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.
4

out of 5

POSTED: | BY: Karen Norton

Claims processed as expected

My claims are being processed as expected. Unfortunately, pet insurance is like people insurance, and I just don't understand why 30 days is the "standard" for processing a claim. They're not all complicated. Other than that, no complaints.
4

out of 5

POSTED: | BY: Sean Woods

Friendly staff, good response time, benefit schedule is confusing

Staff is always friendly and helpful and response time is good. Only complaint is the benefit schedule is difficult to keep up with and certain items that aren't covered are confusing. We have had pet insurance for several years now and we made one claim in our first year. Back then it seemed like you basically took off the deductible and anything that wasn't regular vet care like shots was completely covered. We just recently made another claim and lots of little itemized things weren't covered because of the new benefits schedule. We understand costs go up but we have always paid increasing monthly amounts because we like the protection and understand our dogs are getting older, but if the benefits schedule keeps changing in this way we will have to consider other insurance options. We basically have the coverage in case something major comes up so we don't have to worry about making a difficult financial decision and can give our pets whatever the recommended care is, but if we don't have confidence in those things being covered it may not be worth the monthly expense.
5

out of 5

POSTED: | BY: Katherine Luttke

Absolutely great service!

Have always had great service and claims are processed within the time frame they say they will be with quick payment.
5

out of 5

POSTED: | BY: Arlene Louro

reimbursement of funds

Customer service was excellent. When I called they showed concern for my cat was very ill. I was not aware though that there was a cap on how much you can get reimbursed so that was a disappointment considering his cost was over $2000
5

out of 5

POSTED: | BY: Linda

Fast, efficient and caring

Took care of my Mollie's bills. Kept me informed.

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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