Nationwide Pet Insurance Reviews

I've been with Nationwide since 2018. I am glad I have this insurance for Bella, just like humans, they also need to be protected. They are the best with claims and answering the phone with knowledgeable reps who are also polite.

Excellent customer service. Expensive coverage but well worth the investment peace of mind. Have been with Nationwide for 20 years as VIP and later on Nationwide Had every one of my dogs covered with Nationwide at birth.

As much as I hate to, I'm giving Nationwide a 1 Star Review DESPITE my experience with them being very good throughout the years I had my pet insurance policy with them. At the time of this review My policy is up for renewal in two days and I will not be renewing, I have switched to a company called Prudent, and we'll see how things work with that company. Nationwide discontinued Whole Pet With Wellness in 2021, and at the time the grandfathered those of us who had the policy prior to 2021 in, and promised they would never take the policy away as long as we keep renewing, and keep paid on the policy every year.

It makes me feel great knowing that I have my furry friends insured, and Nationwide Pet Insurance has been a breeze to work with. I just had to take my dog (short haired yellow lab) in due to "out of blue" he started vomiting, and would not stop - every 1/2 hr or so, I took him to my vet, they were able to give him 2 shots that stopped the vomiting - and after lab tests, etc my bill was $491.00 - I submitted my bill and will be getting a check back for 403.00. Their portal makes it super simple to submit invoices. I recommend them 100%!!!!

I am very pleased with Nationwide Pet Insurance claim process. They have a very intuitive website as well as helpful, by phone assistance. I have been with Nation Wide for over four years for my animal.

It is 7 years I have Nationwide pet insurance for my rabbits. All over the years, they an unbelievable increase of the price from $11 to $70-80 a month, especially for old rabbits with $250 annual deductible, but the annual refund for everything (except wellness) was 70% of the veterinarian invoice until $10.000 per year. Well, now Nationwide replaced this policy with a very poor one: only 50% of the veterinarian invoice until $3000 annual refund for illness but they kept $250 deductible. On this way they will penalize small/exotic pet to prioritize dogs and cats. With this big change, people will be discouraged to adopt an exotic pet from a shelter. Very very sad and disappointed!

Very easy to upload claim. Quick response in processing claim and paying claim. Can use all our efforts and energy for caring for our Bailey who had surgery after a torn CCL in her rear leg. I am so glad we purchased this insurance when she was a puppy.

I cannot say enough good things about Nationwide Pet Insurance. They have been a consistent source of support for me and my dog, who truly means the world to me. Recently, she needed a life-saving surgery, and without Nationwide, I would not have been able to afford it. Thanks to their coverage and care, she was able to get the treatment she needed, and I still get to enjoy every precious moment with her. Having pet insurance is one thing, but having a company that truly stands behind you during your most difficult times is another—and Nationwide has done exactly that for me. I am extremely thankful for this company and what they do for pet owners and their beloved companions. They’ve made a huge difference in our lives, and I wholeheartedly recommend them to anyone considering pet insurance. From the bottom of my heart - Thank you!!!

At first, Nationwide provided the best coverage option for the lowest price. Everything has gone well over the past 5 years that I'm with them. However, now they are increasing their premiums to almost double what I used to pay. The animal hospital made an error on the amount of the invoice they emailed me, and I was automatically accused of fraud. Since then, everything is a fight to get approved (even prescription food that my dog has taken for almost all 5 years). They've become so unprofessional and now a complete rip-off. A year ago, I would have recommended Nationwide to everyone, and I have recommended many in the past. But now, I say anyone is better off elsewhere. You can save money and get treated better.

Nationwide has made filing a claim easy and the paperless option allows for compensation to be delivered quickly. I highly recommend them for your pet needs. They have different coverage options that fit any needs. I have been with them for ten plus years and recommend them to all my pet loving friends.

I bought Pet Insurance hoping that I would never need it but my Princess has had quite a few health issues that I was very thankful for Nationwide Pet Insurance. I have found that submitting my invoices has been exceptionally easy and your payment response has been incredibly fast. I recommend your insurance to pet owners. Just to say I have been very happy with Nationwide Pet Insurance.

