Nationwide | Pet Insurance Review

I purchased this policy through my work, for my 2 year old GSD. It sounded cheap at first with payroll deductions but when I added it up, its over $750.00 a year premium, that alot for a 2 year old. The policy became effective in Feb, 2026. In mid february my dog had some black urine that we saw vet about he was diagnosed with anaplasmosis, I didnt place a claim. In march my dog suddenly had trouble urinating where he was mistakenly dx with tick borne disease, then 2 days later was rushed to university vet hospital where he was diagnosed with prostatitis. Between the 2 visits vet bills were over $2000. I put in claims for both vet bills and upon checking status will be reimburses 57.50 for his nexgard. They claim this was a preexisting condition. I'm not sure how this can be considered a preexisting condition he was having no trouble until feb. I plan on calling to fight them for this, I plan on cancelling this policy after I fight them. I didnt get this before in my paperwork but just noticed it on the website explanation of benefits that he is not covered for cruciate or behavioral issues- this was not disclosed at the purchase of the policy. I'll file a complaint with my state insurance board. I would NOT recommend this insurance to anyone, way too pricey for apparently very limited coverage. Update: I noticed that my dog had a cruciate exclusion and he had NEVER had any problem with any of his legs! Sadly I had to put my 2 year old dog down earlier in the week, I blame nationwide partly for this, there were so many exclusions I couldn't have extensive testing done to find out what was causing him such severe pain. It seems Nationwide is NOT on your side.

They want a year worth of medical records on your pet. The information they request for a little 800 dollar a year insurance policy is insane. My dog had more coverage without all this extra. It is insane to me that they require more information for your pet then a 100,000 life insurance policy or medical insurance ask for a human. I just don't think it's worth all the crazy emailing of a years worth of medical records. I can get her insurance cheaper and better cone to find out. Insurance that pays the vet directly without all this headache. I just thought it would be easier to have it come out of my paycheck, but really it's more of a headache with less coverage.

Richard was great

I had this Pet Insurance for years for my three dogs. And for a while, everything was great and I had no issues. As my female dog was aging, the premium continued to skyrocket. When she was six she had mast cell cancer. At first her cancer treatment was covered because I was paying for the policy for major medical. I was paying $384 a month just for her coverage. And then I received a letter in November saying when her policy was up in December, they would not renew her. Because of her previous history with cancer, that was a death sentence for my dog. They didn’t contact me to see if I wanted to change the plan to something different. They just canceled her policy. Because they just canceled her policy, I am unable to ensure her with anyone else because she is considered pre-existing. Because she no longer has insurance treating her cancer is nearly impossible. I feel after years of paying premiums to this company. They should’ve at least given me an option for a different policy. They know that by canceling her without giving me an option for a different plan that I was no longer available for insurance with anyone else either. 

We’ve had Nationwide pet insurance previously and were always satisfied with the service and the dedication to the customer. No need to shop others!