Nationwide | Pet Insurance Review

Definetly recommend pet insurance. Never thought i would be using it this much, but luckily I have it. Over the course of the year, Nationwide has been more prompt with confirmation emails and payouts. Very easy to file a claim. Only negative is they didnt pay as much for well visits as I expected, such as shots. And there are caps on what you file as well depending on the diagnosis. Overall, I have been happy with them.

Quick and Easy Reimbursement and easy to claim.

Sales dept, coverage levels and premiums are great, but they are seriously lacking in every other area. They take forever to do anything, including processing and review of your application for coverage approval. You aren’t told up front about this delay. Claims will get kicked back/denied for any tiny thing discrepancy or perceived missing piece of medical record (no, they don’t proactively contact your vet for medical record info or details like other insurances do). And I’ve had to review every claim they’ve paid, to make sure they didn’t ‘overlook’ line items (this has happened). As the customer, I’m definitely doing more work than I’ve ever done in 11 years of filing per insurance claims for other pets at their competitor (I still have an animal who is covered with said company). If you ever call customer service about a delay or any other concern, they seem to read you the scripted lines to placate, stonewall, beat around the bush, blow smoke and even lie to you. They expect you to accept whatever they say and thank them for wasting your time. Somewhere along the line, they forgot the insureds are paying customers who contribute to their salary. They act as though they’re doing you a favor, so you should just deal. If I refer someone to nationwide/vpi, I definitely let them know the upside and downside upfront.

I am always satisfied with every aspect of Nstionwife. I would not own a pet without them.

It sounds silly that I'm recommending this company to other pet owners, but I'm not even sure who else offers a program like this. I find the claim process incredibly tedious. I tried downloading VitusVet but can't use it because my veterinarian isn't on their list. I was unable to file claims via the desktop website because it won't let me select my pet from the drop-down (it's just blank and says "No pets listed." I have to file claims by printing out a form, filling it out, then scanning it and emailing it back to Nationwide. I signed up for electronic reimbursement, but this is just Chase Payments which isn't necessarily convenient. You are notified via email that there is money available, and you have a few days to "retrieve" your money before it disappears into the ether. I'm on top of my email, but it's just so inconvenient that this couldn't directly ACH into your account. I signed up for electronic reimbursement, I feel like that should serve as acknowledgement that I want the money deposited into a specific account, rather than having to retrieve it like Venmo. Given my challenges, I should probably answer my own question above and try to find another company that offers this for next year's services.