Nationwide is an insurance that I highly recommended at one point for pet coverage! The plan I had I was grandfathered in and they weren't offering again! Now they have removed it from us also! Not ok

Nationwide would have received a 5 star review from us, had it not been for our most recent experience with this Company. At a time in our pet’s life when we needed financial protection the most, the dropped our plan…. Our pet has been covered by Nationwide for 9 years (since a pup/the only carrier that we have ever used). We have been loyal customers. He began having some medical issues in recent years. These were expensive yes, but we never abused the coverage. Not only was the cost of our comprehensive coverage increased, but the Company sent us a notice that they no longer would write our existing plan and instead offered us a “less expensive “ plan with notably reduced coverage benefits.

Purchase pet insurance immediately when we brought home our rescue. The coverage is excellent, claims are processed quickly, money is sent directly to our bank account and the customer service team is courteous and helpful. The added benefit of Vet services 24 hours came into play and was amazing!! It gives us peace of mind knowing our pet is protected 24/7. Highly recommend Nationwide.

I have had a good experience with Claim processing, but the cost of the insurance has increased astronomically. 20% increases every year has made it unaffordable, so I will now need to drop it and any other insurance I get now will list everything will be listed as pre existing.

I started out with VPI (which eventually became Nationwide) in 1993 - 32 years ago. I have insured 5 dogs and my son has insured 4 dogs with them. I have recommended the insurance to everyone I know who owned a pet. I purchased the "Whole Pet with Wellness Plan" for my dog when I got her at 1 yr old. She is now 12 yrs old. It was expensive - last year's premium was $4522.59 - but you get what you pay for. I had the $250.00 deductible with 10% co-pay. They have always covered everything and I had money in my account within 4 to 5 business days. I received a non-renewal letter when the policy was about to renew. The "replacement policy" is an absolute joke! You "CAN BE" reimbursed "UP TO" 50% for "ELIGIBLE" expenses.. "CAN BE"? Maybe, could be, we'll see? "UP TO 50%"? 20%, 30%, 10% who's deciding? "ELIGIBLE"? Sounds extremely ambiguous to me!

Nationwide Pet Insurance is an excellent product that I recommend frequently. It's also something that you hope you will never need. My plan covers his vaccines, checkups, illnesses and injuries at 90% after a $250 annual deductible. There are other plans to suit different needs, You never plan on catastrophic illness or injury, but that is what happened to us. The day before he turned 3, I learned that Henry, my Labrador/Husky, likely had osteosarcoma. Tests eventually came back positive and he required an amputation and ongoing chemotherapy.

I would give Nationwide 0 stars. I have had my babies insured for over 8 years. Promised my Whole Pet with Wellness would not be cancelled. Now they have downgraded from 90% unlimited after 250 deductible down to 3,000 limit for illness. I have a cat who has been insured since he was 10 weeks old. He is now 6 and has IBD which he will have the rest of his life. Prescription food of only $100 a year is now covered. That is one bag of food. One. Stay far away from Nationwide. They don't care about your pet or their promises. Unethical.

Roxy is undergoing Chemotherapy for cancer. Her having such a responsive insurance provider has been vital to our managing the cost of treatment. The 90 percent coverage with the whole health wellness plan is simply fantastic. Thank you for such quick processing and handling of our claims.

I have coverage for my 3 dogs. The eldest Piggy, has Nationwide whole pet and wellness insurance. It is amazing and I'm so glad I got it when my puppy was brought home. She is now 9 years old. So glad she is always protected with insurance.

The claim processing procedure online is very easy. You fill out a short form, attach your vet bill and you usually receive your refund within a week. There have been times I have received a refund in a couple days. Nationwide offers great insurance coverage for all 3 of my dogs. I am very happy with them.

