Nationwide - VPI Pet Insurance Reviews, Costs & Coverage

Nationwide Pet Insurance


How many insurance companies can say that their first policy was purchased by a celebrity? We’re willing to bet not many, but Nationwide can definitely claim that as they sold their first ever policy to TV star Lassie. Since then, Nationwide has sold over a million policies in the last three decades. After starting as VPI, Veterinary Pet Insurance, they made the official move to the Nationwide family a few years ago and have been insuring pets across the country at the advice of actual veterinarians and direct-care veterinary providers. Also, when you sign up with Nationwide, they do a great job of explicitly outlining what specific illnesses are and are not covered, which can be really helpful for pet owners whose dog or cat has chronic problems or the breed is prone to specific issues.

What They Cover

Nationwide recently introduced the most comprehensive pet insurance plan in the world, the Whole Pet With Wellness plan, which will protect your pet with accident and illness coverage, hereditary condition coverage with no waiting period, zero age restrictions, and chronic conditions at no extra cost. There’s unlimited coverage on this policy, meaning that if your pet is unlucky enough to get cancer for example, and 47% of pets do, then he will be fully covered with no questions asked. There’s a fixed $250 annual deductible (the first amount of the claim you pay) and 90% reimbursement (you pay 10%). This plan even gives you up to $500 of Wellness Coverage included, which is great if your pet needs to get their teeth cleaned, takes flea and tick meds or if you’re looking to get your pet spayed/neutered. As an added bonus, you can use any vet in the world with this plan, so if you plan on taking your pet away and he gets sick then no problem, he’s protected.

What They Don’t Cover

As with any pet insurance company, there are a few things that Nationwide doesn’t cover, namely:

  • Pre-existing conditions
  • Grooming
  • Behavioral training
  • Foods or dietary/nutritional supplements
  • Boarding/storage/transportation
Plan Coverage Options

The Whole Pet With Wellness plan is very simple; there’s a per year deductible of $250 and a 90% reimbursement rate for claims. They also have unlimited policy limits and unlimited lifetime limits. Nationwide also has a decently short waiting period of just 14 days after sign up for pretty much every condition, including hip dysplasia and knee conditions (other plans are typically 6-12 months for this coverage). Below is further info on just what your pet will get with the Whole Pet With Wellness Plan from Nationwide:

  • $250
  • 90%
Policy Limits
  • Unlimited
Policy Coverages
Deductible Type Per Year
Deductible Options $250
Reimbursement Options 90%
Policy Limit Options Unlimited
Lifetime limits Unlimited
Wellness Cover Cost Included (up to $500)
Accidents & Illnesses
Vet Exam Fees
Rx Medications
Emergency Visits
Cancer Treatments
Outpatient Care
Alternative Therapies
Waiting Periods
Policy Coverage Starts 14 days after sign up
Accidents At coverage start date
Illnesses At coverage start date
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How much will I get back from Nationwide?

As mentioned, Nationwide has great choices of options for coverage, and here are 3 examples of how much you’ll get back for a covered condition:


Example 1

Your feline friend hasn’t seemed as hungry as normal, he’s lethargic, and starting to vomit. An assessment at the vet confirms he contracted a stomach parasite, and he needs a stomach pump for $1,400 and then some antibiotics for $650. The total bill comes to $2,050, but with a $250 deductible and a 90% reimbursement from Nationwide you can expect to get back $1,595.

$1,595 Total Back

Example 2

Your dog suffers a ligament tear after a hike with you, and the vet determines surgery will be needed to fix it. The surgery alone will cost $6,700 and then the pain medicine following will be another $900. This total bill would come to $7,600, but after your $250 deductible, and with a 90% reimbursement from Nationwide, you will get $6,590 back.

$6,590 Total Back

Example 3

Your beloved German Shepherd develops severe hip dysplasia as you anticipated. Thankfully, you planned ahead and purchased the Whole Pet Plan With Wellness so the treatment is covered. The cost to treat your pup and make him comfortable again would come to $7,067. With a 90% deductible, though, you can expect to get back $6,360 less your $250 annual deductible for a total back of $6,110.

