Nationwide | Pet Insurance Review

4.7

out of 5

Number of reviews 25,788

As the largest provider of pet health insurance in the U.S., Nationwide currently insures over 600,000 dogs, cats, birds and exotic pets for medical conditions related to illnesses, injuries accidents and wellness care. Learn more about Nationwide’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
5

out of 5

POSTED: | BY: Abby

Fair, efficient and incredibly friendly!

I have been a member for over 8 years now and I have only had wonderful experiences. Nationwide works hard in ensuring you feel protected and covered when an illness might come about. It takes a ton of stress away, allowing you more time to focus on getting the care needed for your pet.
5

out of 5

POSTED: | BY: Judi

You ‘re the best. Claim are looked at and processed promptly and Charlie and I thank you

I would definitely recommend you all to friends and family And when our son gets a new dog after losing his 151/2yr old English Black lab in Feb my gift to him and his puppy will be insurance through Nationwide Insurance
5

out of 5

POSTED: | BY: Suzanne

Thank you for the peace of mind Nationwide!!

Having a puppy means unexpected trips to the vet! Taking out insurance was the best decision I could have made for the well being of my best little buddy and peace of mind for me. Thanks Nationwide!!
2

out of 5

POSTED: | BY: Matt

They will only pay 6 months worth of claims before creating obstacles and attempting to deny future claims

We currently have the most expensive My Pet Protection With Wellness Plan at Nationwide. While the first 6 months were seamless with our claims and reimbursement, Nationwide put us in a "pre-denial" stage and began attempting shady business tactics to delay (and deny) potential reimbursement on new claims. For our latest claim, (conveniently at the 7 month mark), the standard requirements for reimbursement changed overnight. Nationwide stated that they need to investigate ALL medical records from every vet, hospital and clinic she's ever visited from date of birth to present day in order to process this new claim. Nationwide already has the all the medical records that the new claim is related to. Now, they want us to backtrack and collect all PREVIOUS medical records in existence (relevant or not) from every single place she's been examined since birth. This is a CLEAR stalling tactic and attempt to deny reimbursement. So while we oblige (and waste time as she has no pre-existing conditions and the plan I pay for does NOT require this process for reimbursement), I'm sure they'll find some vague reasoning to deny it. We'll be leaving Nationwide as soon as we can due to their shady tactics to save themselves an extra dollar.
2

out of 5

POSTED: | BY: Erin

They will only pay 6 months worth of claims before creating obstacles and attempting to deny future claims

We currently have the most expensive My Pet Protection With Wellness Plan at Nationwide. While the first 6 months were seamless with our claims and reimbursement, Nationwide put us in a "pre-denial" stage and began attempting shady business tactics to delay (and deny) potential reimbursement on new claims. For our latest claim, (conveniently at the 7 month mark), the standard requirements for reimbursement changed overnight. Nationwide stated that they need to investigate ALL medical records from every vet, hospital and clinic she's ever visited from date of birth to present day in order to process this new claim. Nationwide already has the all the medical records that the new claim is related to. Now, they want us to backtrack and collect all PREVIOUS medical records in existence (relevant or not) from every single place she's been examined since birth. This is a CLEAR stalling tactic and attempt to deny reimbursement. So while we oblige (and waste time as she has no pre-existing conditions and the plan I pay for does NOT require this process for reimbursement), I'm sure they'll find some vague reasoning to deny it. We'll be leaving Nationwide as soon as we can due to their bullshit tactics to save themselves an extra dollar.

Monthly Cost

Policies start at approximately $12 per month.

Coverage

Nationwide offers a variety of plans offering varying levels of coverage. The company’s most popular plan, Whole Pet with Wellness, offers 90% reimbursement for accident, injury, illness and wellness care, inclusive of exam fees. All Nationwide members have complimentary 24/7 access to vethelpline.

Payout Limits

Depending on the plan selected, there may be annual benefit limits or per incident benefit allowances. There is no annual limit for the company’s most popular plan, Whole Pet with Wellness.

Deductible

Annual deductibles range from $0 to $1,000. Most popular annual deductible for Whole Pet with Wellness is $250.

Age Limits

No age restriction to enroll in company’s most popular plan, Whole Pet with Wellness. Other plans may have age restrictions.

Waiting Period

14-day waiting period after application approved and payment of premium is received.

Exclusions

Pre-existing conditions are not covered on any plans (if a condition is curable, it may be eligible for review if pet remains treatment-free for at least six months). Whole Pet with Wellness covers nearly all veterinary expenses. Notable exclusions include boarding and grooming.
Since 1982, Nationwide has helped pet owners protect what matters most. As the largest provider of pet health insurance in the U.S., Nationwide currently insures over 600,000 dogs, cats, birds and exotic pets for medical conditions related to illnesses, injuries accidents and wellness care. In 2015, it introduced Whole Pet with Wellness, the only U.S. pet health insurance plan offering complete coverage for injuries, accidents, illnesses and wellness care. Policies range from nose-to-tail coverage to routine pet care plans that offer reimbursement for wellness exams and preventive treatments.

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