I truly wish I could leave negative stars. My sweet little dog is in advanced heart disease and has multiple ER visits a year, along with tons of vet appointments and medications. After raising the cost astronomically every year for the past 7 years, they are now canceling his insurance and giving me insurance that barely covers anything. Late-stage capitalism wins again. I'm so sick of this country and if I didn't love my niece and nephews so much, I'd be gone. I have no choice but to accept their terrible replacement insurance because he is 12 with preexisting conditions. I'll be cancelling ALL of my other Nationwide policies. Not that there is such thing as ethical, user-prioritized insurance of any kind in this god-forsaken country, but at least it will be satisfying to cancel my auto, home, and renters!

Was good until this year (2025) where they increased premiums by 40%, reduced reimbursement level by 10% and completely stopped covering my 12 year old dog's prescriptions pet food with no other options for coverage other than cancelling the plan. I would not recommend this to anyone.

I am totally disgusted with Nationwide Insurance overall. We’ve had five dogs on nationwide insurance over the past 20 years and after all of this time I get a letter canceling Halia’s insurance effective September. I understand to no longer offer a specific plane however to cancel a customer after 20 years of payment on multiple dogs is horrible business. Our two newest pups are on a different plan due to you no longer offering the plan our other 5 dogs are on but to outright cancel us is terrible. I will be sharing with everyone that asks us about pet insurance not promise nationwide you're not a customer you're a number.

Heartless and cruel. I had three dogs, all insured by Nationwide. I lost Lucy two weeks ago after three days of hospitalization. All my insurance refunds have gone back to my bank. Always. Nationwide directly refunded my bank for 7/22 and 7/24 hospitalizations, but for the 7/23 hospitalization they decided to issue me a physical check. That was 7/28; it’s now 8/13. So unless they sent it by carrier pigeon they didn’t send it at all. And I’m due over $500 for that day’s hospitalization.

I am very grateful to have this insurance to help with my cats' care. Making sure they stay well is a high priority. When they are not well and when the bill comes, the stress can compound the situation, but knowing that I have Nationwide to help, is a relief. The plans are accommodating and the claim process is easier for them than for my own!

I have had Nationwide Pet insurance for three years. Very disappointed, the Pet Insurance pays little and goes up every year. It’s going to up almost $300 this year. When I really needed it only paid $600 of a $1700 bill. Not worth it in my opinion.

🚨 Attention Pet Owners! 🚨. Beware of Nationwide Pet Insurance. After nine years of loyalty, consistently paying my premiums in full, Nationwide abruptly eliminated my policy—with no option to grandfather it in. Despite my long-term commitment, they offered no meaningful alternatives or consideration for existing customers. Instead, they’re now pushing a “modular” plan that sounds flexible but is far less comprehensive. Coverage is fragmented, and many essential treatments and services are either excluded or come at an extra cost. It’s a downgrade disguised as an upgrade. If you're shopping for pet insurance, read the fine print carefully. Loyalty doesn’t seem to matter, and you could end up with a plan that leaves your pet vulnerable when they need care the most. 🐾 Protect your pets. Protect your wallet. PetInsurance #NationwideWarning #ReadTheFinePrint #PetCareMatters

I’m so very thankful I have my pets covered by Nationwide. The process of submitting a claim is very easy and the turnaround time is always prompt. Ciara had some unexpected problems found on her routine visit, so her follow up care may start to get pricey. Insurance is definitely worth it!!

This company’s customer service and communication is awful. I had them for 6 years and they did not communicate a problem with my account that caused the loss of my insurance right at the moment I needed it most. I spend thousands of dollars over the years for coverage for them to not provide the services needed. Please find a different company and avoid this one.

Great service! The process is very easy to follow and Nationwide’s handling of each claim is quick and efficient and accurate. I am disappointed that we are losing our current coverage, but we are still staying a Nationwide customer, just with a different type of policy for our kitty. It’s just too bad that times require such a huge amount to be charged for medication and doctor services that it gets to the point where the annual premium outweighs any possible benefit.

Roxy is an 8 year old Dachshund. I purchased her pet insurance from Nationwide, immediately once bringing her home at 8 weeks of age. The service has been amazing. Frankly, the monthly installments were more than other options, but because I felt the coverage would be worth it, I signed her up. Since May of this year, Roxy has had some serious medical issues.

