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.
1

out of 5

POSTED: | BY: Dan

Benefit coverage is very unclear and not worth it

I signed up for insurance and it was a relatively easy process to do so. Although I thought I generally understood what was covered, I realized very quickly how useless the plan is. My dog has a skin condition that required medicated shampoo and conditioner, so I took him to the vet and had him get a shot while we were there and purchased heartworm prevention. I submitted the claim and they wrote it all off as a routine visit. The medicated shampoo and conditioner did not even count towards the $250 deductible. I double checked the policy declarations and it is extremely vague what is covered. It mostly includes a long list of what is not covered. In my opinion, this a huge waste of money for a policy that is extremely vague, and offers very little.
3

out of 5

POSTED: | BY: Jason

Reimbursement too long

All in all pretty good coverage. Claim review takes too long.
1

out of 5

POSTED: | BY: Stephanie Mathieu

Affordable but Difficult to Settle Claims Fairly

Overpromises, undeliveres. I just settled claims in February that we’re submitted for October services. If it’s anything outside of normal vet visits, they take months to pay out. Read the fine print!! Very disappointed overall, looking to change providers. Beware of the benefits schedule, they really get you there.
5

out of 5

POSTED: | BY: Carol Perrone

Nationwide has helped us keep our pets in the best shape possible.

The new policy coverage is so much better than previous ones Andre' had because it has much better coverage plus the reimbursement comes within two weeks.
5

out of 5

POSTED: | BY: Allison

I never have to worry about finances.

Having VPI keeps me calm when my fur babies get sick or need something. I know that with every claim it will get handled with care. I never have to worry about not giving treatment due to costs.

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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