Remember, an annual deductible is far more cost effective than a per incident deductible if you need to visit the vet more than once. With an annual deductible, you pay one deductible per year versus a per incident deductible which charges you every time.

$6,110 Total Back
How much does Nationwide insurance cost?

Well as you may imagine, the cost of pet insurance depends on a few key variables: the breed of your pet, their age, and where you live. After that, it’s down to you how much coverage you want, how big (or small) a deductible you want to pay and how much of a reimbursement (the amount you get back after the deductible is paid) you select.

To see all of Nationwide’s plan options, click here to compare pet insurance plans, but here are a couple of examples:

Breed: French Bulldog
Age: 4 years
Zip code: 80424
Unlimited coverage
$250 Deductible
90% Reimbursement
Plan Cost $57.82 Per Month
Plan Cost $57.82 Per Month
Breed: Australian Shephard
Age: 2 Years
Zip code: 90292
Unlimited coverage
$250 Deductible
90% Reimbursement
Plan Cost $51.44 per month
Plan Cost $51.44 Per Month

What do pet owners say about Nationwide?

Very Good
5 star
76% Complete (success)
4 star
16% Complete (success)
3 star
5% Complete (success)
2 star
5% Complete (success)
1 star
0% Complete (success)

In terms of reviews, customers are really pleased with the low prices offered by Nationwide, as well as the level of customer service you receive. With an average rating of 4.7/5, see the reviews of real customers below.

Overall good policy, but they tried to fight reimbursement at first

Had to take our dog Linus to the vet for issues with not eating. After bloodwork and test it was determined he had the beginning of liver disease. It was ata point of being manageable thankfully but the tests and meds had cost us a lot by this point. We turnd in our claim and at forst they were trying to say it was a pre existing condition. We ended up having our vet write a letter stating the specifics at that it wasn;t pre existing. This helped a lot and they ended up reimbursing us and apologizing for the hassle. It was nice they recognized the issue, but would have been better had it not happened. Still, though, they came through in the end and glad we have the policy.

Arizona, Labridoodle
Love my coverage with Nationwide!

I’m so thankful our friends told us about pet insurance. We had a cat when my kids were younger and he developed lots of health problems toward the end which cost us a lot and that’s not how you want to spend the last few days/weeks of your pet’s life-worrying about covering health costs. When we got our new puppy, I decided to research different pet policies and I came across Nationwide’s different policies. We signed up for a policy that covers almost 100% of costs after the deductible which is really great. So far the service has been great after turning in a claim for heartworm medicine. They are fast and help us to know our costs will never be too much to handle.

Texas, Chocolate lab
Very fast Reimbusrement

Would recommend Nationwide to anyone with a pet. Good service and quick payback.

Oregon, Rottweiler
Love my Nationwide policy.

The policy has come in handy so many times and has already proven its worth a couple time over.

South Dakota, Chihuahua
Slow reimbursement period.

We turned ina claim for my fiance’s dog after it developed a kidney infection. It took a few vet visits and tests and rounds of meds to get it under control so the bill was really high, close to $1100 that we had to pay and then wait to be reimbursed by Nationwide, they had approved the claim but it took over a month to get our check! Tht was a disspointment.

Montana, Goldendoodle
See how Nationwide Pet Insurance compares
Bonus Points

Nationwide has been providing quality pet insurance at reasonable prices for more than three decades. In addition to insuring dogs and cats, they also offer insurance for exotic pets such as birds. Not many companies can tout that same statistic. Their experience with creating policies for all types of pet owners and needs is extremely beneficial in helping you to get peace of mind. If you’re looking for the Rolls-Royce of pet insurance policies then the Whole Pet With ellness plan is it. It’s not going to be the cheapest coverage but it will include more for your money than any other policy available.