Nationwide | Pet Insurance Review

I am happy to have Nationwide insurance, and am happy with thr coverage. An opportunity for improvement is to pay claims more quickly, right now this is very slow

I was very skeptical at first. I saw a lot... A LOT of bad reviews. So many people said they never answer, they take forever, all these things that sounded like red flags...but these reviews were all over the place for every insurer, so I figured with a big name like Nationwide, they would be the safest bet. I was right. So, I think I figured it out. As long as you are organized, they are organized. Every claim I send has my dog's name, claim #, date, and the "why." It's in the subject line, the file name, the email, everywhere. I have a sneeeeeaking suspicion that a lot of the people telling everyone their insurer stinks is also doing things like sending them a PDF called "untitled1" with a "no subject" email with no other details, ya feel me?

The coverage seemed clear - stated deductible and 90% reimbursement, but communication on what would be covered has been really poor. I called to see if a dental cleaning for a particular amount would be covered @ 90% since my deductible was met, and was told it was. Two weeks after my claim was submitted, I was told it could take up to two weeks to process my claim, and they would not be able to tell me whether or not it was covered until then. When I explained I was told when I called before the treatment that it was covered, I was just checking on reimbursement, the person I spoke with said they never pre-authorize, and I never should have been told that. So now I spent nearly $1000 out of pocket for an optional dental cleaning, that may or may not be covered. Horrible, misleading, inconsistent communication. I've never heard of ANY medical insurance of ANY kind where you couldn't find out BEFORE you had any service how much would be covered. Worse yet, that I the person I spoke with before said it was covered, and only after I went out of pocket someone else tells me it may not be.

Claim information was vague. Now it's hard to get back to the vet to get more information to get claims processed. The technical diagnosis, well there isn't one for a puncture on the paw pad, at least my vet didn't put one. I still have a couple of claims like this. I get off same time as doctor closes.

I have been with this company approximately 5 years and every claim has been handled promptly and fairly. Thank you for always caring for Mailo!