Nationwide | Pet Insurance Review

Not in effect yet! Just got appointment with a new vet. I have an appointment next week. So I can state that your process was good and your representative was excellent. I look forward to when my policy is in effect after my vets report and my waiting period!

I have had this insurance for 10 years, since my cats were young. It was good insurance, until it wasn't. I planned to keep this insurance for the lifetime of my cats. Then, Nationwide decided they didn't want to operate in Florida anymore because it's too expensive for this huge corporation. Now I have to find replacement insurance with another company for two senior cats with conditions that developed during Nationwide's coverage that *would* have been covered if Nationwide didn't pull out of Florida, but now won't be covered by my next plan as "preexisting conditions", just when I needed the insurance the most. Beware, do not sign up for this insurance because they just might decide your state is too expensive next and your pet's most important conditions won't be covered. Adding insult to injury, they denied my final claims. The plans listed an effective date through the 2nd. "January 2nd" is the date listed everywhere on the app and on the website. One cat was due for his one month follow up after radioactive iodine treatment and the other was due for his 6 month recheck of his kidney values, so I took them both on the 2nd. Guess what - both claims were denied by Nationwide who now states that actually January 1st is the last day of the policy because January 2nd they're no longer effective. If that's the case, the website and app should say January 1st! Every expiration date I've ever come across in my life lists the last day of the effectiveness of the policy, plan, service, card, etc., and you have until the end of the day to use it. I begged them to help me, to see if there was anything they could do, because this was not clear at all and the entire situation of the company pulling out of Florida is not my fault. They were rude and cold on the phone, saying there's nothing they can do. Of course there is something they can do, they can cover the claims, but they don't want to. Thanks Nationwide for leaving me in tears and leaving my cats vulnerable to their now "preexisting" conditions in their senior years. I am so sorry to all others who are in the same position as me in Florida and hope no one else in other states has to experience this, but I wouldn't risk it.

The rep I spoke to on the phone was very nice and very knowledgeable. He was able to give me an apples to apples comparison of your coverage vs. my current coverage and I realized I was paying way too much than I should have.

Great experience with the sign-up process. Stay tuned for another review once approved and go to our first vet appointment.

Is Nationwide really on our Side? It doesn't seem like it. I rated 2 stars because in the past I had yearly surgeries for my dog because of recurrent skin cancer and reimbursement has been simple and fast. I have had a policy for 6 years for my dog and 2 cats, things have come up, its been easy. But now I have my back up against the wall, my newest cat (a stray who just showed up) had to have an expensive surgery right before his coverage started (credit card is maxed out now), then a couple weeks later a go at the emergency vet for urinary issues, he will now need to be on a special diet for the rest of his life, each 16 lb bag upwards of $140! This isn't a lifestyle choice, this is to prevent very expensive surgeries and/or death. They only cover $100 annually, that's IF you opt into it! The no prior authorization is disappointing, not all of us have a credit line of 5k to pay for surgeries. My dog needs to have more cancer removed along with a dental surgery - hopefully at the same time. I called and asked for a supervisor, hoping there was some way to offer a promissory note for my vets office based off of the quote received from my vets office. No sympathy, no compromise just "no's". If I could change my policy I would, but the world of pet insurance doesn't cover pre-existing conditions. My dog is 11. He has pre-existing conditions. I pay approx. $250 monthly from payroll deductions to call and get "no's". So based on my paycheck to paycheck income, I will end up having to split the surgeries - cancer and dental because that's what I can afford to put up front. This will end up costing Nationwide an additional surgery fee and all associated surgery costs. Not to mention, the risk of anesthesia for an older dog, for 2 surgeries. For something that saves them and myself money, how can the answer be no? I know based on past experiences with them that it will be covered minus deductible and the percentage. Are they unable or unwilling to review or escalate to someone who can offer something more than "no."? Nationwide isn't on our side. They are big business. 2 very different things. Change my mind.