Nationwide | Pet Insurance Review

Has been with Nationwide since my dog was a puppy. Have been paying $55 a month. Year one my puppy had a problem with her leg (ligament). Was told after the fact it was not covered first year. Now, that my dog is 5, tried to file a claim for well care and vaccinations ( i had a plan that is supposed to cover sick and wellness) c just to find out my plan had expired. When i called they told me that i have not paid for over a year although they had my current credit card on file and i was enrolled in automatic payments. They told me then my policy could not be reactivated and i had to re-apply. They requested my dog’s medical records in order to issue new policy, which i provided because i just had an annual checkup which I didn’t get reimbursed for. A week later got an email saying my dog was not eligible for coverage because her ALT was elevated ( liver enzymes), which my doctor told me we need not work about unless they are constantly elevated or keep going up. Nationwide is not on your side. I was so fed up with this, applied for another insurance and was immediately accepted for a lot less.

Nationwide is so much better than the previous insurance I had for YEARS. They are quick to respond and clear with their explanations to any concerns. I didn't realize it was renewal time and thought something was wrong. It was quickly explained and all is well. Thank you Nationwide for taking care of my babies too.

Very disappointed with this company. Submitted a claim for a ruptured anal gland and dental work. Pretty basic. On their website it says claims take about 2 weeks. We are going well over 30 days now. I get a letter that about an allergy shot my dog had and how a pre existing condition. I just read another review about them getting the same letter!! Has nothing to do with his surgery. I will be reporting them to the BBB. Im convinced they will find any excuses not to pay a claim.

Started a new policy. Contract language states that any prior issue that has been treated in the past 6mo-1yr will be considered a pre-existing condition. However, they marked a minor muscle contusion from 2 years prior that had no reoccurrence or continued care as a pre-existing condition. When I resubmitted medical records (which they already had) to have it removed, they added SIX MORE pre-existing conditions for things like allergies because he had one instance more than 2 years ago of a skin irritation. They then followed up with this gem: "New relevant medical records or related novel medical information received after this review may lead to the identification of additional noted pre-existing conditions." TLDR; "Fine, we'll remove this pre-existing condition that should have never been entered in the first place by our own rules, but we're going to add six more so take that." Absolutely garbage practices. They're really leaning into "We're here to make money, not help you."

I have Nationwide Pet Insurance. I recently (July 2023) had to spend over $1,000 on my 17 yo cat. I got $200 back. I spend $117 a month on pet insurance. Not worth it. Planning on changing companies this month. Other insurance plans out there (even for a 17 yo cat!) that are comparable that let you pick deductible and how much you are reimbursed.