We have been customers since 2008 when they were VSP. Needless to say they have always been great with all our needs and have a quick response to claims. It’s super easy to upload claims and the turnaround is usually 2-3 days which is fantastic. If I had a complaint it would be that the yearly premiums are a little high. But totally worth it for peace of mind.

So I LOVED how easy it has been to submit a claim but I can no longer give a positive review due to your coverage change and I also heard of you suddenly dropping clients from coverage because their dog is too old. I am going to switch to another pet insurance plan that will get me better annual coverage. I am sad and unhappy with your choice of Modular insurance going forward.

Received my renewal today and the premium increased from $315 to $444 a year. That’s a 40 percent increase. When I called customer service and asked why so much I received a rude condescending answer. "Your dog is 1 year older and prices have gone up." No kidding. But they haven’t gone up 40 percent. He then says, "Shall I renew using your credit card on file?" I told him I’ll wait and shop around. All I heard was the click on my phone when he hung up. Steer clear of this greedy company.

I have had Nationwide Pet Insurance for over 10 years, covering my current and previous dog and never had a negative experience. Claims are reimbursed quickly, often received within a few days and my copays are minimal. It please me not having to deny my friend any treatment due to cost. Nationwide is the best in the pet insurance industry.

Nationwide Pet Insurance has been FANTASTIC! It has been a lifesaver for my dogs & provided me with peace of mind. Ease of claims submission, quick reimbursement & direct deposited to my bank account. Highly recommend! Thank you for providing coverage for my dogs whom I consider family & love so much!

We have had a fabulous experience with Nationwide Pet Insurance. They are prompt with their reimbursements and give clear, concise explanations of benefits. We wouldn't have known what to do (financially) without them, especially when our son's Service Dog needed TPLO surgery, had a subsequent bone infection, and had to have the surgery redone. Our only negative experience was when they discontinued the plan we had for 6 years and did not grandfather us in, thereby reducing our benefits significantly.

I have had pet insurance with Nationwide for years and it has been a very positive experience. They handle claims quickly and efficiently. I highly recommend them and am very happy with my pet’s policies. I also have peace of mind knowing that I can make the best decisions for my pets’ health with the insurance in place and that feeling is priceless.

We have been having this insurance for years and never looked at any other insurance. Exceptional coverage! Great customer service. This insurance is going to be one of the best choices you will make to keep your furry baby or babies protected throughout the years.

I always have a very good experience with Nationwide. I have been with Nationwide pet insurance since my dog was a puppy, now he is 9 years old. Also the submit the claim refund very fast. They are the best!!!

I have been very happy with my pet insurance for my two dogs and two cats. They are easy to file a claim and keep you updated. I gave 4 stars only because the premium keeps going up and for four animals it is getting a bit pricey.

We have been Nationwide Pet insurance customers for almost 11 years, covering our large breed dogs, and I cannot say enough positive things about the coverage and the service we have received. Nationwide covered multiple major surgeries for our senior German Shepherd dog quickly, getting us the money in days, with no hassle and nothing more than uploading the detailed invoice from the vet’s office. There was never any need for additional paperwork or pre-approval. Claims are super simple to file online, and the reimbursement comes through in usually less than 3 business days (which is much appreciated after spending $12,000 on MRIs and spinal surgery!)

The reimbursement rate is excellent and they are quick to review most claims and reimburse me rather quickly. I set up for direct deposit which makes getting your money faster and safely. I would definitely recommend Nationwide to family and friends.

They don't cover much. My dog had diarrhea and bled all over the kitchen floor. He was diagnosed with a blood clotting disease that the doctor said was life-threatening. They did multiple tests over two days. Nationwide paid $350 for that diagnosis-- just over 10% of the cost. Leaving them as soon as I can. I got insurance because I didn't want to be afraid to take my dog to the vet. This is not acceptable.

