Nationwide | Pet Insurance Review

4.8

out of 5

Number of reviews 21,410

As the largest provider of pet health insurance in the U.S., Nationwide currently insures over 600,000 dogs, cats, birds and exotic pets for medical conditions related to illnesses, injuries accidents and wellness care. Learn more about Nationwide’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
1

out of 5

POSTED: | BY: Yay

Worst insurance ever

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!!!!
1

out of 5

POSTED: | BY: Denise

THE WORST PET INSURANCE EVER !!!

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!!!!!!!
1

out of 5

POSTED: | BY: Rudy

Really really really bad

Here is how FAST this company (Nationwide Pet Insurance) response to your claim: - Please allow approximately seven days, from the time of submission, for your claim to appear. - If the status of a claim changes, the new status will be updated within 48 hours. - It took 30 days to review my claim (medical record). They will find every way to refuse to pay you the reimbursement.
1

out of 5

POSTED: | BY: Nicole

Total scam

They can call just about anything a pre-existing condition and refuse to pay. Don't bother.
1

out of 5

POSTED: | BY: George Mack

Stay away from Nationwide!!!

This firm is little more than rip-offs. They deny most every claim. This then requires you to call and fight for each claim you submit. Once they have sufficiently seen how disappointed you are and threaten to cancel, they reverse decision and pay some of the claim. The latest part of their scam is since we have 4 dogs, and one has passed away (of which they will not pay on euthanizing if they are over 8) they STILL took nearly $800.00 for his policy and continue to do so. We have requested that they return the money for a dog that has been deceased for months and still charge their coverage for... Looks like Nationwide has to be sued and taken to a small claims court. I can't wait for this fun to expose them for the scam artists they truly are. I will provide and update to this here.

Monthly Cost

Policies start at approximately $12 per month.

Coverage

Nationwide offers a variety of plans offering varying levels of coverage. The company’s most popular plan, Whole Pet with Wellness, offers 90% reimbursement for accident, injury, illness and wellness care, inclusive of exam fees. All Nationwide members have complimentary 24/7 access to vethelpline.

Payout Limits

Depending on the plan selected, there may be annual benefit limits or per incident benefit allowances. There is no annual limit for the company’s most popular plan, Whole Pet with Wellness.

Deductible

Annual deductibles range from $0 to $1,000. Most popular annual deductible for Whole Pet with Wellness is $250.

Age Limits

No age restriction to enroll in company’s most popular plan, Whole Pet with Wellness. Other plans may have age restrictions.

Waiting Period

14-day waiting period after application approved and payment of premium is received.

Exclusions

Pre-existing conditions are not covered on any plans (if a condition is curable, it may be eligible for review if pet remains treatment-free for at least six months). Whole Pet with Wellness covers nearly all veterinary expenses. Notable exclusions include boarding and grooming.
Since 1982, Nationwide has helped pet owners protect what matters most. As the largest provider of pet health insurance in the U.S., Nationwide currently insures over 600,000 dogs, cats, birds and exotic pets for medical conditions related to illnesses, injuries accidents and wellness care. In 2015, it introduced Whole Pet with Wellness, the only U.S. pet health insurance plan offering complete coverage for injuries, accidents, illnesses and wellness care. Policies range from nose-to-tail coverage to routine pet care plans that offer reimbursement for wellness exams and preventive treatments.

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