Claim Coverage
Explore detailed reviews about the claims process and coverage provided by pet insurance companies. See how quickly claims are approved, what’s actually covered, and how satisfied pet parents are with reimbursements.
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For Comprehensive Major Medical Coverage, Look Elsewhere
We enrolled our dog in what was then VPI when our now 8 1/2 year old dog was just about eight weeks old. We had wellness and major medical coverage for her first year, and then switched to just the major medical coverage because it was more economical. Our dog has always been healthy and our claims were minimal (a couple of porcupine quills, an ear infection and other minor medical events). Because of this, we thought the coverage was good and fair. After our deductible we were reimbursed in the neighborhood of 80 percent. For the last four years, our premiums went up quite a bit, but we stayed loyal to Nationwide--thinking we were covered in the event that there was a medical crisis. Well, here we are in the midst of a medical crisis. Our dog was diagnosed with cancer about a month ago, and as it turns out, Nationwide has not been on our side. Their major medical coverage is a benefit schedule (unless you are willing to pay for their pricy Whole Pet Wellness plan, though even that has a lot of exclusions). And the benefit schedule is both confusing and completely out of touch with the reality of what pet care costs for a major medical event. To be truly informed, you would have to translate the medical-ese of the benefit schedule and then research the cost for a whole host of medical issues. And then read all of the fine, fine print of medical exclusions (including certain kinds of cancers). The good news for us is that our dog's cancer was not included in the exclusion list. The bad news is that the "coverage" being provided amounts to about 30 percent of the costs we have incurred for the diagnosis and treatment. Take, for example, Nationwide's allowance for diagnostic testing: It is $1600 for the policy term (not annual). To diagnose and treat our dog required two CT scans. Just one CT scan costs nearly that. (Note that the annual allowance for the CT scan is less than that.) If you needed an ultrasound and a CT scan to diagnose a condition you would have used up your entire allowance for diagnostic testing for the pet's life. I have appealed the claims they have denied because we have used up our paltry allowance for her diagnosis, but do not expect any change. Subsequently, we have cancelled our policy for our younger dog and chosen a different insurer that has a policy that is explained in much clearer terms and offers far more comprehensive coverage for the same price. Unfortunately, we will have to stay with Nationwide for the dog who is sick.
Insurer: Nationwide
By: Jesse
The claim process was fast and easy during a difficult time!
Paying for insurance is never fun, but like any other insurance it is a necessity when something goes wrong! Each claim I filed was handled efficiently and the explanations were easy to comprehend. I appreciate the quick turn around time to be reimbursed and the customer service I received towards the end of my pups care. A nice note was sent to me from the Healthy Paws team to check on my dog and wish her well. I love the convenience of the mobile app and the submittal process for claims. Very easy, Thank you!
Insurer: Healthy Paws
By: Kim
Superior customer service!
Nationwide Pet Insurance provides excellent customer service from selecting the right policy to quick payment of claims! Thank you for making it so easy!
Insurer: Nationwide
By: Spencer
The claim was processed quickly and painlessly!
The claim was processed so quickly and that was so helpful in paying the vet bill.
Insurer: Nationwide
By: Jeanine
Very Easy to work with and customer friendly
I love to be able to fax my claim and it is processed very quickly. it helps because my dog has a chronic allergy and she has to see the vet often.
Insurer: Nationwide
By: Darlene
Love this Pet Insurance!
Love this pet insurance. They make it so easy to submit and reimbursements are quick. Highly recommend!
Insurer: Nationwide
By: Toni
Every Pet Parent's Peace of Mind.
I have 3 policies with Nationwide for my 3 cats. I'm grateful that i was introduced to Nationwide Pet Insurance. Its been great for wellness and major medical coverage. I have been blessed to have the healthiest furbabies, but when i needed it for the unforeseen it was a blessing. Peace of mind is priceless! Thank you Nationwide!
Insurer: Nationwide
By: Maciato
Nationwide Insurance for our fur babies rocks!
I am so thankful and happy with Nationwide. Having peace of mind that our fur babies can receive quality medical care without us having to worry about extraordinary costs is so helpful. Thank you for the great insurance coverage! Please keep your coverage offerings for pets affordable and beneficial.
Insurer: Nationwide
By: Lisa
They are the BEST!
We have been a customer at Nationwide-VPI for almost 15 yrs. They have been wonderful. Never a question on our claims and they are super fast in paying a claim. We have found a friend in Nationwide! Keep up the good work.❤️
Insurer: Nationwide
By: Eileen
You Saved Dallas' Life!
This coverage is the difference between putting our Feline Friend down, and continuing to enjoy Him forever!! Total bill was $5,000 for Urinary Blockage. We were refunded $4400. The ease in filing our claims was terrific. And the quick response from Nationwide has been relieving! Thank you from Dallas, and his 2 grateful parents!!
Insurer: Nationwide
By: Gail