pet it is a part of the family. Come to find out I could not have been more wrong. They do not care about the health or well being of your animal, they only want your money. If you get a new debit/credit card they will call you right away for that but when you actually need their service they don’t care nearly as much.

    Also come to find out they only cover up to $2700 for a cruciate ligament tear (if your claim even gets approved by them) which is below the average cost of a canine cruciate ligament procedure. My best advice to people out there reading this is do your research when insuring your pet, and make sure you know the fine details when signing up for a plan.

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    Rated with 1 star
    Verified Reviewer
    Original review: Sept. 21, 2022

    I have been paying premiums to Nationwide Pet Insurance for 12 years. I have been lucky not to have had any major illnesses for my dog. But now she's 13 and has developed liver disease. As the bills have been mounting I found out that my claims were denied because they only cover $360 a year for each disease claimed. Now, I'm paying $77/mo. and I'm only getting $360 back a year?? That does not make fiscal sense so I canceled my policy and I will just continue to pay as it is cheaper to pay for the illness than the premiums over a year's time. Read the fine print people!! This company is a SCAM! The whole point of insurance is to cover a major illness, especially in an older pet. But they don't tell you there is a cap on it. BEWARE, you have been warned!!!!

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      Rated with 1 star
      Verified Reviewer
      Original review: Sept. 14, 2022

      Canceled today to find a company that actually cares. Applied through my employer, provided all medical records for my dogs, confirmed no pre-existing conditions, and was told my policy would go into effect in 30 days. Well, my dog desperately needed a teeth cleaning so near the end of the 30 day period I paid for the pre-dental exam, that way once insurance kicked in I could take him in for the full cleaning immediately. Well, after insurance kicks in and I get his teeth cleaned I submit a claim for the full cleaning and they say because I got the pre-exam a few days before the activation date it qualifies as a pre-existing condition. The insurance wouldn't have covered the pre-exam anyway, that's why I paid for it and we confirmed he had no pre-existing conditions before that.

      Obviously, I would've waited another couple of days if this little loophole was made clear by the mountain of documents they sent me or by any single agent at all, but then they'd actually have to do their job and cover my pets. Absolutely ridiculous, I'm finding an insurance provider that will actually do what I pay them for and take care of my pets. Glad I found out they suck early so they didn't get much of my money.

      2 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: July 30, 2022

      They literally ruined my entire week with the endless calls pressing me in getting a more expensive insurance by claiming my cat has a pre existing condition on FeLV. For God sake can you please check the likelihood of a kitten to have a false positive test result on FeLV tests. She had re-tested twice after that false positive and both the follow up tests were negative. We even got her the FeLV vaccination already. Even with all the facts, they insist in claiming she has FeLV and intimidated me with this preexisting condition to get me renew my old policy with them. Worst experience ever with any insurance company. It was a total waste of my time that terribly affected my work energy these days.

      3 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: June 2, 2022

      I have been paying Nationwide for 10 years. They cancelled my dog's insurance policy without my knowledge and locked me out of my account so I am unable to retrieve any information. After calling customer service and speaking to multiple HORRIBLE women, they informed me they denied the claim for my dog's death because he was a brachycephalic breed however his death was due to aspiration pneumonia after anesthesia for dental surgery which had NOTHING to do with being a brachycephalic breed.

      My dog's regular veterinarian did a full exam just prior to surgery stating my dog respiratory function was completely NORMAL. I have been charged for 2 months insurance when they cancelled my dogs insurance. In addition, they will not cover the cremation of my dog which is supposed to be 100% covered. They basically stole my money and now I'm unable to pay my rent because I trusted them to do what I paid them to. PLEASE DO NOT EVER INSURE A PET WITH NATIONWIDE. THEY ARE THE ABSOLUTE WORST!!!

      4 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: April 20, 2022

      Our 10 month old puppy when we adopted her from a shelter back in 2015 unknowingly came to us with the kidneys of a 13 year old dog. We added her to our already in place for our cats Nationwide Pet Insurance account. We understood that she had a pre existing condition and most of her bills for 6-1/2 years were not paid. I was surprised when they didn’t pay for her euthanasia and cremation though since it’s not a disease it’s the end of the life of a happy full-of-love 10-lb dog.

      When I called them their excuse was that she died of her kidney disease so they won’t pay the bill. Yes, she died of her disease but at that moment when she took her last breath the reason was euthanasia/cremation and should NOT have anything to do with her lifelong disease. We will be looking to change our two cat’s insurance.

      7 people found this review helpful
      Rated with 1 star
      Verified Reviewer Verified Buyer
      Original review: March 10, 2022

      I found a kitten in my yard a few months ago and decided to keep her. She seemed perfectly healthy but we got Nationwide Pet Insurance right off the bat just in case she had any health problems down the road. At her first vet appointment, she was diagnosed with a heart murmur and sent for an Electrocardiogram (EKG) to determine the extent of the issue. I called Nationwide before the procedure and was told that while they cannot pre-approve procedures they thought the EKG would be covered. Fast forward 3 months later and I received the final determination from Nationwide that they will NOT cover the EKG because the heart murmur is a pre-existing condition.

      The company advised that because I did not buy the policy before she was born, the heart murmur falls under their pre-existing condition clause. I explained that the issue was found on her first vet visit when she was at best a few months old but they said that they will never cover any health issue that started before the policy and because she was born with this, we would have had to buy the policy before she was born, let alone before she was found.

      Nationwide's refusal to pre-authorize procedures and testing before they are completed leaves customers vulnerable to incurring large vet bills that they cannot pay. I cannot see any value in continuing to pay them monthly premiums knowing that they will likely find some awful policy loophole to get out of paying future claims.

      6 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Feb. 22, 2022

      My Scottie terrier died on January 19, 2022 due from cancer and being euthanized. Many tests were done for making this decision (Garrison Animal Care Clinic & Wheat Ridge Animal Hospital). Now FedEx can't use Nationwide's street address to deliver my paperwork. Nationwide will only accept PO Box address for delivery. They will not accept my paperwork going to 1800 E Imperial Hwy STE 145, Brea, CA 92821-6002. Therefore my returned paperwork at a cost of over $25 from FEDEX will be resent by me from USPS. Nationwide's website is difficult to use when you have over 25+ pages to submit. Please note neither UPS or FedEX delivers to PO Box addresses.

      3 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Jan. 6, 2022

      I've had my share of a couple issues with getting things reimbursed, but in the end the exotic plan has always been worth it. Now they got rid of that plan and switched us to something else for the renewal, and the premium skyrocketed 220%, from $80-something to over $200, with a much higher deductible. It's not often a hedgehog goes to the vet so the per-incident deductible actually made a lot more sense than a yearly one. Super upset that the one insurer out there for exotics has discontinued that plan.

      6 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Jan. 5, 2022

      We submitted a claim for our greyhound's dental, which was November 2021. They asked for all of his medical records going back to July 2020. I sent them everything I had which went back to May 2020. In May 2020, he had a dental and it was noted that he had mild gingivitis. He had another dental in December 2020, however there were no notes about ANY disease. In fact, the animal dentist told me how surprised they were at how clean his teeth were. Due to that ONE NOTE before July, he was determined to have a "pre-existing condition" so our claim for November was denied. Per the letter: "dental tartar or periodontitis" is considered a pre-existing condition. I am not sure how TARTAR is pre-existing when everyone, humans and dogs (and probably cats), gets tartar. I would never recommend Nationwide Pet Insurance to anyone.

      10 people found this review helpful

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        Nationwide Pet Insurance Company Information

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