Nationwide | Pet Insurance Review

This is a warning from a member with 4 pets over 10+ years I have been a menber with Nationwide pet insurance when it used to be VPI pet insurance. I had a plan that was grandfathered in which was 90% covered with no CAP (this means no matter the treatment they covered the full cost) They tried to push me out by raising the cost the that plan year after year so I played ball with them and dropped it down to 70% covered with no CAP. They always stress to insure the animal since they were a puppy or kitten so everything can be covered through their life without any exempt. So this year they decided to write me that they are canceling my policy becuase the cost to them are too high to cover his plan even though they havent offered this plan in over 7 years and I was grandfathered in. I was told they will move me to the 70% plan and a 10k cap so if my animals had any thing serious over 10k i had to put the money up. Or other wise I can go kick rocks. Even though I have been paying over 10 years of premiums for 4 animals and they were so selfesh and could wait maybe another 5 years until all the grandfathered customer fur babies passed and crossed the rainbow bridge. Instead this $60.3 billion dollar in sales for 2024 company decided to be selfish and not cover and honor the pet plans they gave customers. Its really sad and disgusting that they used the phrase they are loosing money as an excuse to hurt theese animals. I will say over the past 10 years nationwide has been amazing with quick payouts and customer service. But that dose not fix how they handled this selfish situation.

Stephanie called me on her own to be sure I had gotten my payment from when I called in a couple of weeks ago. I still hadn't received my payment on three claims, and she went above and beyond calling me back the following day to walk me through how to set up auto payment in receiving to my checking account. Stephanie is absolutely exceptional and is a very positive asset to Nationwide. You don't get this kind of service anymore. Keep up the fantastic work Stephanie, I really appreciate you.

Sadly, our 4 year old golden retriever was diagnosed with Lymphoma. Total vet bill is going to exceed 14K. Nationwide’s annual ceiling limit 5K. Rip off beware of these scammers.

So my dog she is 12 years old now. It was originally VPI "veterinarians pet insurance" when we rescued her at 2 months old. They were great for the very small claims anything under two $300 they will cover me before 40% of it. However 2 years ago she had major surgery which cost $8,700 to remove bladder stones at the animal hospital so it was an emergency. Submit all the claims and all Nationwide covered was $895. Of course I called them several times after that and submitted the paperwork several times however nothing else was done so I bit the bullet cuz I love my dog very much and I paid out of my pocket $7700. Okay so 2 years now she needs her gallbladder removed. And of course the surgery is $7,600 at the animal hospital and again contact Nationwide and $895 again. So even though I have the middle tier I asked them what if I had the best insurance through them which is the higher tier how much would you have covered? $1,900 was the response. I said to them what surgery do you see that cost $1,900. Listen I'll expect them to cover everything of course but even if they were covered half of this I would have found that acceptable. Now at this point I cannot afford this so eventually she is going to die. Of course getting her gallbladder removed we can of course hopefully pray that we get several more years out of her. Even the surgeon and everyone else says they should be covering at least 80%, however so this is why I want to write this review please stay away from Nationwide regardless of what it is pet insurance home insurance car insurance anything from them they are definitely not on your side. You have no idea how upset I am cuz now we're talking about a life over money. I'll leave it at that.

I was offered Pet insurance through my company. well, don't waste your time. I have 2 dogs and 1 cat I insured them all. I made a claim on our 2 year old Giant schnauzer and it was denied, He had one testicle that did not descend and our local veterinary clinic stated he needed surgery to remove the testicle and Nationwide would not cover it. They stated Neutering was not covered. Well we had no intention on neutering him . well we never got reimbursed for that. then in November he got a stick stuck in his mouth he needed to be rushed to an emergency clinic and the clinic needed to but him to sleep to remove the stick , Nationwide also refused to pay for that stating, the clinic did not itemize the bill. I called the clinic and asked for it to be itemized and the clinic sent me the exact same form. when I spoke to a representative from Nationwide they said they needed it itemized I asked if they could call the clinic. The representative I spoke to just did not seem like they wanted to go out of their way to do anything for a paying customer. needless to say 2 claims both rejected. I think it was time to cancel our policy. Please don't waste your money on Nationwide