Nationwide | Pet Insurance Review

My GSD started to limp a little over a holiday weekend which quickly got worse. i had thought he had sprained his leg but then he developed a fever. the vets thought he had lyme disease. his rbc coint was low and his spleen was enlarged. he was in the hospital 1 day and 1 night. the vets put him on antibiotics and ran tests for infectious disease and did a biopsy of his spleen. he however started bleeding internally overnight ( from biopsy ) and we lost him. the tests came back AFTER he was already gone which showed he had a hystiocystic sarcoma of the spleen which i understand is not covered but so the entire 2700 bill was denied. i dont think this is fair. i could understand if once diagnosis was made any further treatment would be on me but not before that point. what was i supposed to do. euthanise him when it could have been lyme disease? he was only 6. no prior injuries or illnesses. have been paying insurance since he was 8 weeks old

Beware of their definition of "incident". My dog went into surgery to have her spleen and tumor removed. Simple surgery, out the next day. Estimate of $4,500. While in surgery they found an ulcer had perorated her intestines and she had major surgery that caused her to be in ICU for 8 days. One had nothing to do with the other. Then the results came back that the tumor was cancer so then chemo started. All three situations are considered "one episode" with a max benefit of $4,500 for a total cost of close to $25,000. But if I had the spleen removed, had them sew her back up, discharge next day, and then readmitted then that would have been considered another episode. That is cruel. So think good and hard. If you were like me I was looking for something that would help cover the extreme situations and have Bella's best interest at heart. This is not the company to choose. My last $750 bill for chemo and ultrasound I was reimbursed thirty nine cents. I am reporting them to the PA Insurance board.

Didn't do ANYTHING for my dog because what he had started before he was covered so what? All his exams were after.BULLSHIT. My dog is dead and all they could do was say how sorry they were. FUCK YOU VETERINARY PET INSUARNCE. Waste of my money and time.

Easy to file a claim and reimbursed quickly (within 2 to 3 weeks after they receive the claim). I recommend VPI and will get again for our two new puppies when they arrive. My dog Max was covered since he was 7 months to the day he died at over 14 yrs old this March 2015. His coverage was the Superior Plan with Cancer Endorsement plus CareGuard Core Coverage with no medical exclusions. This year's cost was about $81 a month. Yes, it was on the expensive side but I wanted to be covered for the major expenses. I think when I first got it over 13 years ago it was $40 per month. His last bill was over 1,300 and VPI paid over $900. Through the years, when I did remember to file a claim, VPI reimbursed me about 30% to 50% for routine vet visit and medicine because I added the CareGuard Core Coverage. I simply faxed them the pre-filled Claim form which I could get anytime from their web site with the receipt and details of the bill I paid. I never had a problem. There's no time limit on when you can file a claim. I filed the last claim two months after I paid it. They even canceled the coverage when they saw Max had died without me having to tell them. If I had to name one improvement they could do, it would be for more details about my policy such as my monthly cost on their website. However, whenever I had a question about my policy, I could call them or email them and the response was quick.

Covered around 90-95% of vet bills for my dog's fractured leg!! Had to go to 2 different vets and most of the bills were covered including $500 of the $700 X-ray bill and almost the entire $1100 bill for the actual tibial fracture repair and the subsequent follow up visits!! Definitely was surprised by the amount they did cover and would highly recommend them to anyone looking for pet insurance!!