Nationwide | Pet Insurance Review

I've had Nationwide insurance for 4 months now for my dog under the Whole Pet with Wellness plan. I chose the plan because it was the cheapest option which covered basic wellness and catastrophes. Most insurances only cover one or the other. But I am dissatisfied with the insurance so far for the following reasons: 1) The insurance is supposed to cover routine dental cleanings. So I got my dogs teeth cleaned and the claim for the entire dental bill was denied under the reasoning that the dogs tartar was a pre-existing condition. It was a basic cleaning with no extractions. Still fighting this. 2) They take forever to review you claim. They say the max wait time is 30 days and you can look forward to waiting the max period every claim. Heaven forbid they have to ask you for more info... it goes onto another 30 days after you supply the info. They could potentially just keep asking for more info and never pay you a cent. I've got over $1000 in vet bills I had to pay out of pocket and have been waiting for Nationwide to pay for going on 4 months now. This is unacceptable. Will most likely cancel the policy early.

Who new Trident gum was toxic to pets, I did not until my chiweenie Gracie got into it. My Chiweenie Gracie ate some Trident gum, I was not certain if it was toxic so the 1st thing I did was call the FREE 24 vet helpline that is provided with my insurance. I was advised to get to the hospital immediately as it is toxic and they even gave me a case number for the vet to call. Gracie did need to stay overnight and my bill ended up being around $1500. Because my deductible was already met for the year with my routine benefits like flea and heartworm all my vaccine and even anal gland expression I received the full 90% reimbursement for the claim, and I got it back direct deposit into my bank account within 10 days. If you are a pet parent like me, Nationwide pet is the only insurance company that is all inclusive and worth every cent I pay them.

My dog is four years old and was recently diagnosed with a heart defect. Nationwide won't cover it because it is a congenital defect. It is not breed specific and we had no idea he had it. He has been insured since he was 6 months old. Nationwide blows!

It is a scam insurance ever. I was offered by my new employer to switch from my pet insurance that I have been happy with for 8 years. I was hesitating, but the sales of Nationwide insurance convinced me that it would be a smooth transition and as long as my dog does not have any chronic preexisting conditions that she has been medically treated or diagnosed before I should have no issues with any of my routine visits and incidents. Well all of that was a big lie !!!! I took my senior dog to a routine care vet appointment as she was due for some vaccinations and a senior panel blood test. And then did multiple other routine care tests as it was All supposed to be covered and included in my policy. As a result: First, Nationwide took over 2 months to process the claim and then after I had to get a manager involved to expedite the process, they denied with an excuse it was a preexisting condition. Never mind that my dog had no treatments before nor been to the doctor for past 2.5 year and in great shape. The reason they said it was pre-existing, as I mentioned to the doctor that I am noticing some walking pattern change and she had fat deposit growth but no treatment was done for that and needed. Which is a normal patient doctor conversation on the routine visits. But Nationwide decided to use that as a medical conclusion of preexisting conditions and denied all of the claims made. So totaled to about $500-$600. Also the routine dental that was supposed to be covered, they did not cover as well as the doctor wrote in the chart as they were cleaning the teeth there was some tar. Ha ha.! If you would not have tar why would you even clean the teeth in the first place!!!??? As the Nationwide manger explained to me, that since she had it before doing to the doctor, it preexisting. Which means anytime you do to the doctor with your pet, it will be pre-existing as the pet shows the symptoms before the visit. But isn’t why you would go to the doctor in the first place???? So everything they sell is a pure lie and a scam!!! Don’t fall for it and lose so much money as I did!!!!

NATIONWIDE IS THE WORST PET INSURANCE EVER !!!! You have to read between the lines of their policy. They are very deceiving. My poor dog needs surgery that will cost $4,300 but Nationwide will only reimbursement me $155 !!!! What is the point of paying $58 a month for insurance for your pet if you are only going to be reimbursed $155 for surgery? PLUS, 2 managers told me there is nothing else they can do for my pet. How inconsiderate and heartless. Stay away from Nationwide!!!!!!!