Nationwide | Pet Insurance Review

Excellent, couldn't ask for more.

Had for 8 years. First major medical claim, and got reimbursed for 50%. Like other reviewers stated use outdated numbers. Said my dogs surgery should cost $1200. Told them give me the name of one vet in the U.S.A. that will do a torn ACL surgery for $1200. Was told they are not allowed to give out the information.

Have had VPI since Rio was a pup. He has been healthy and no need to see the Vet other than his regular checkups. On his senior checkup at 7 yrs old, vet discovers that his liver functions were high. Had to run several blood draws, fasting and two hours after eating. Has had an ultra sound of the liver to determine if he had cancer. Thankfully, he doesn't. Now they want to do a liver biopsy which is scaring me a bit. Anyhow, I have spent over $1350 the past 8 months, on specialists, tests, medicines and the like. Received back $1018 in paid claims. All claims were paid within two weeks. I love their website and their online claims. Have recommended the company to many of my family and friends and will continue recommending them. Great company to work with. Knowledgeable customer service agents clarifying what is and what is not covered. We have Major Medical.

I submitted one claim for $609.37 for an emergency in March. I received $189.81. The next claim was $816.00 also an emergency in June and I received $51.76. With both emergency visits I paid $1183.80 while VPI paid $241.57. I have had my cat insured for about 9 years. I am not pleased that more was not covered. I thought that this was what I had insurance for especially emergencies.

Schedule upon which they base payments is dated 2008. Many exclusions. They refuse to give pre-certification for a treatment or procedure. Overall very expensive and many exclusions. I've had for over 15 yrs. Am switching this month to another carrier. VPI is now connected with Nationwide Insur.