Nationwide | Pet Insurance Review

4.8

out of 5

Number of reviews 25,488

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: Constance

Great coverage but deductible varies significantly by location

The coverage once the deductible is paid is very comprehensive with the exception of what Nationwide has deemed "pre-existing" even if it is a condition like a parasite that may be a new infestation versus a prior one. That said, at least a thorough explanation was provided in that instance and since then the coverage for all medical care, prescriptions, tests, dental work and even nail trimming is very comprehensive. They have improved their handling of claim payments by adding direct deposit thru Chase payments, and timing of payments is reasonably good. The only aspect of coverage that is unclear to me is the difference in deductibles between locations - in particular, two major metropolitan cities. For Boston area, the annual deductible is $250, yet for the same plan and same breed the deductible in Los Angeles is $100. That is not insignificant, especially when we have 2 dogs on Nationwide plans.
5

out of 5

POSTED: | BY: kelly

Great company, that care about people's pets.

I have recommended your company to many people, because it's a great company.
5

out of 5

POSTED: | BY: Sean

Great Coverage

Had to get my kitty her vaccinations and really appreciate the coverage provided. Would highly recommend.
5

out of 5

POSTED: | BY: Wilda

Great Service

Very good, prompt in handling claims.
5

out of 5

POSTED: | BY: Evelyn

Difficult to deal with

I have found you very difficult to deal with. Casper had surgery in August which you have yet to reimburse for along with followup visits. You asked for more information which was sent and you still have not responded. When I tried to insure my other dog last year and unbeknownst to me she had bone cancer, you accused me of a pre-existing condition. There was no prior vet visits for this condition even after I sent you all the files. My other dog is now insured with Trupanion who are much easier to deal with. You can be sure that if I get another dog, Nationwide will not be the insurance company I will go to.

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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