Nationwide | Pet Insurance Review

Slow claims process. Expect weeks for initial claim and then many more week for appeal. Pay out percentages are horrible. Cannot use it in first 12 months. They deny everything for a myriad of reasons. Expect them to drag their feet and request more paper work. After a 6 month claim process with multiple claim disputes and their various reasons for denying (mostly requesting more info). They finally denied saying it happened in first 12 months of coverage. Why didn't they say that in month 1? This is all under the high dollar $70 a month plan. Horrible company. Very disappointed.

VPI has a schedule of what they will pay for individual services/conditions. It is not much compared to what you are charged if you have a major event with your pet. We switched to Trupanion. They pay 90% after the deductible (per illness/incident) minus office visit charge.

Great service in a timely manner. Thanks Mei Li is doing great !

We purchased the "surperior" plan for our 2 year old lab who passed away at 14 about 3 months ago. In her life she had her spleen removed, bloat, and twice fought cancer. When we filed claims with VPI they consistently were refused, or paid (for example) $500 on a $5000 claim. This insurance barely paid what we paid on a monthly basis, and was very expensive (we were paying $83 per month at one point). I understand they changed their plans, but they have competition now, don't they. They consistently found reasons to ask for more information and records which is a hassle. Fortunately we could afford the best for our dog regardless of this lousy sham of insurance...but not so for everyone, which is why is such a travesty.

VPI is very quick to reimburse and reasonable about what they will and won't pay for. The phone reps have always been helpful too. I would gladly pay $50 per month if it means I will get back over $1000 in vet bills.