Nationwide | Pet Insurance Review

I've had VPI for a little over a year and it's been great. My dog has had a few incidents that were well over $500. I've gotten over a thousand dollars back in reimbursements from the insurance. Definitely worth the $25/month I spend!

My tiny 4lb Chihuahua had a bad infection caused by bad teeth. I adopted her when she was 4. She is 8 now. I took her to the dentist and he discovered that one of the K9s had to be extracted because it caused the infection. It also affected several other teeth and they had to be extracted as well. Plus cleaning of the remaining teeth. The bill came up to $980 and Nationwide only covered half of it. It helped but I hoped for more. After that claim was closed I asked how much they would cover for knee surgery on both rear legs. My dog developed luxating patellas as she got older. In order to get this procedure done before she gets to old or the patellas get worth, she needs this surgery. It is not a pre-existing issue, it developed within the last 8 month. When I asked I was told that they do not cover this kind of surgery since it is a common problem with Chihuahuas. So .... why am I paying insurance every month??? I am thinking of canceling my policy.

I have beeen with VPI for more than 12 years and have seen the service fragmented and go steeply downhill since it became NATIONWIDE. I pay through payroll deduction and have seen major overcharging for example..my total bill is $687.32 and to date this year(with at least 3 more payments to go) I have been charged $744.53!!!!!!! I have contacted them and received many promises but NOTHING IS BEING DONE,I am still being overcharged.

My (previous) dog for whom I had VPI for 10 years passed on at age 11 1/2 in 2015. Now I've just adopted a new dog, and from my experience, I would never ever consider VPI again. They paid out a low percent of eligible bills, and rejected many valid and necessary vet treatments. Finally, at the end, they paid zero on the euthanasia and cremation of my dear girl. Their problem (aside from greed) is the system of numerically categorizing procedures in ways that aren't realistic according to what is done by the vets and needed by the animals. Even some VPI service people advised me to "change the number" in order to get some reimbursement when it had been rejected. With all the alternative companies now, I don't know why anyone uses VPI. I also don't understand how some people say they were able to receive high percent reimbursements.

This is something they do not tell you when you buy pet INS. Z114 - This expense is denied because the diagnosis, medical management or surgical correction of a listed ineligible condition that occurs during the FIRST 12 calendar months of the policy is excluded from coverage.