Nationwide | Pet Insurance Review

4.8

out of 5

Number of reviews 21,407

As the largest provider of pet health insurance in the U.S., Nationwide currently insures over 600,000 dogs, cats, birds and exotic pets for medical conditions related to illnesses, injuries accidents and wellness care. Learn more about Nationwide’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
1

out of 5

POSTED: | BY: Toki Endo

Disappointed

Have been a policy holder for 10 years. Since the takeover by Nationwide, VPI has gone downhill in satisfaction. The deductible used to be once a year and now its for every occurrence. Medications for treatments used to be 90% for all. Now it's $220 maximum. I would leave VPI but other insurers will not accept existing conditions. Nationwide has me by the pocketbook ans won't let go.
5

out of 5

POSTED: | BY: Kim Robinson

Working with Nationwide is wonderful

They are easier to work with than my health insurance and gives me peace of mind! I have been very happy.
5

out of 5

POSTED: | BY: Sarah Breyer

Great and wondrful company to work wih

This group is rally good about answering questions and letting me know what all I need to submit for claims.
1

out of 5

POSTED: | BY: T. Lyn

Their Exotic Pet Policy Needs A Major Review

Disclaimer: Please ignore the details listed about my pet. I don't have a mixed breed cat. This was just an option I chose so I could post about my experience since my pet option was not available. Also please disregard the claim amount and time. These were also required fields. The plan is absolutely awful. I have two ferrets, and my boyfriend and I were so happy to finally find a pet insurance that caters to exotic pets. We were greatly disappointed when the policy finally arrived. It didn't cover ANYTHING close to the normal costs of owning a pet. This policy was nothing, but a scam to take $114 to start the plan plus an extra $20 per month to continue the plan (the numbers are also per pet by the way) so they could only be protected from extreme circumstances like broken limbs from car accidents. Ferrets are not like dogs and cats, therefore they are not out and about like there fellow furry friends. They are not as highly active where they may in fact injure themselves to the point where they might actually break their own legs. This policy only covered rare, unlucky draw situations and it wasn't worth. My babies are 2 years and 6 months old so they have along time before any of their expected ferret diseases comes to haunt them, which of course, the policy does not cover. Bottom line: If you are a ferret owner, you are better off without this plan. It's not worth your time.
1

out of 5

POSTED: | BY: Jennifer

Worst company

We have had vpi for 18 years. My dog sophie, now deceased, was denied coverage for diagnostic testing of lymphoma. We were told it wasn't necessary. As a certified vet tech and claims adjuster for petplan, this was a large disappointment. A needle aspirate is the only way to diagnose lymphoma which was not a pretty existing condition. At petplan, if a condition is coverable, we cover diagnostics and treatment. This was sophie's first ever claim and we are being nit picked and denied the necessary $200 test reimbursement. They have made this whole experience a nightmare and have lost a customer... BTW customer service sounds like they have no idea what it means to deal with these situations

Monthly Cost

Policies start at approximately $12 per month.

Coverage

Nationwide offers a variety of plans offering varying levels of coverage. The company’s most popular plan, Whole Pet with Wellness, offers 90% reimbursement for accident, injury, illness and wellness care, inclusive of exam fees. All Nationwide members have complimentary 24/7 access to vethelpline.

Payout Limits

Depending on the plan selected, there may be annual benefit limits or per incident benefit allowances. There is no annual limit for the company’s most popular plan, Whole Pet with Wellness.

Deductible

Annual deductibles range from $0 to $1,000. Most popular annual deductible for Whole Pet with Wellness is $250.

Age Limits

No age restriction to enroll in company’s most popular plan, Whole Pet with Wellness. Other plans may have age restrictions.

Waiting Period

14-day waiting period after application approved and payment of premium is received.

Exclusions

Pre-existing conditions are not covered on any plans (if a condition is curable, it may be eligible for review if pet remains treatment-free for at least six months). Whole Pet with Wellness covers nearly all veterinary expenses. Notable exclusions include boarding and grooming.
Since 1982, Nationwide has helped pet owners protect what matters most. As the largest provider of pet health insurance in the U.S., Nationwide currently insures over 600,000 dogs, cats, birds and exotic pets for medical conditions related to illnesses, injuries accidents and wellness care. In 2015, it introduced Whole Pet with Wellness, the only U.S. pet health insurance plan offering complete coverage for injuries, accidents, illnesses and wellness care. Policies range from nose-to-tail coverage to routine pet care plans that offer reimbursement for wellness exams and preventive treatments.

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