Nationwide | Pet Insurance Review

Our dog, Layla, is a good, overall healthy pup, but she has had some random setbacks that have caused us to see some pretty hefty vet bills in the first few months of her life. First a UTI that she had trouble shaking, and then a tooth that grew in funny (so funny, in fact, that the vet had never seen anything like it). After that bill, I decided to ask my HR about the pet insurance they provided through Nationwide. It has been a wonderful experience ever since. We take her to get her heartworm medicine and flea medicine, and anytime something comes up (like an especially gunk filled eye), we don't worry about taking her because we know that just about everything is covered. The deductible was not hard to get to, because as I said, Layla isn't an ill dog, she's just got some random weird incidents that have caused us to raise an eyebrow at our vet bills, and while you do have to pay out of pocket at the vet, it's very easy to send in a claim right away and they reimburse you in about a month. My only complaint would be that when I filed my first claim or two, I had some trouble finding the claims paperwork to fill out. But now that I've done it a few times, it's fairly simple. I've never experienced any kind of problem where they didn't want to pay, and everything is always straightforward. Overall, I would definitely recommend it, especially if you find yourself going to the vet for the most random things. They do restrict on some things, like if they decide your dog has a pre-existing condition, they won't cover things under that. But if your dog is healthy for an extended period of time and doesn't have any incidents with what they've decided is pre-existing, I believe you can provide them with your dog's medical records again and ask for the pre-existing condition to be removed. We will be doing that sometime soon (the UTI got marked as a pre-existing condition for bladder problems) and I will know for sure. But for the past six months, it has been very nice not worrying about going to the vet.

Nationwide Pet Insurance does what they say they do help out and I appreciate a business like that. Thank you very much

The process of submitting claims, receiving updated responses and getting the reimbursement with explanation exceeded our expectations.

Submitted claim for Nicklaus Archer on 9/22/18. He had a traumatic small laceration to face which eventually became hot spot. You denied claim and continue to deny claims stating it's a "chronic condition", but it's not. Chronic conditions are diseases such as diabetes, etc. This was a one time traumatic injury that became a hot spot due to scratching. Very disappointed that you search for reasons to deny claims. I haven't been able to recommend your insurance to my colleagues and it's offered as a benefit. You also denied teeth cleaning which should be a preventive service and not "chronic".

I submitted several claims at once after letting them backlog a little bit. All 4 claims were processed quickly. This may be the first time I've ever been so happy with any form of insurance I've ever had. From Sugar and I, thank you so much for keeping my pup healthy!