Nationwide | Pet Insurance Review

I have pet insurance so I don't have to worry about the expenses when my pets have emergencies or other medical conditions. I don't have to think, can I afford this trip to the vet as I know Nationwide will step in to pay for all or most of the necessary expenses.

It shouldn't be a novelty to have a company do exactly what they promise but I am always astounded by the efficiency, ease and speed with which Nationwide settles its claims. Usually these are for well visits, and preventative treatments. This time however one of our dogs impaled her foot on a metal spike, which some idiot had dumped in the woods, on her daily run at the very start of the corona lockdown. Two surgeries and 38 visits to the vet later, her bills were over $4000. I submitted the claims in two batches. Each time minus my deductible I was reimbursed in full directly in to my bank account within eight business days of my mailing the claims. I could check at any time for the status of my claim online and the final explanation of benefits was crystal clear. I called midway through her treatment to speak to customer service to check if I could submit a claim before her treatment was complete. I was put through to a representative immediately who was able to answer my question. No putting on hold for 15 minutes and then being told no one was available at this time. No one questioned my claim, asked for it to be resubmitted, said it wasn't pre-approved, said it was out-of-network, said it was unnecessary treatment or basically came up with any excuse they could to justify not reimbursing my claim under the average for which I had in good faith paid my premium. And this was all during the corona pandemic shut down. Imagine if human health care in this country was run in the way that Nationwide runs its pet insurance. Yes the premiums seem a lot each month - we have four pets under it - especially when everyone is injury free and healthy - - but I would recommend Nationwide every single time. They don't make excuses. They do exactly what they say they will. I love them!

Wow!! Nationwide was right there when I needed them for my German Shepherd Bear... Bear broke his right ankle playing too aggressively outdoors. He was limping and had a hard time walking...it was painful for me to watch. Nationwide was right there along the way to help defray the costs of 3 vet visits...! I was reimbursed promptly. I highly recommend Nationwide for your dogs/cats/pets!

It was interesting how unorganized everything was. I had our first claims last year, no issue. Then this year, after waiting for 30+ days, was requested for medical records back a full year. Then 30 more days to review, then a note that 30 more days were needed. I'm also concerned on the letter received that some issues were no longer covered since there was no proof it was cured, however Nationwide has all his records and you can clearly see they are no longer issues and as such, for the second requirement, longer than a year ago. This is a little concerning.

Very helpful fast claims and payments through the mail helped us defray unexpectedly large bills when our dog got sick with pancreatitis and needed x-rays and other treatments.