Nationwide Pet Insurance Reviews

I have had this insurance since I got Bruno 9 years ago. What I love about it is the simplicity of the plan and the culture of the company. Regardless of the vet bill size, the claims are approved within 2-5 days and reimbursement is directly deposited into my account. They send sweetest emails to wish your pet all the best and thank you for good care. Since I have this insurance, I have no financial worries about taking Bruno to the vet. Only because of that, we were able to diagnose a heart disease early and start him on medication before it became a problem. Bruno is a happy and healthy dog living his best life, bringing lots of love to his parents. I can’t be happier about my experience. I have whole pet with wellness plan.

Reimbursement was paid within 2 business days! It's been a seamless process with Nationwide!

My dog has been insured with Nationwide since a puppy, she is now 10 years old. Coverage has been a financial safety net allowing treatment and care for my best friend. Nationwide has been extremely responsive. Customer Support is knowledgeable, caring and helpful. Claims are paid within days.

We have had this insurance for four years and recently submitted our first two claims ever with some trepidation, given damning stories we had read about pet insurers. We were delighted to get quick and fair reimbursement without any hassle. With vet costs skyrocketing, we were really glad to have some protection.

I have used Nationwide Pet Insurance for over 20 years. The claims process is easy to follow and reimbursement is quick. Communication throughout the process is excellent.

Nationwide doubled premiums once my dog turned 10, even though he is in good health. Nationwide capped reimbursement and increased premiums once my dog had a chronic health issue. Do not give Nationwide your business! Your pet and your bank account will suffer!

In one year, they raised my rates over 60%. They also told me that they can do it again and again, and I can alter my coverage until I get nothing and they still get premiums.

Signed up for Nationwide Pet Insurance through my work benefits to take care of medical expenses related to my aging cat Simba who is now 15. First claim I’ve submitted for $763 for preventative check up, vaccinations, prescription and xray scans to check a mass in his lung was denied. Reason for denial they do not cover preventative care and have deem the other treatments to a pre-existing condition. Waste of time and money.

I had Nationwide Pet Insurance for 13 years. As my dog aged they kept me on antiquated plan that offered little to no support. The premium went up exponentially and what they covered was extremely low. Their customer service, if you can get ahold of them, lacks empathy and is unhelpful. I regret recommending them to friends and family to see how horrible they have been in a time when I needed them. I canceled the policy and would encourage you to look elsewhere. There are many pet insurances out there, they are not going to be there if you are lucky enough to have a senior dog.

Always quick reimbursement. The insurance is a bit expensive, from service is top-notch.

Awesome service from Nationwide. They have a quick turnaround to pay you back.

I have been with Nationwide Pet Insurance for years. I submit claims online and reimbursement takes only a few days. The money goes directly to my checking account.

Nationwide is the worst. They yearly cap every single illness, injury or service and they must use a 1980 reimbursement table. My dog had dangerously high liver values and had to be hospitalized for 2 days. My bill was $8000 and after much fighting, they paid $2000. After 9 years of 2 dogs premium payments and their claim that they provide “peace of mind in case of hospitalization” I was expecting the payment to be the other way around. Get a plan that pays a percentage like 80% 70% so at least you can plan and budget.

We are VERY UNSATISFIED with Nationwide Pet Insurance. We had been paying the premiums for over 6 years with no claims, then our son was in a very bad accident and in the hospital for months - a very stressful time, and when I also had my credit card stolen during that time, I didn't move over the auto premium payments in time and weren't home to see the mails about the issue.

I've been a customer for about 5 years now and have to say the process is easy to submit a claim and the turnaround for reimbursement is very quick.

People beware. Do not get this insurance. I have paid thousands of dollars over the years and I just submitted a claim for my dog surgery $5,000 and they paid $900. Every time I go to submit a claim they have a reason for why it's not covered. Don't do it. There is scam. If I could sue them I would.

Fast easy online direct deposit and done. Thank you.

I’m not gonna say that it’s a cheap insurance because it’s not but it’s worth every penny because I have confidence. If my dog is sick I’m not gonna have extra extraordinary expenses. The insurance will cover it. I have a very healthy dog, but she had a couple of traumas and couple of symptoms that needed to be addressed, and the insurance was always there for me covering and helping me with payments. I highly recommend the insurance and I hope that we can continue utilizing it as needed.

As always when I have a question and call Nationwide Pet they always answer my questions. Extremely personable and eager to help.

Always easy to submit a claim and fast response to when claim is submitted and fast reimbursement!

I have been a policyholder for at least 20 years and have never had anything less than stellar service from Nationwide (formerly VPI). They are upfront and clear about the terms of reimbursement and the types of policies they offer. I have always had all my questions answered promptly and clearly. Claims are processed quickly and efficiently.

The claims process is easy to follow and understand. The app makes the claim filing process easy, and every claim is managed expeditiously and if I have questions I can call. I have never had any issues with the coverage provided for my pet using Nationwide.

