Nationwide | Pet Insurance Review

4.8

out of 5

Number of reviews 21,417

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: Mark Riley

Easy Claim Filing and Rapid Payment

Unfortunately, Nitro has had several health problems over the last few months. It would have been very difficult for our family financially if we had not had Nationwide pet insurance. When done electronically (using the pre-filled out claim form on the Pet Insurance website and submitting claim as email attachment), claims filing is simple. Over the last couple of months, claims processing has been much quicker than previously. The only fly in the ointment is that there was a large premium increase this year. If there is a similar increase next year, we will have to reconsider keeping the policy. But at the currently, it has been a good value.
1

out of 5

POSTED: | BY: Paul Kosinski

Not worth the premium

Had to submit the first couple claims several times before even getting a response. Pretty much everything is rejected. Very little covered. Paying way more in premiums than I am getting back in benefits.
5

out of 5

POSTED: | BY: Robin Goichenberg

I'm so glad I signed up my 2 dogs for insurance

So glad I signed up both dogs for ins. Yes I pay every month a, but when Max gets injured and needs a vet asap I don't worry if I can pay that emergency vet bill because I know Nationwide has me covered.. I could save the monthly premium and put it away for vet bills when needed but we all know that I won't do that. Customer service people are so nice and helpful and you can hear it in their voice that they are smiling. Keep up the great service.
5

out of 5

POSTED: | BY: Robert Mazzei

THANK YOU FOR MAKING THE WHOLE PROCESS PAIN FREE

Very easy to deal with
1

out of 5

POSTED: | BY: Mary Adolay

Called eating cardboard a "pre-existing condition" and did not pay

My dog ate a frozen pizza cardboard, and it got lodged in her small intestine. Took her to ER and was charged a lot of money for all test run, and x-rays. Nationwide didn't pay a penny, said it was a preexisting condition. I called them, wrote them, and after six months of no news and "we'll let you know" and then receiving letters calling it not covered - I was stuck for the entire invoice myself. I was very upset and unhappy with their non-committal attitude, and my dog died a few months later. I know that she needed surgery, it was pay $6000 out of my own pocket or put her down. I can't help but feel Nationwide basically doomed her life. I wouldn't use them for a pet worm.

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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