I switched to Met Life and they waived pre-existing conditions after Nationwide cancelled and lowered coverage limits for 100,000 policies including mine! I had Nationwide for years and they were paying claims which was well worth it, but because I made too many claims, they black balled some of my pets and cut coverage to 50%, shady! Also, they “lost” over $4K of my claims they didn’t pay. I had to be proactive to get them to pay after submitting multiple claims while my dog was dealing with cancer treatments. They were good but got worse. Typical Corporate America. If you get a cancellation or coverage reduction notice before renewal, you want to switch to Met Life, make sure your policy stays in force with Nationwide when getting coverage with MetLife because they will waive pre-existing as long as the Nationwide policy is in effect when you switch to the new provider. Met Life is the only one that will waive pre-existing claims.

I’ve been a Nationwide pet insurance customer since 2014. Over the years, I’ve only needed the insurance for routine wellness visits and exams — nothing major. I set up autopay early on so that payments would be consistent and on time, and I never missed a payment. Recently, I noticed that payments were no longer being withdrawn. When I logged into my account, I was shocked to discover that my policy had expired. I immediately called Nationwide for clarification. The representative told me that my plan was discontinued because it was an older policy. I was never notified. When I asked why I wasn’t informed — via email, phone call, or even a text — the only answer I received was that they sent a letter. I never received it. I pressed further, asking why there was no follow-up when they clearly had multiple ways to contact me, and the representative had no response.

I started covering my dogs with Veterinary Pet Insurance (VPI), which was subsequently bought by Nationwide. Although my experience in the past was positive, which is why I continued with Nationwide when I brought home my last puppy 12 years ago, they have turned into a company that takes money but does not cover real-life expenses. They are quick to pay, but what they pay is nearly nothing.

Nationwide Pet Insurance has proven to be an enormous waste of time, energy, and money. I’ve been working on the same claim issue since January—it’s now June—and despite over five separate phone calls, I still don’t have a resolution. Every time I call, I’m given a different answer, and I’m left with more confusion and zero accountability from their representatives.

I have had nothing but horrible experiences working with Nationwide. Everything sounds like a good deal, but they don’t actually help cover anything. Why am I paying all of this money if you won’t help me for wanting to take care of my pets? Do not sign up with them.

I got my pup on Nationwide's Pet Insurance when she was about 6 months old. When she was about 6 years old or so she was diagnosed with IBD. Nationwide was great at first. Then they rejected a claim so I called and the woman I spoke with had an attitude. Next thing I know IBD claims for my pup were getting denied for "pre-existing condition". That was false as she didn't have it for the first 6 years of her life. I had to jump thru hoops, get all her vet records, get statements from her vet and the specialist she sees. Nationwide finally determined it was not a pre-existing condition and started paying the claims again.

I signed up for Nationwide's pet insurance thinking that it's Nationwide... They're a good insurance company. Well, they may be a good CAR insurance company, but they are a HORRIBLE PET insurance company. I got my dog from a friend whose mother passed away on Mother's day two years ago. I took him to the vet for his shots and so forth and then decided to sign up for their pet insurance. I had the top of the line insurance and was paying $125 a month. My deductible was only $250n with unlimited annual payout. I chose the plan where they would reimburse me 70% of the cost of vet services. I paid a vet bill that was $400 or something around that, they reimbursed me only $100. My dog had an ear infection, they said it was preexisting. He had an ear infection one other time which was 3 years ago.

Absolutely fraudulent. My cat had VIRAL gastroenteritis. They rejected my claim for his care stating that because he had "anxiety and soft stool" documented in his first wellness exam 6 MONTHS EARLIER, that he had a "pre-existing condition." Neither of those things would put him at risk for contracting a virus in the future. I asked about who made this determination and what their medical credentials were and they refused to answer my question. Do not use this company.

The worst - been paying top dollar for years. Just informed that my plan is being eliminated and now I will have to apply as an outsider for a new plan and, because my dogs are old, they won't get full coverage. Oh, and no pre-existing conditions. HIGHWAY ROBBERY. This is not a trustworthy group.

