Nationwide | Pet Insurance Review

Elaine was amazing to work with. She’s a true professional and was kind and patient and so thorough in reading through all the coverage and disclosures for the plan I selected. I love our Nationwide coverage for our other dog and knew we needed to get our new puppy covered too!

I insured three dogs with Nationwide and had a very disappointing experience overall each and every time. Despite paying monthly premiums for all three pets, I found that all claims—whether for routine care or legitimate medical issues—were either minimally reimbursed or denied entirely. The most recent example was my dog’s ear hematoma, which was denied as being related to a “pre-existing condition” (ear infections/otitis). This was frustrating, especially since it required real treatment and significant out-of-pocket expense. What concerns me most is the pattern across all three dogs. Even for relatively minor visits and check-ups, the reimbursements were so limited that the insurance provided little to no financial benefit. Between deductibles, partial reimbursements, and broad interpretations of “related conditions,” I ended up paying nearly everything myself while still paying monthly premiums. At that point, the policy no longer made financial sense, and I chose to cancel coverage for all three pets. I would strongly encourage others to carefully review how pre-existing and related conditions are defined, as this can significantly impact what is actually covered.

The quote and writing of the policies were quick and easy process.

Very friendly and knowledgeable.

Ease of enrollment.