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VPI Pet Insurance Reviews

Last modified: Sep 29, 2022

Overall Raiting: 8.2
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Financial Strength: A+
BBB Rating: A+
Coverages: 5/5
Flexibility: Customizable policies available
Discounts: Multi-pet discount
Support: Phone, email, online
Availability: All 50 states
Pricing: Variable

If you are scouring the internet looking for reliable VPI pet insurance reviews, then you have come to the right place. Previously known as VPI, Nationwide VPI pet insurance offers comprehensive pet insurance options for pet owners. 

Nationwide is one of the largest and well-established insurers operating in the country, offering up to three different types of pet insurance policies. It is considered more comprehensive, and a tad bit expensive than other insurance providers when it comes to coverage.  If you are shopping for pet insurance - make sure to check out our list of best pet insurance companies.

VPI pet insurance reviews

Those looking for a veterinary pet insurance company might not think of Nationwide pet insurance for obvious reasons. The insurance provider started its service back in 1925, where it offered home and auto insurance policies. 

While Nationwide started off selling car insurance policies, it eventually expanded its portfolio, including personal and business insurance products. In 2008, it added pet insurance to the tally of insurance policies that the company offers. 

Since the company has been around for long, it enjoys a unique position in the insurance market. Many pet lovers place their trust and confidence in Nationwide and its veterinary pet insurance products. The company boasts of its customer-centric business approach and also provides a VPI pet insurance phone number for its clients to use whenever needed. 

The company changed its veterinary pet insurance (VPI) brand to Nationwide in 2015. In other words, VPI is now being sold under the Nationwide brand name. When it comes to pet insurance, the provider is known for fast processing times, great reviews, and great discounts. 

How We Reviewed

One of the main ways we review insurance providers is by analyzing their website to determine their coverage options and other features.  This VPI pet insurance review is no different. 

Some of the other factors considered when reviewing an insurance provider are the types of incidents and bills covered or not covered, the percentage of reimbursements, restrictions and pricing and available discount options, user reviews, and the overall VPI pet insurance ratings. All these are taken into consideration when reviewing an insurance provider. 

Where is it Available?

Operating from its headquarters in Columbus, Ohio, Nationwide offers its veterinary policies that are easy to access and available for purchase in all 50 U.S. states, including the District of Columbia (Washington DC). 

Currently, Nationwide has 30,000 associates in locations spread across all 50 states in the United States. In fact, Nationwide has more than 30 office locations with 100 or more associates, so it’s easy for you to find a Nationwide pet policy where you live. 

Pet Insurance Review

If you are thinking about getting VPI pet insurance to secure your pet’s health and safety, then you’re in luck. One of the main advantages of finding a veterinary health insurance policy by Nationwide is that they offer a wide variety of options for their insurance coverage. 

Policies are not just available for cats and dogs, but almost all other common household pets, making it a great option for those looking for pet insurance for their pet rabbits or hamsters. VPI pet insurance plans also offer coverage for birds and small reptiles, along with its general pet wellness plans. Coverage is also available for potbellied pigs and goats. The only animals that have been left out of the net in the Nationwide pet insurance coverage are larger animals, such as horses.

You can also find pet insurance policies that vary according to the species of the animals. This also means that owners of exotic pets have to call the insurance provider to get more information for their particular exotic pet(s). 

Nationwide pet insurance policies can be divided into three major coverage plans; Major Medical with Wellness, Major Medical, and Whole Pet With Wellness. All of these coverage plans offer varying levels of coverage that are specific to your pet’s coverage requirements. 

What’s Covered and What’s Not Covered? 

Following are some of the areas covered under the three insurance policies available under the Nationwide banner. 

Major Medical 

This VPI pet insurance coverage covers the following areas: 

Major Medical With Wellness

The following treatments are covered under the Major Medical With Wellness VPI pet insurance policy:

Whole Pet With Wellness

The Whole Pet With Wellness plan covers the following: 

VPI Pet Insurance Pricing

As is the case with any insurance policy, the VPI pet insurance cost varies depending on multiple factors. Some factors considered before you can get a VPI pet insurance quote includes the pet’s age, breed, location, and health conditions. On the downside, Nationwide does not offer any way for customers to reduce costs by adjusting coverage levels. 

For instance, taking a higher deductible or being allowed to reduce their annual limits. While Nationwide offers one of the most comprehensive pet insurance policies available in the market, the charges are considered to be especially steep for dogs older than five years of age and older pets in general. 

On the flip side, customers get personalized pet insurance quotes for their pets by filling out a short online form. Nationwide also offers multiple insurance coverage plans for pets that can be viewed on the official Nationwide website. 

VPI Discounts and Features

Nationwide offers a multi-pet discount of up to 5% for customers insuring more than one pet. Customers can also save up to $20 annually if they pay upfront for the whole year for their insurance coverage. Once you provide your pet insurance login details, you can access the VPI pet insurance login portal to access information on payments, discounts, and other features that VPI pet insurance offers. 