When I first got VPI pet insurance from Nationwide, I was a fan. I had been with them for 13 years until this month. Despite paying 125-150 a month for each dog, my 10 year old became too expensive to cover in my state, and plan cancelled last month. Funny thing is I have another dog (1year old) in same house. However they can cover him with similar plan. Why not offer that option to my 10 year old that you have made close to 10k off? Scummy business practice and decided to cancel the insurance as it became more of scam. They found ways to not pay for a bunch.

Carried insurance with Nationwide for several years, as they were supposed to be "one of the best". Nationwide listed a pre-existing condition my pet does not and has never had on the policy for an extremely broad term which would exclude a huge number of unrelated issues, due to an isolated incident. Followed all requirements and processes to have the pre-existing condition reviewed and removed, including all vet records going back years, far surpassing the 6-month requirement proving the condition is non-existent and never existed.

If I could give them zero I would. Made a hasty decision to switch from good long term policy due to rate increase and my friend’s recommendation. Not only did the sales rep mislead me on the significantly less coverage but when I complained they suddenly had a better plan available like my previous. I was instructed to cancel and apply again. After weeks of waiting with no coverage and no return calls, another rep said a letter was coming as that is the main form of communication. They were asking for additional vet exams and tests which I paid for and sent over. The exact same bad service experience happened again after weeks of waiting with no coverage and no return calls, another rep said they would not be covering any policy with no explanation even though I just cancelled theirs. So went online and ordered Pumpkin Pet.

Nationwide is beyond appalling! I just received correspondence from them regarding my two cats I have insured with them since they were 7 weeks old. It was enough they kept increasing the premiums far more than expected every year until last year when they doubled them but now they went back on their word, which is just sad and very bad business. They told me I won't be grandfathered in to the plan they are discontinuing (whole wellness) after telling me last year that would definitely not happen.

I've been a customer since 2005. I reached out to request a change to the policy as a result of a life event beyond my control in which I escalated my complaint to Customer Relations, Dillon and they still said NO, that it was not within the renewal period. My policy is $241.75 per month, which I did not want to cancel for my 16 year old Yorkshire Terrier. Morale of the story....if a company doesn't allow you to make changes due to circumstances beyond your control, I no longer want to do business with them especially after being a loyal customer for 20 years.

Nationwide Pet Insurance doubled the cost of my pet insurance from $90 per month to an astounding $183 per month and continued to charge my credit card on file, which I had authorized only for $90 per month. Their reasoning was that I should have read the renewal letter mailed to me, informing me of the cost increase. A courtesy phone call would have been appreciated, especially when the cost increase is more than 50%! I called them and spoke to a manager. Unfortunately, no refund was offered, and I was not permitted to reduce my coverage due to a set renewal period that only allows plan changes at specific times.

Expensive but have been there for us. Easy payback. 90% coverage. Dog had hip replacement at 1 year no coverage about $10000. Nationwide ever since. This year payments doubled so we went down to 50%.

If I could give zero stars I would. We have been loyal customers for 16 years, covering 4 dogs through their lifetimes. We've never missed a payment and haven't ever complained about rising premiums, even when they recently increased to near $300 per month for our last dog. Nationwide just notified us that they're not renewing the policy for our 15 year old dog out of the blue. They said they no longer "offer the product" (my whole pet insurance policy), but I talked to their customer grievance department and she said they're cancelling every dog over the age of 15. This is age discrimination and should be illegal. My last dog is left without coverage when she needs it most and is too old to obtain coverage elsewhere at her age.

Just awful - was excited to finally get my work's affordable pet insurance through Nationwide for my cat. My cat is very healthy and rarely needs to go to the vet at all, but I figured just in case it would be good to have. Well, my very first claim was rejected. The person on the phone said that now anything behavioral will be viewed as an pre-existing condition because one time he got stressed before and was briefly on **. So the wildfires in LA causing pets to freak out and become stressed is due to a pre-existing condition? Really, environmental stressors are not a pre-existing condition! What a terrible company.

Signed up through work to get a pet insurance policy for my puppy of 1 year only to be told that they would not be covering anything that may be considered allergies because he has an ear infection at 6 months old which supposedly made allergies a pre-existing condition. Because of this they denied my claim of an ER visit for bad diarrhea. Don't waste your money, better off just saving $20 a paycheck in a Jar at home.

