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.
4

out of 5

POSTED: | BY: DeeDee

Satisfied Customer

Have had my policy for 8 years now and they have paid and not paid. Most disappointed in the large claim they did not pay for a kidney removal on my dog at the age of three. They called it a Congenital Defect even though she showed no signs of a kidney problem and we only found it while trying to determine back pain. We fought and fought the claim to no avail. They wouldn't budge on their decision.
1

out of 5

POSTED: | BY: JSF

Never again!

I signed up for this in the event of catastrophic illness for my Golden Retriever. I paid (escalating) premiums for 2 years in spite of no claims. When my veterinarian's office began routinely submitting all visits, I was shocked to learn that taking Dasuquin as a joint supplement made the dog ineligible for any services relating to joints or joint injury. Fortunately we did not have a problem with his leg. Unfortunately we learned that we wasted 2 years premiums because their plan is to disallow. This was a wake-up call, I cancelled and regret signing up in the first place. They should refund my premiums based on their claims of coverage which I actually didn't have, according to their rules.
5

out of 5

POSTED: | BY: vicki

The best

This company is the best. Took it out because my company offered it. Kept it after I retired. I liked them mainly because I have birds. They got even better when I took in a rescue kitty. I have whole pet with wellness and they did cover all 90% and that was even with a spay and flea meds. Have paid for surgery, grooming, and meds for birds. Even paid cremation cost. Couldn't keep pets healthy without Nationwide. Thanks
1

out of 5

POSTED: | BY: Justine Ungaro

Nationwide ruined VPI

We've had VPI insurance on both of our dogs for many years now. Up until later 2015 I was pretty happy with it. Our older dog has a heart condition and is on a significant amount of medications and has to see a cardiologist several times a year. The claims were submitted and overall I felt that we were being reimbursed fairly. After the switch the Narionwide, that has all changed. Suddenly we have now reached our annual maximum as of March?? The worst part is that when I received the paperwork in the mail with the new schedule and announcement of the name change, I called to ask if I still had the same amount of coverage as before. The rep assured me that my policy had not changed and if anything our coverage would be better than before. That was a blatant lie. Nationwide has gotten greedy and has absolutely ruined VPI. I'm going to cancel our policies immediately and plan to contact all of the VCA clinics to inform them of these horrible business practices. It was a VCA that initially gave us the brochure for VPI and they need to know that their patients are being screwed by this company. If you ask me there is a class action lawsuit coming their way. If anyone here is on Twitter, be sure to complain about @nationwidepet publicly. Social media is the best way to ruin the reputation of a big company these days & it's the only way they will listen. Can I give zero stars? That is what they deserve.
5

out of 5

POSTED: | BY: GML

Excellent overall experience

I have had nothing but an excellent experience with VPI from the ease of enrollment, very competitive rates, user friendly online website, simple claim submittal, rapid reimbursement and excellent customer service. VPI is truly the best insurance company I have ever worked with.

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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