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Dr. Pippa Elliott BVMS, MRCVS
Veterinarian
Dr Pippa Elliott BVMS, MRCVS is a veterinarian with over 30 years of experience in companion animal practice. In 1987 she graduated from the University of Glasgow, with a degree in veterinary medicine and surgery. She works at Blythwood Vets and the People’s Dispensary for Sick Animals (PDSA). Pippa is an advocate of Fear-Free Practice, an animal addict, and a veterinary writer. She is also w...
Veterinarian
UPDATED: Mar 25, 2024
Pet Insurance U receives compensation from the third parties included on this site. This includes payment for clicks from our site to insurance providers’ sites and quote requests generated. Our rankings and reviews are not affected by payments from the insurance companies. The compensation we receive allows the site to be free and regularly updated. Our goal is to review every pet insurance provider, but not all companies are listed on the site.
And many of the companies we review do not pay us anything. We simply rate, compare and review their plan because we feel it will be valuable to you. Our reviews are guaranteed to be unbiased, professional and advertising compensation does not influence rankings.
We are a free online resource for anyone interested in learning more about pet insurance. Our goal is to be an objective, third-party resource for everything pet insurance related. We update our site regularly, and all content is reviewed by pet insurance experts.
UPDATED: Mar 25, 2024
Pet Insurance U receives compensation from the third parties included on this site. This includes payment for clicks from our site to insurance providers’ sites and quote requests generated. Our rankings and reviews are not affected by payments from the insurance companies. The compensation we receive allows the site to be free and regularly updated. Our goal is to review every pet insurance provider, but not all companies are listed on the site.
And many of the companies we review do not pay us anything. We simply rate, compare and review their plan because we feel it will be valuable to you. Our reviews are guaranteed to be unbiased, professional and advertising compensation does not influence rankings.
On This Page
In 2015, VPI or Veterinary Pet Insurance Company was rebranded as Nationwide Pet Insurance Agency and can be found by searching www.petinsurance.com.
All of their plans are underwritten by the National Casualty Company and the company headquarters are in Brea, California. (For more information, read our “Best Pet Insurance in California “).
VPI had below-average customer service marks across several sites. But since it was brought into the Nationwide Mutual Insurance Company brand, policyholder sentiment has improved dramatically.
Low ratings tend to be focused on frustration with payouts–VPI’s pet insurance policy coverage has so many pet insurance plan options that it’s important to review your coverage very carefully before purchasing a policy.
Be sure to check out the wellness coverage options and if your medical plan covers congenital conditions. No pet insurance company will offer coverage of pre-existing conditions.
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FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!
About VPI Pet Insurance
Customer complaints note that the company’s benefit schedule is confusing and makes it difficult to calculate reimbursements once you meet your annual deductible.
Currently, they offer a percentage of invoice or a benefit schedule for reimbursements. The invoice percentage option comes only with the wellness plan leaving a benefit schedule for their major medical option.
As the nations’ oldest pet health insurance company, VPI offers some of the industry’s broadest coverage. Some pet insurance companies will penalize you for filing a claim, adding restrictions to your policy.
Nationwide promises to keep your coverage at the same level, making sure you are never penalized for your pet’s accident or illness.
Because deductibles affect your coverage rate, Nationwide offers an annual deductible OR no deductible, letting you customize your plan for your budget.
Established in 1982, the company covered Lassie, TV’s original pet celebrity.
In 2014, VPI and Nationwide Insurance joined together to provide coverage for pet owners across the country. They widened their coverage past dog insurance and cat insurance. In fact, Nationwide offers coverage of exotic animals such as rabbits, snakes, and birds to name a few.
Read more:
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Veterinary Pet Insurance (VPI) Coverage Plans
Plans for pet insurance through VPI offer flexible coverage and as much as 90% reimbursement on vet bills.
Because the company is part of Nationwide Insurance, a highly rated company, VPI is positioned to offer competitive rates with these three plans.
Nationwide’s Whole Pet with Wellness
- Starts at $64 per month
- Exams and treatments
- Lab tests and X-rays
- Prescription coverage
- Accident coverage
- Surgical and hospitalization
- Hereditary conditions, no waiting period
- Chronic conditions
- 90% reimbursement on vet bills
- No maximum benefit
- Dental cleanings
Nationwide’s Major Medical
- Starts at $34 per month
- Exams and treatments
- Lab tests and X-rays
- Prescription coverage
- Accident coverage
- Surgical and hospitalization
- Some hereditary conditions, waiting period
- Reimbursements per schedule
Nationwide’s Pet Wellness
- Starts at $17 per month
- Wellness exams
- Vaccinations and tests
- Flea and heartworm prevention
- Reimbursements per schedule
- Dental cleanings
VPI earned an average rating of 2 stars out of 389 reviews on Yelp.
