Coco's annual well dog checkup revealed she had a thyroid issue and the vet started her treatment. She then acquired a skin condition and had to be treated. That was cleared up with twice weekly anti-bacteria shampoo baths. She then acquired an ear infection and is now recovering from it thanks to once daily ear wash and ear drops. Through it all Nationwide has responded to each charge from the vet with their promised 90% return. I have recommended Nationwide Pet Insurance to most of my friends that have pets.