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Nationwide Pet Insurance

Overall Rating ★★★★★
Customer Satisfaction 95%
Total Reviews 5,740
Major Medical Coverage Yes
Wellness Coverage Yes

Related Content: Best Pet Insurance

Everything You Need to Know About Nationwide, Formerly Veterinary Pet Insurance (VPI) Plans

When you sign up with Nationwide pet insurance, you are not only getting one of the top insurance providers in the country, but you are also getting a level of expertise that comes from being the largest company of its kind. Formerly known as Veterinary Pet Insurance, Nationwide pet insurance was started in 1980 by veterinarian Jack Stephens with the goal of helping people avoid what he referred to as economic euthanasia due to the expensive nature of pet care. Courtesy of his efforts, families across the nation now have the opportunity to purchase valuable insurance that helps make potentially life-saving pet health care affordable to those who would otherwise be unable to afford it. Today, Dr. Stephens is widely considered the father of pet insurance in the United States, and his company that started it all ranks high in customer satisfaction and overall ratings at

Nationwide pet insurance offers pet owners more options than many of its competitors. While dogs and cats are common household pets, they aren't the only animals that people bring into their homes. Owners of birds such as parrots and exotic pets that include lizards, rabbits, turtles, and even potbellied pigs may also benefit from pet insurance. Nationwide is the only company to provide insurance to cover most birds and an assortment of exotic pets with a plan that provides accident and illness coverage plus examinations and more. In addition, Nationwide is also the only insurer to offer a complete coverage plan for cats and dogs that includes both wellness and major medical. See for yourself how Nationwide plans and prices compare to other pet insurance companies by filling out our simple quote form.

Did You Know?

In 1982, Veterinary Pet Insurance (VPI) sold the first insurance policy in the country to the famous Hollywood canine Lassie. In that same year, interest in pet insurance rose, and the company went on to sell plans to people in the state of California. This popularity quickly spread, and by 1985, people across the country were able to buy VPI pet insurance coverage as the company became the first provider to offer pet insurance across the nation.

It wasn't until 2008 that VPI became a member of the Nationwide insurance family. Despite its new affiliation, the brand held onto its name until 2015, when the corporation consolidated all of its companies, including Veterinary Pet Insurance. Nationwide became the official brand name for VPI, providing its customers with all of the benefits associated with such a well-known and trusted name in the insurance industry. As a pet health insurance company, Nationwide continues to maintain all of the values and qualities that pet owners have come to trust since the first policies were sold in the early 1980s. With Nationwide, you have the freedom to visit any veterinarian anywhere in the world who is a licensed provider. Nationwide is also part of a membership with MetLife, allowing it to provide pet insurance as an option for the company's policyholders.

Overall Rating

Overall Rating: ★★★★★

Nationwide has been in the pet insurance business longer than any other company with over 30 years of experience. Our scoring reflects Nationwide's new policy, Whole Pet with Wellness, which provides the most comprehensive coverage for accidents, illnesses and routine care without the need to add riders or other confusing options.

Learn More: Pet Insurance Scores

Category #1 - Coverage

Category Rating: ★★★★★

If you're looking for excellent accident, illness and wellness coverage all in one, simple comprehensive plan, then Nationwide is your best bet. Here is a list of attributes and ratings for Nationwide's coverage.

Emergency Care ★★★★★
Accidents ★★★★★
Illnesses ★★★★★
Surgery ★★★★★
Diagnostics ★★★★★
Hereditary Disorders ★★★★★
Congenital Conditions ★★★★★
Cancer ★★★★★
Orthopedic Coverage ★★★★★
Payout Limits ★★★★★
Exclusions ★★★★★
Chronic Conditions ★★★★★
Prescription Meds ★★★★★
Dental Coverage ★★★★★
Routine Care ★★★★★
Alternative Therapies ★★★★★

Note: No company covers pre-existing conditions

Four Coverage Options

Nationwide Pet Insurance has four different levels of coverage for dog and cat owners to choose from: Whole Pet with Wellness, Major Medical, Wellness Basic and Wellness Plus. We recommend the Whole Pet with Wellness Plan because it offers the most comprehensive coverage with the least coverage restrictions.

Accident and Illness Coverage

We recommend the Whole Pet Plan because it offers 90% reimbursement of your actual vet bills with no limits.

