I really wish I would have done more research before getting insurance from Nationwide. My dog has a leg injury, 2 partially torn tendons and my expenses are well over $3000. Nationwide said they would only pay $575 which is the max benefit for this condition. Well I looked up the fine print on the policy and that is what it says. However, just the x-rays and ultrasound were close to $1000. So all Nationwide is paying for is to diagnose the problem. They refused to pay for any of the treatment to get my dog better which included injections and physical therapy. I feel that their refusal to pay for my dog's treatment is extremely unethical. I wrote letters and of course got only a form letter back saying that's what the policy says. So now I will be getting insurance from a company with no claim limits. So beware and do thorough research before getting insurance.