Nationwide | Pet Insurance Review

I've never had pet insurance before, but have been pleasantly surprised. Submitting the claims is easy.....understanding the EOBs is easy and the reimbursements are quick. Why can't human health insurance be this simple????

We got Nationwide's pet insurance with Wellness for our puppy. When we had our first major claim (i.e., we completed the $250 annual deductible) almost 6 months after our policy started, we were told that Nationwide would not cover the claim because it was a pre-existing condition. Under our policy, it specifically said no pre-existing conditions were identified. Nationwide still denied the claim and tried to change our policy once they were aware we never received a policy with pre-existing conditions to one that had pre-existing conditions. Their definition of what constitutes a pre-existing condition, however, is flabbergasting. I asked a representative that if a dog had eaten a sock and needed surgery but had a gastro-intestine pre-existing condition, would Nationwide cover the costs. They said no because it was related to stomach issues. It wasn't until we said we would be bringing a lawyer to any further discussions that they backed down. I think it also helped with the fact that their underwriting team refused to write the new policy. Since that issue was resolved, we've been very happy with the pet insurance through Nationwide. Filing claims is still difficult though. We downloaded the app that Nationwide said to use and when we upload all of the required information, they still ask us, almost every single time, that they still need the medical records from our vet. That takes a while to get every single time so the claims are always delayed. Aside from these, we are very happy to have the best insurance possible for our girl. Nationwide provides us with peace of mind knowing that if she needs anything, we don't have to choose between her life and whether we're able to afford it. Overall, very grateful.

Really good coverage. Covers a wide variety of expenses. The coverage can be quite pricey but thankfully I a discount is available through my employer. Customer service reps can be hit or miss when it comes to being personable.

Insurance coverages are just okay, but the recent 25% premium increase since Nationwide took over VPI is excessive.

Title says it all. Veterinary care can get overwhelming at times and it's good to know that we can do the emergency surgery or the big treatment if or when our dog needs it. It's better when our dogs just remain healthy... but our experience with Nationwide has been positive.