Plan Whole Pet w/ Wellness
Major Medical
Reimbursement 90% on all vet bills Set benefit amounts
Annual limit Unlimited Benefit schedule
Annual deductible $250 $250
Accidents & illnesses Y Y
Hereditary & congenital Y Y
Cancer Y Y
Use any licensed vet Y Y
Specialty and Emergency Y Y
Dental diseases Y X
Eye, musculoskeletal & blood disorders Y X
Rx therapeutic diets & supplements Y X
Alternative & holistic treatments Y X
Wellness Y X

✓ = Included   X = Excluded

If you enroll in Nationwide's Whole Pet with Wellness Plan you get complimentary 27/7 access to vethelpline.

Wellness Coverage Overview

Nationwide Pet Insurance has a two wellness plans available for dogs and cats. The Wellness Plus plan offers more routine care coverage and higher rates than the Wellness Basic product. Below is a list of coverage and annual limits.

Plan Basic Plus
Maximum Annual Benefit $400 $500
Two exams per term $25 per exam $30 per exam
Behavioral exam and/or treatment $30 $30
Vaccination or titer $50 $75
Heartworm or FeLV/FIV test $30 $35
Fecal Test $15 $25
Deworming $25 $25
Nail trim $20 $20
Microchip $40 $40
Health certificate $40 $40
Flea control or heartworm prevention $50 $75
One additional test: $50 $75
   (1) Health screen (blood test) " "
   (2) Radiograph (X-rays) or " "
   (3) Electrocardiogram (EKG) " "

Learn More: Compare Pet Wellness Plans

Coverage Details

Here is a quick overview of policy details to give you an idea of what to expect when building your custom Nationwide quote.

Deductible Type Annual
Deductible Options $250
Reimbursement Options 90% *
Hereditary Disorders No restrictions
Minimum Age for Coverage 6 weeks
Maximum Age for Coverage 10 years
Waiting Period Injuries 14 days
Waiting Period Illnesses 14 days
Orthopedic Waiting Period 14 days
Wellness Waiting Period 14 days w/ Whole Pet with Wellness Plan, 24 hrs. with stand-alone Wellness Plan
Policy Exclusions Listed Below

 Enrollment requirements - Physical exam must have been completed within 12 months prior to enrollment

Category #2 - Cost

Category Rating: ★★★★★

Nationwide is very competitive but slightly more expensive than other companies in the market.

Base Premium ★★★★★
Fees ★★★★
Annual Increases ★★★★
Deductible ★★★★★
Reimbursement ★★★★★
Nationwide charges $20 per year if you pay monthly but if you opt to pay for coverage up front they waive the $20 processing fee.

Accident and Illness Costs

Here is a sample of dog insurance costs of Nationwide's Whole Pet with Wellness, which is our recommended plan.

Top 10 Dog Breeds Cost *
Mixed Breed Dog $56/mo.
Labrador Retriever $68/mo.
Yorkshire Terrier $62/mo.
Golden Retriever $72/mo.
Dachshund $80/mo.
Chihuahua $76/mo.
German Shepherd $78/mo.
Shih Tzu $64/mo.
Boxer $88/mo.
English Bulldog $84/mo.
Average for All Dogs $64/mo.

* Accident & illness coverage for a 3 year-old

And if you're more of a cat person here is a sample of cat insurance costs for the top 10 most popular cat breeds in America.

Top 10 Cat Breeds Cost *
Mixed Breed Cat $33/mo.
Domestic Shorthair $36/mo.
American Shorthair $36/mo.
Siamese $39/mo.
Maine Coon $42/mo.
Persian $44/mo.
Ragdoll $35/mo.
Bengal $38/mo.
Russian Blue $44/mo.
Himalayan $42/mo.
Average for All Cats $33/mo.

* Accident & illness coverage for a 3 year-old

Wellness Care Costs

Here are the costs to add wellness care coverage to your accident and illness plan.

Wellness Plan Cost
Basic $12 to $18/mo.
Plus $17 to $22/mo.
See How Much Pet Insurance Will Cost You

Category #3 - Customer Satisfaction

Category Rating: ★★★★

Customer Satisfaction: 95%

Total Reviews: 5,740

Nationwide is one of the most trusted companies, which is illustrated by a customer satisfaction rating of 95%. Here is a summary of Nationwide's customer satisfaction ratings.

Customer Reviews ★★★★
Expert Reviews ★★★★
Claims ★★★★
Waiting Periods ★★★★★
Ease of Enrollment ★★★★★

"Very Easy Sign Up Process"

"I bought pet insurance as soon as I graduated and got my first job. My parents cut me off and I wanted to make sure I could take care of Tuff if anything ever happened to him.

