Nationwide | Pet Insurance Review

When our pet got cancer Nationwide claimed it was a pre-existing condition because a vet had treated the same part of the cat for an entirely different issue 1+ year earlier. The vet was dumbfounded at how they could say the 2 issues were the same. We paid thousands out of pocket to heal our furry family member. I feel like Nationwide is laughing at us, all the way to the bank with their ill gotten profits on our pain and suffering.

They look for every excuse not the cover your pet! Unless you get their insurance when your pet is a newborn and has absolutely nothing wrong with them, everything is considered a pre-existing condition not covered by them unless it is 'resolved' first. My cat has a heart murmur, likely her whole life and super common in cats, and because a murmur is not curable, no vet visits or treatments to do with the murmur or checkups for the murmur are covered. I have been paying for a service I cannot use, and they refuse to provide a refund. I do NOT recommend this insurance UNLESS you only use it for very basic services on a perfectly healthy animal with 0 conditions prior to it being born.

I cannot stress enough how absolutely frustrated I am with Nationwide. I have used them in the past and had no issues. I now am having nothing but issues. I enrolled my 2 cats in a policy several years ago. When there was a change to my CC, I forgot to notify them and the policies canceled. I re-enrolled them last year and after providing medical records, proof of vaccinations, recent physicals, etc., I heard nothing more and figured all was fine. I now know they were never enrolled stating paperwork was not received. After speaking to multiple people, they saw in fact paperwork was received and were going to expedite the policies to UW for activation. After almost 2 mos. of hearing nothing despite several follow up calls on my part, they are now saying policy has to be re-written. My cats are now 8 and no longer eligible for the comprehensive plan and would not have coverage for medical/accident services. I am so angry and frustrated. Today's call sent me over the edge. I was told I could not be transferred to the supervisor that was supposedly working my case. I was told she'd call me back, but I know that won't happen. I am usually very patient and calm having been in CS but this goes beyond my limits! 0/10 do not recommend.

Nationwide has really made it possible for me to take the best possible care of my elderly cat. This year alone I have been reimbursed around $2800 for $3300 worth of pet care. I pay about $100 month, so I have been more than repaid for my investment. When I go in to order tests or medication for her, I do it confidently, knowing that Nationwide will reimburse fairly and promptly. They have a service that deposits the refund directly into your account. I have never had a problem with getting services or prescriptions reimbursed that were covered by the plan. When animals are young, it's easy to think that insurance is an expensive luxury, but as they grow older and need more intensive care, insurance is critical.

I would give them 0 stars if that was an option... They put caps on all their coverage.So make sure you read what is covered and their wellness coverage is abhorrent even though they charge a premium for it