I am extremely satisfied with your new quick claim turnaround time. You have streamlined the amount of waiting time to 2-3 days which is amazing. Thank you for always creating ways to service your customers!

This is the worst insurance. It’s not even insurance. It’s just a scam. Through my employer. I paid about $500 a year. They have multiple classes of deductibles that they sort your claim into so that you will never reach the deductible, and therefore never be reimbursed. If anything emerges that your pet has, they can also just go ahead and consider it a pre-existing condition, retroactively, rewrite your policy, and then not pay out for that either.

I was so thrilled to receive payment so quickly after putting in my claim for my cat. The claim was so easy to do and made it easier on taking care of my sick animal. Thank you so much.

Nationwide continues to provide incredible customer service and pet insurance coverage at a reasonable rate. They helped us out numerous times with coverage questions, reimbursement inquiries and general inquiries. They process claims super quickly and their representatives are extremely knowledgeable and courteous. Highly recommended.

I am very satisfied with Nationwide and how quickly they process claims and send payments. I submitted my claim on a Tuesday night and the payments were received on Thursday morning. A few clicks later and they were on the way to my bank. That’s what I call great service!

The claim submission, review and reimbursement process is exceptionally smooth and prompt when using direct deposit. Our dog requires two different prescription foods and once we uploaded the vet's scripts, the food was approved without delay each subsequent order. The only flaw with this insurance is that the "Whole Pet with Wellness" monthly cost is very high.

I love Nationwide. My almost 7 year old has been with Nationwide for all this time and has been a great boon to my ever pup Kimba! It feels great to know you have Nationwide on your side literally! Carol

I am not happy with it at all. I have not received one penny from them because of the extent of information they want from all sources long before I applied. They will not call vets directly to get soap notes and I have difficulty getting them on my own. I will be cancelling as soon as my new insurance kicks in.

We secured whole pet/whole life + wellness insurance for our dog when he was a puppy, and the coverage was pretty comprehensive and extremely useful until the end of this past year, with reimbursements being quickly mailed to us. My dog is now almost 11, and we recently filed a claim via the website/app, as always. We then received a mailing saying that this policy was “no longer active,” with no explanatory details.

I have had this insurance for 10 years, since my cats were young. It was good insurance, until it wasn't. I planned to keep this insurance for the lifetime of my cats. Then, Nationwide decided they didn't want to operate in Florida anymore because it's too expensive for this huge corporation. Now I have to find replacement insurance with another company for two senior cats with conditions that developed during Nationwide's coverage that *would* have been covered if Nationwide didn't pull out of Florida, but now won't be covered by my next plan as "preexisting conditions", just when I needed the insurance the most. Beware, do not sign up for this insurance because they just might decide your state is too expensive next and your pet's most important conditions won't be covered. Adding insult to injury, they denied my final claims.

Nationwide dropped my dog after 11 years. They did not give me the option of picking another plan. My dog has a heart murmur, skin allergies, gets ear infections and had bladder stones. She will not be able to get another plan with another carrier because she has all of these preexisting conditions. I would not recommend anyone get this pet insurance.

It's very easy to submit a claim. A few clicks and it's done. The review is quick too. You get an email letting you know it's been processed. The check comes in the mail in no time too. No complaints here. Just log on to your account. File a claim by following the steps. Very simple to do.

I have had Nationwide Pet Insurance for all of my pets since 2017. They process claims quickly, whenever the need to use it arises and settle claims promptly. The staff, should I ever need to call, is always kind and professional. I sometimes joke that I got my pets better insurance than mine. I cannot recommend Nationwide pet insurance enough.

First of all, I need to apologize to Nationwide! I have been their customer since my furbaby was a puppy. Going to be ten next month (January 2026). While I have referred MANY people to them on social media on pet pages, people asking for insurance advice; I have never taken the time to leave a review on their website. My apologies! Nationwide has been extremely good with me. They are very easy to deal with. After an appointment, I scan the bill, upload to my account, fill in basic information and with 2 days, I receive 90 percent of the payment in my bank account!

As always you review my claims and boom, my payment is there. MacKenna has had skin issues this year, seeing a dermatologist, having skin test, now on her own therapy. She also had ACL surgery in October and is on the mend. Thank you!

Updated on 12/22/2025: They are dropping us. Now we can't get another company to insure our dog because he has a pre existing condition and he is 9 years old. I have been trying to reach a supervisor and nobody will call me back. I can't reach anyone. They told me that they are no longer carrying our insurance in our area. My mom lives down the street and they are still covering her dog. Nationwide just doesn't want to cover my dog because he is costing them money.

Always a quick process from start to finish with claims. Great company to work with!!! Highly recommended. I can count on Nationwide to have my pets covered when an emergency comes up and for routine visits.

I appreciate Nationwide, I have them for my pets dog and cat, thank God for them that I am able to keep both pets in good health as the rising costs of vet care can be expensive. Never a problem with them.