Nationwide Pet Insurance

Nationwide (formerly Veterinary Pet Insurance, the first US pet insurer since 1982) brings institutional financial strength and the broadest species coverage in the market. They're the only provider we reviewed that covers birds, reptiles, small mammals, and exotic pets under the same umbrella — invaluable for multi-species households. Their 'whole pet' plans include comprehensive wellness coverage, dental illness, exam fees, and alternative therapies. Customer satisfaction scores lag behind younger, tech-native competitors like Lemonade and Healthy Paws, and their claims process can be slow. For straightforward dog and cat coverage, Embrace or Healthy Paws typically provide better value. But for diverse households with non-traditional pets, Nationwide is the clear choice.