Nationwide | Pet Insurance Review

After some rest, Prompto is doing much better now and not limping anymore. On May 1 we took him to the vet because he had a very bad limp and didn't even want to put weight on his front leg. They didn't find any breaks and even shaved his shoulder to check for injuries, but there was nothing substantial. It seems it was probably just a bad sprain in the upper leg. They gave him a convenia shot just in case and he came home to rest it off. He was very panicked at the bet, so they had to put him under to check him, and also wake him up. I filed my claim on the 2nd. I included what I knew about what happened as well as the estimate + the final invoice. I had the Whole Pet with Wellness insurance, which has a $100 annual deductible and covers 90% of costs. About two weeks later I received a response in the e-mail that the claim had been accepted. About a week later I received the check. I didn't have any hassle using them. I had actually already scanned my vet records and was ready to send them when they asked, but I didn't even have to do that. It was a surprisingly easy process for me and I'm happy with the result. To be clear, I had the insurance policy that covers the most. I was also not only up to date on my payments, but I'm ahead on my payments. I also sent all the information with my claim. Previously, he had been healthy, though he had been bitten once by another cat previously. I did my best to be responsible on my side.

Beware of Nationwide - they seem to have an entire team of lawyers and vets on their staff whose only job is to find a reason to “deny” your claim. For example, my 5 y/o female Siberian Husky weighs 44 lbs(average weight for female Siberian Husky is 35-50lbs). Our vet “recommended” she loose 4-5lbs to get her down to a “lean weight”. Since our vet recommended she loose 4-5lbs, Nationwide categorized her as “obese” while reviewing my claim for a torn knee meniscus surgery and denied the claim. I asked Nationwide to explain the definition of obese(because our vet had NEVER used that term while assessing our dog). Nationwide said their term obese applies to any pet that is above the vet’s recommended weight. I found that to be astounding and asked the representative if a 100lb dog was 1/2 lb over the vet’s recommended weight - would that dog be obese under Nationwide’s insurance claim definition? Her answer was “yes”. So there you have it, if your pet is 1 ounce over the vets recommended weight you can expect to have any and all claims denied that “could be caused by or a result of obesity”. What issues can arise from obesity in order to deny a claim? Let your imagination run wild.. Tony Valenti New Orleans, La

We are very pleased with your service.

This was my first claim and the process was easy. Had to call once because I received a correspondence I was confused about. Received the necessary assistance.

Great coverage and great customer service! Claims are usually processed in 2 weeks. Only wish i could afford it on all my pets.