So far so good but I'm still glad he's insured because I won't have to rack up credit card debt if he does get sick or hurt."

Riley & Tuff

Read Tuff's Full Story

More Stories: Nationwide Pet Insurance Reviews

Category #4 - Company


Category Rating: ★★★★★

The company was founded in 1982 by Dr. Jack Stephens, who is the father of pet insurance in America. Nationwide scores perfectly on all company attributes because they are the oldest, biggest and one of the most trusted and respected insurance companies in the world.

Company ★★★★★
Policy Options ★★★★★
Service ★★★★★

Fun Fact: Lassie was the first pet insured in the U.S. and was covered by Nationwide Pet Insurance!

Year Founded 1982
Underwriter Veterinary Pet Insurance Company (A+)
Headquarters Brea, CA
Leadership Scott Liles
Claims Reimbursement 30 day maximum
Vet Policy Any licensed U.S. veterinarian
Phone 1-877-263-5998
Service Hours Mon - Fri: 5:00am - 7:00pm PST, Sat: 7:00 am - 3:30pm PST
Trial Offer 10 days

Policy Exclusions

Whole Pet with Wellness

Excluded conditions or procedures include:

  • Pre-existing conditions
  • Additional excluded conditions identified on the declarations page or renewal certificate of your policy
  • Behavioral training, therapy or treatment that is: (1) not prescribed by a veterinarian or (2) pet obedience training
  • Foods or dietary or nutritional supplements used to preserve or improve general nutrition or health (as opposed to treating a condition), even if prescribed by a veterinarian
  • Boarding, storage, transportation, grooming or bathing
  • Fees or other expenses not directly related to veterinary services including (1) waste disposal, (2) record access or copying, (3) any license or certification, except a state or federal health certificate provided to you by your veterinarian, (4) compliance with any government rule or regulation, (5) any tax, or (6) any charge assessed by any bank, credit card company, or other financial institution
  • Diagnosis or treatment that is experimental, investigational, or otherwise not within the standard of care accepted by the veterinary medical board of your state


Major Medical Plan

Excluded conditions or procedures include:

  • Pre-existing conditions
  • Any additional excluded condition listed on the policy declarations page or renewal certificate
  • Certain bone or joint conditions associated with (1) hip dysplasia, or any luxation or subluxation associated with hip dysplasia, (2) elbow dysplasia, (3) patellar luxation or subluxation, (4) osteochondritis dissecans, or (5) any fracture, luxation, or subluxation associated with aseptic necrosis of a femoral head, but we do provide limited additional coverage for specified ineligible conditions
  • Cruciate ligament or meniscal damage or rupture that occurs during the first twelve (12) calendar months of the policy
  • Cervical vertebral instability/wobbler syndrome, but we do provided limited additional coverage for specified ineligible conditions
  • Angular limb deformity
  • Congenital anomalies or developmental defects
  • Hereditary disorders, but we do provide limited additional coverage for specified ineligible conditions
  • Diagnosis or treatment for: (1) removal or treatment of deciduous (baby) teeth, (2) cosmetic dental restoration including veneers, crowns, caps or other prosthetic devices, (3) temporomandibular joint (TMJ) disease, (4) enamel hypoplasia, (5) gingivitis, or (6) tooth hygiene or appearance including teeth cleaning and polishing
  • Diagnosis of, or treatment for, internal or external parasites
  • Elective procedures or cosmetic surgeries
  • Expression of anal glands, anal sacculitis, or removal of anal glands
  • Preventive gastropexy, tail docking, dewclaw removal, ear cropping, skin fold resection, vulvar episioplasty, declawing, or nail trims
  • Breeding or pregnancy including Cesarean section, dystocia, termination of pregnancy, pseudopregnancy, spaying or neutering
  • Spay/neuter (unless optional wellness rider with spay/neuter benefits is purchased)
  • Special diets, pet foods, or dietary or nutritional supplements
  • Boarding, transportation, grooming, or bathing
  • Routine examinations, preventive treatment—including vaccines, or diagnostics associated with preventive treatment (unless optional Pet Wellness plan is purchased)
  • Diseases that are preventable by vaccination
  • Age-related changes to your pet's eyes or ears
  • Diagnosis or treatment that is experimental, investigational, or otherwise not within the standard of care accepted by the board of veterinary medicine of your state
  • Diagnosis, treatment, training, or therapy for behavioral problems
  • Fees or other expenses not directly related to veterinary services
  • Diagnosis or treatment of any complication or progression of any condition excluded by this policy


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