Stay away from these guys. I had two 5 YO Shih Tzus and they doubled my premium from 600 to 1200 each when the policy year restarted. I had no major claims during the year. They are predatory. I asked them to quote a cheaper policy and they told me they wouldn’t do so until I paid the old policy at the higher rate. Needless to say, I left them and went to a different carrier.

For more than 2 years now Nationwide, their Pet Insurance org in particular, have been wildly unreliable and damaging. I just recently found out through my own diligence that my policy was not renewed again, for the 2nd year in a row. They claim they sent me something, but I have no record of anything and considering the disaster they put me through for the 2023-2024 policy renewal, you'd think they would've followed through with a better experience to protect my pet. Currently I have no pet insurance and Nationwide simply does not care. They refuse to do what's right and restore the policy WHICH I'M PAYING FOR and have always paid in full. This is a disgusting display of negligence and an irresponsible level of callous negligence towards a responsible pet owner.

We own an english bulldog and our pet insurance was affordable early on only to balloon to $253 per month and having to increase our deductible. When our dog was hospitalized with vestibular disease and we submitted all medical docs they only reimbursed us $635 from a $ 6350.00 bill. What a complete rip off and joke. Stay away from this insurance company. Put $50 -$100 in an interest bearing account and you will have more to work with and cover your cost. We struggled giving 1 star but it was our only option.

I would rate less than 1 star if I could. Had the policy for over a year. Nothing ever was applied to the deductible and my several requests asking why were unanswered, don’t bother with email support. For a simple claim, they might as well require a photo of that days newspaper, 15 years of records for your 3 year old pet, hair and nail clippings as well as DNA evidence from the date you make your claim, and six months to pretend to be processing your claim while you foot the bill before rejecting it. Incredible waste of time and money.

After having Nationwide Pet Insurance for 6 years with my current pet and have used them since they took over VPI for other pets, at a cost of $70 a month and (I am a senior on Social Security and thought I was protecting my pet) only using my Wellness benefit for years my dog needed a liver lobectomy. The cost of the surgery was close to $7,000 and they covered $1400. BUYER BEWARE. They make you jump through hoops and have claims re reviewed. Not worth it. They are not the company they used to be and they definitely are not ON YOUR SIDE.. I’ll be looking for a percentage based pet insurance. They are a SCAM!!!!

People on the phone are nice, but the underwriters have gone out of their way to deny a claim based on preexisting conditions. My dog had a preexisting condition of roundworm that caused him to vomit; he was treated and recovered. Since purchasing the policy, he got sick and vomited due to a completely different illness and diagnosis. Nevertheless, Nationwide refused to pay the claim because he had vomited due to the preexisting condition of the roundworm. So, beware because they will take a general symptom, like vomiting, that can indicate various illnesses and apply it to any illness if it allows them to deny your claim based on a pre-existing condition. It's unethical.

They won’t actually cover anything. I’ve been totally scammed by them. They also come up with ridiculous ‘pre existing conditions’ based on non-evidence that you have to go through a whole process to get reviewed and overturned. And it’s all a waste of time, they will fight to keep every penny.

Incredibly disappointed in Nationwide. I started with Nationwide six years ago when I was working for a company that offered pet insurance through them. I have since left the company but stayed with Nationwide because they had done such a great job covering my pet. My costs went up incrementally each year but I was fine with that. This past year, my plan went from $140 a month to $260 with no notice other than the usual auto-renewal. I called because I was positive it was a mistake but nope. Cancelled my policy and found another one with more coverage at a fraction of the cost. It's really a shame because I was hoping they were better than that.

I got Nationwide per insurance when my dog was a puppy after he broke his leg when he was 4 months. I was concerned that he would have bone issues 'cause this had never happen with any of my other pets. Thank god I did 'cause we had a ACL then his meniscus also had to have his ACL hardware removed then a year later was diagnosed with arthritis in his front leg. He also was receiving allergy shot to help him throw the summer months.

