Nationwide | Pet Insurance Review

I talked to Melody, agent #6293 to purchase an insurance for my Greenchick Conure. She was great and the insurance looks pretty good in terms of coverage and price.

I’ve been a Nationwide pet insurance customer for years, and what just happened with my latest renewal has completely eroded my trust in this company. My annual premium increased 62% in one cycle — from $495.99 to $780.96 — with no clear advance warning, no plain-language explanation, and absolutely no recourse or escalation process available. When I contacted customer service, I was told the increase was due to “state factors,” “breed factors,” and “territory factors,” but no one could explain why these suddenly justified such a dramatic jump. I was also told that individual policies cannot be reviewed, adjusted, or appealed — not even when the increase is this extreme. Even worse, when I asked about switching to a different plan, they couldn’t tell me which of my dog’s existing conditions would be excluded until after I canceled my current policy and reapplied. In other words, the only way to try to lower my premium is to gamble with my pet’s health coverage. This feels unfair, opaque, and deeply anti-consumer. I’ve now filed complaints with the Texas Department of Insurance, the Better Business Bureau, and the Texas Attorney General. I want other pet owners to be aware of how little protection or transparency they can expect if Nationwide raises their rates without warning. I strongly recommend looking at other providers before choosing Nationwide for pet insurance. I genuinely wish I had.

Online experience was clear and concise. The registration was almost effortless.

Nationwide shouldn’t be taking payment for insurance if I don’t have insurance for my pet for 3 business days. It wasn’t transparently communicated that I have to wait for approval before I have insurance for my pet.

The agent knew what she was doing, knew the insurance product and what was covered in the various options, answered all our questions, and was extremely pleasant.