Related: 10 Things You Must Know Before You Buy Pet Insurance
Additional VPI/Nationwide Plans
VPI once covered pet health care basics with these additional budget-friendly plans. Their whole pet wellness plan has a copayment and deductible schedule for all items, including preventive care.
However, these older plans have been phased out and replaced by the plans above.
VPI Medical
- Starts at $20 per month
- Flexible deductible
- Illness and emergencies
- Some chronic conditions
VPI Injury
- Starts at $10 per month
- Accident coverage only
VPI Feline Select
- Starts at $20 per month
- 15 common cat conditions
- Some chronic conditions
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You may find helpful one of our other Best Pet Insurance Reviews which include over 35 top insurers compared with cheap and affordable pet insurance and discounted mixed breed pet insurance.
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Frequently Asked Questions
What is VPI Insurance?
VPI, or Veterinary Insurance Company, was rebranded as Nationwide Insurance Agency in 2015. It offers insurance plans for dogs, cats, and even exotic animals.
How is VPI Insurance secured?
VPI Insurance is secured with SHA-256 Encryption, ensuring the protection of sensitive information.
Who underwrites VPI Insurance plans?
All VPI Insurance plans are underwritten by the National Casualty Company, and the company’s headquarters are located in Brea, .
What types of insurance plans does VPI offer?
VPI offers a range of plans, including Whole with Wellness, Major Medical, Wellness, and additional budget-friendly plans like VPI Medical, VPI Injury, and VPI Feline Select (Note: Some older plans have been phased out).
What changed when VPI became Nationwide Insurance?
VPI, now under the Nationwide brand, experienced an improvement in policyholder sentiment, particularly in customer service. The rebranded entity widened its coverage to include exotic animals and expanded its offerings.
How does VPI/Nationwide handle customer reviews and ratings?
VPI/Nationwide receives compensation from third parties but emphasizes unbiased and professional reviews. The goal is to be a free, objective, third-party resource for insurance information.
How does VPI/Nationwide handle customer complaints?
While VPI had below-average customer service marks before joining Nationwide, the rebranded entity aims to provide improved service. Customer complaints may arise regarding the benefit schedule’s complexity and reimbursement calculations.
How effective is VPI/Nationwide in covering vet bills?
VPI/Nationwide claims to pay up to 90% of vet bills when pets are sick or injured. However, customer complaints may note confusion about the benefit schedule and challenges in calculating reimbursements.
Are there specific limitations or considerations for VPI/Nationwide coverage?
VPI/Nationwide emphasizes the importance of reviewing coverage carefully before purchasing a policy. Specific complaints may relate to frustration with payouts, and coverage options may vary among plans.
What types of pets does VPI/Nationwide cover?
VPI/Nationwide offers coverage not only for dogs and cats but also for exotic animals such as rabbits, snakes, and birds.
How are claims handled with VPI/Nationwide?
Customers are required to pay for treatment, submit a claim form, and provide invoices for payment documentation. VPI/Nationwide processes the claim and mails the reimbursement to the customer.
How does VPI cover birds and exotic pets?
The company’s Bird and Exotic Pet Insurance covers illness, accidents, exams, and more. Most pet bird species are covered, and the exotic pet list includes hamsters, rats, lizards, turtles, and ferrets.
Enter your ZIP code below to view companies that have cheap pet insurance rates.
Secured with SHA-256 Encryption
Dr. Pippa Elliott BVMS, MRCVS
Veterinarian
Dr Pippa Elliott BVMS, MRCVS is a veterinarian with over 30 years of experience in companion animal practice. In 1987 she graduated from the University of Glasgow, with a degree in veterinary medicine and surgery. She works at Blythwood Vets and the People’s Dispensary for Sick Animals (PDSA). Pippa is an advocate of Fear-Free Practice, an animal addict, and a veterinary writer. She is also w...
Veterinarian
We are a free online resource for anyone interested in learning more about pet insurance. Our goal is to be an objective, third-party resource for everything pet insurance related. We update our site regularly, and all content is reviewed by pet insurance experts.