The good news is that Nationwide pet insurance offers exclusive access to the VitusVet app claims submission and Vethelpline click to call access feature. The VitusVet application is available for iOS and Android apps and offers its customers a three-step process to file their pet insurance claims. 

Ease of Buying 

Nationwide offers customers an easy way to get pet insurance coverage for their pets. All you have to do is log on to the official website and follow the easy steps to get a quote. If you already have pet insurance coverage but want to add another pet, then you can choose the “Enroll a new pet” option on your account to get a 5% discount. 

Some of the information you will need to provide is your ZIP code, the type of pet, the pet’s name and age, and where you heard about their service. You will also need to provide your email address to get the quote. Like other pet insurance coverage plans, the plans offered by Nationwide pet insurance does not cover pre-existing conditions your pet has before the coverage began or occurred during the application processing and waiting period. 


One of the main characteristics of getting pet insurance from Nationwide is that it is extremely easy to get a VPI pet insurance claim. This not only means that you can easily fill up and submit the VPI pet insurance online claim form to get a quote, but Nationwide also offers extremely low waiting periods for those looking to get insurance coverage for their pets. 

Customers can log into their account and submit claims via their PC or smartphone. You can also download a PDF claim form from their website and submit it via the VPI pet insurance email claim process. Most claims are processed within 30 days. 

Some restrictions include chemotherapy coverage, which is capped at $2,400 per year. Pre-existing conditions are also not covered under Nationwide coverage plans. VPI pet insurance does have restrictions that vary depending on the policy type and individual case, which is why it is best to visit their official website to find out all the information you need regarding VPI pet insurance coverage and restrictions. 

Customer Satisfaction and Financial Strength Review

The VPI pet insurance BBB rating is A+, a testament to their superior quality pet insurance coverage. The VPI pet insurance AM Best has a higher rating than many other pet insurance providers. Another advantage of why many people prefer to use VPI pet insurance is that there are relatively low VPI pet insurance complaints because of their higher quality service. 

Customer Support

VPI pet insurance customer service rating is relatively high as compared to other pet insurance providers. Customers get access to a VPI pet insurance customer login, which they can use to log on to the Nationwide pet insurance website to find any information they need or submit a claim. 

For new enrollments, customers can contact Nationwide at 800-872-7387, and for customer care contact, 800-540-2016. Customers can also send an email directly to the customer support team through http://petinsurance.custhelp.com/app/ask. No 24/7 customer support is available after service hours, and there is no live chat option available. 

Comparison with Competitors 

VPI Pet Insurance Vs Healthy Paws pet insurance– Healthy Paws pet insurance does offer no limitation on their plans along with any lifetime caps on payouts. There are also no limitations when it comes to hereditary conditions. But, VPI pet insurance does offer multiple coverage options that can be customized according to your needs. VPI pet insurance also has a higher customer service rating as compared to Healthy Paws. 

VPI Pet Insurance Vs Embrace Pet Insurance – Embrace Pet Insurance offers many coverage options for pets but lacks in its customer service and waiting period for claims that are longer than VPI pet insurance. 

VPI Pet Insurance Vs Aspca Pet Insurance – ASPCA Pet Insurance has been offering specialized pet insurance policies for its customers for many years now. The company is well known for its high level of customer service. But, VPI pet insurance offers faster claim processing time and has more discount options and features. 


  • Broad range of coverage and prices – VPI pet insurance offers the broadest range of coverage and pricing options of any pet insurance provider. The insurance company enables pet owners to get the best coverage options for their pets based on multiple factors, offering the best protection.
  • Use any licensed veterinarian – VPI pet insurance makes it easier for those who need pet insurance by using any licensed veterinarian for the pre-approval checkup and other future checkups. This means pet owners do not have to worry about getting their pets checked by veterinarians approved by the insurance provider.
  • Covers most household pets – One of the best parts of going with VPI pet insurance is that it offers coverage for almost all common household pets, except for horses.
  • Discounts for multi-pet households – The insurance provider also offers up to 5% discount for multi-pet owners.
  • More expensive than competitors – On the downside, Nationwide pet insurance is considered to charge steeper rates compared to many other pet insurance providers
  • Per-procedure limits – There are certain per-procedure limitations placed by the insurance provider.
  • Single deductible option – Another downside of getting a VPI pet insurance coverage for your pet is that there is no way of adjusting the single deductible option.

According to VPI pet insurance reviews, this provider received mostly positive impressions from its customers. It offers a wide range of services and prices to match, you can customize your package based on your pet's needs.  It is more expensive than other providers and it is unique because it covers more exotic pets.


Does insurance cover allergies?

No. Pets with allergies cannot get coverage. However, you can contact the insurance provider to get more details. 

Does insurance cover medications?

Apart from the ‘Major Medical’ pet insurance plan, all other insurance plans by Nationwide cover medications. 

How to cancel pet insurance?

Customers can cancel their pet policy at any time by letting the insurance provider know in writing. There is even a 100% money-back guarantee if the customer cancels the policy within ten days of the coverage going into effect. If you decide to cancel later, the unused premium is refunded, no questions asked. 

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