Nationwide | Pet Insurance Review

Larry’s doing wonderfully.

I have two historically healthy dogs, who have run into a series of health issues in the past six months or so. I would be lost without Nationwide. The claim process is so easy, and I never feel like they are trying to 'get out of' paying for things. The response times are excellent, and I feel truly grateful to have policies with them!

Excellent experiences with Nationwide . The only reason 10 stars weren't given is because of a bit of back and forth over providing prior medical history documents, which was partly a misunderstanding on my part, but I think the communication from Nationwide in its letters requesting the documentation could have been a little more clear. Anyway, very pleased overall.

I recently went through a months-long process of getting reimbursed for my dog’s treatment and I still don’t understand why it got so complicated. Nationwide requested the last year of medical records for my dog, and when I submitted the records as instructed they opened a new claim as if I was requesting benefits for those visits. In the end I had several claims denied due to insufficient information, meanwhile I had provided all documents available to me and Nationwide claimed they had tried to reach out to my vet for more info without success. When I asked my vet’s office they said they had not been contacted, but contacted Nationwide themselves and were able to help me get the whole thing sorted out. However, as a result I believe Nationwide added additional preexisting conditions for my dog which I believe were a mistake, and now I have to put time and effort into sorting that out. I have been very frustrated with my Nationwide pet insurance experience so far.

Nationwide has been quicker this year in reimbursement of claims. My one cat has had recurrent UTIs over the past couple of years. My only gripe is that the initial urinalysis done at each annual wellness visit is not covered. It is only after the result comes back positive with an infection, that follow-up urine tests are covered. My vet routinely does urinalysis as part of the annual wellness exam. Is this not considered an integral part of a pet's physical nationally?