Nationwide | Pet Insurance Review

Folks should pay close attention to what the company will pay per incident and compare that amount to monthly premiums. This isn't much of an issue when your pet is young and healthy. However, when your pet is older and premiums rise you will likely find that the amount you pay in premiums is much greater than the amount the company is willing to reimburse. For example, my dog is almost 13 years old and was recently diagnosed with congestive heart failure because of a heart murmur. My insurance is currently $95 per month and VPI is only willing to pay $294 total for this type of illness.

I have had both my chichuauas insured with nationwide formally vpi I am so wanting to change insurance co but no one will insure one of my dogs because she has been diagnosed with ibs is there anyone out there I can call

I had an 8 year old cat with reoccurring but undiagnosed problems. I spent several thousand of dollars over approximately two-three years on every possible test/remedy you could think of. XRays, Ultrasounds, Bloodwork, Science Diet Food, Allergy testing, etc. Fortunately for me, I had VPI pet insurance and I was fairly promptly reimbursed for the appropriate percentage of my vet bill (based on my selected plan & options). I have had 99 problems, but VPI was not one. *The above experience was circa 2011-2014. I have a new cat now (age 5), and i still have VPI insurance, but fortunately I have not had to use it at all in the last 3+ years.

I got this insurance when I first got my puppy 11 years ago. It was my understanding that they would pay 90% of any health bills that came in. I didn't need the insurance until he got diabetes two months ago, then pancreatitis. Here's the deal, there is a "set limit" on what they will pay for a certain illness every year and then THAT'S IT, your on your own til next year. So for the diabetes, they paid $400 after deducting $50 as a deductible, then 90% of the rest. He went into the hospital as an emergency case. The bills totaled over $7,000 when adding everything he had wrong with him the past two months, and I only got $1,300 for everything. Before this, I rarely took my dog in for any illnesses. Now that he is older, he needs the insurance. I pay close to $70 per month in premiums and is only going higher as he gets older. I figured I paid over $6,000 in premiums over the years. The only thing that is worth a darn is the cancer rider I purchased with both my dogs. When one dog got cancer, VPI paid out about $6,500 leaving me with a bill of $11,000 when she died.

I have had two of my cats enrolled for about 3 years, and then I added my new kitten and dog a year later. I've never had to lean on them until this year when my kitten became suddenly severely ill- diagnosed with flutd and then getting two urinary obstruction within a week of each other, requiring hospitalization both times. we racked up a $2,000 bill but I made the decision to treat him because he was young, healthy otherwise, and because I had pet insurance who I thought I could depend on during this stressful time in my life. after his second blockage he required a surgery that redirects his urethra so that he never is at risk of a blockage again. something you'd think an insurance company would prefer because then they won't have to reimburse for another hospitalization should he obstruct again. unfortunately, I'm still editing to be reimbursed from the first hospitalization and it's been over a month. I just got a letter stating that they require another 30 days to process my claim. why? I submitted all of the necessary invoices, letters from the vet, and his full medical history, showing that he's never had so much as a cough since kitten hood. so, I'm $6,000 in the hole, my payments for his care are due, and I've been left high and dry by the company I thought I could rely on when it mattered. Guess I just gave you all of this premium money for free, eh? I've cancelled all of my other animals policies and decided to put the monthly premium into a savings account in case of emergency... after I make the payments toward his unpaid bills, of course. you just can't rely on anyone else but yourself these days. I'm so upset at the money I wasted and the lack of compassion or support when I call.