Nationwide | Pet Insurance Review

So far all my claims which is about four have been paid quickly. No complaints, I do wish I had more of an idea of what the limits if any are.

I was very nervous about the amount that would be reimbursed on my latest insurance claim for my collie Reese and am very happy to report that it was above my expectations. I have the 2nd best plan with Nationwide and so far it has been phenomenal

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.