I love the coverage that Nationwide Pet Insurance provides. We originally had VPI then stayed with it when it became Nationwide. We have no complaints on the amount of money that is paid to us when a claim is filed and we have met the deductible. I do with wish claims were processed in a more timely manner as on average it takes 4 weeks. I also wish they had various deductibles that you could chose from instead of the $250 deductible. Other than those two issues, we are very happy with our Nationwide Pet Insurance. I have in the past contacted customer service and they were great resolving my issue. Yes, I am a "real" Nationwide customer.