Before my coverage was effective, my dog had clear ocular discharge. I did not realize that watery eyes would cause denial of any future eye claims for my dog as it was a pre-existing condition. If you think about getting Nationwide, don’t take your puppy to the Veterinarian until your policy is effective otherwise you will be screwed for the rest of your pet’s life. I was told that my policy excludes conditions consistent with signs or symptoms that my pet displayed prior to the policy effective date, whether or not the condition was discovered, diagnosed or treated. They will do anything to not have to pay you. They basically told me that an appeal would not do me any good. Make sure that you do your research before using Nationwide. They are only about money and finding a way to not have to pay your claim. I am beyond disappointed with them!!!!

I have been with Nationwide for years, insuring multiple dogs. I don't know if they have changed leadership in the last year or what happened, but their customer service is now awful. They sent me a letter telling me they will no longer offer the plan I have for 2 dogs when my plan expires. They didn't even invite me to call them to go over other plans that I may want to buy. I called them a month before my plan was to expire and they told me I can't just transfer my coverage to another plan, but that I have to re-apply, including a 2 week waiting period. I was ok with that, so I continued. Then, they sent me a request for documentation of my dog's complete medical history including doctor notes from all vets my dogs have seen. Ok, I said. I call my vet and they sent me the records I requested and I forwarded them to Nationwide.

I signed up for Nationwide Pet insurance through my employer. They covered absolutely nothing. I have a puppy with no preexisting conditions. They wanted medical records from a year prior, he didn't exist a year prior! Absolutely a waste of time and money.

I would put NO stars if I could!! Whatever you do DO NOT get Nationwide pet insurance!!!! They have a loophole for EVERYTHING your dog could possible have that they will NOT cover!!! Just because I went to the vet when she was 3 months old and happen to mention she was a bit phlegmy they RAN with that and said she had Brachycephalic Syndrome pre-existing condition. There was NO formal diagnosis from any vet to definitively say that is what she had! Then I submitted yet another claim and it was also NOT covered because she when she was 3 months they THINK she had a UTI and then at 8 months was diagnosed with bacterial vaginitis. So they considered those the same and clumped them both under bacterial vaginitis and thus said NOPE pre-existing!

We purchased Nationwide pet insurance immediately after getting our dog. We have had various vet visits for vaccines and other minor issues and net net, the insurance coverage in the first 6 months were nowhere near the premiums (somewhat expected, insurance is a business after all). Then came the bomb: our puppy was diagnosed with bilateral elbow dysplasia and required a $6,000 surgery. Nationwide covered precisely ZERO even though the policy was in force well before any diagnosis. The fine print reads that genetic diseases are not covered within the first 12 policy months. In hindsight, that is crazy but in general, I could never recommend insurance coverage that doesn’t cover large, unforeseen events. Overall my assessment is that this is a sketchy company.

We got a Lhasa Apso puppy in July of 2022 and had her insured at 8 weeks old as it was a new benefit offering through my husband's work. Everything was fine for the first 2 years but the renewal we received this year after she turned 3 dropped her coverage to 50% with the same deductible and same rate from 90% coverage. When I called to ask what happened and what we could do to mitigate the drop the agent I spoke to was extremely smug and almost seemed proud of the fact that we had no real option to make changes because the problems our dog has that will require costly meds and ongoing specialty vet visits would be "pre existing conditions" if we tried to change policies or companies. Our next dog will be insured elsewhere.

They started out with a reasonable monthly rate of 32 a month each for my 2 dogs. They raised the rates a little each year. Now that they are 7 years old, they raised the rates a whopping 46%. I see now that they collect from you for 6 years, and when the dogs get a certain age, they slam you with such a huge hike that people on a fixed income like me, that can't afford such a hike, end up cancelling. They figure that got all your money for 5 or 6 years when the dogs are less likely to need it, and they hope you cancel when the dogs are at higher risk. Beware of this company. I should have saved all the premiums instead of giving it to these rip offs. And their website don't even work to let you ask about it.

STAY AWAY!!!! ZERO STAR SHOULD BE AN OPTION!! They do not cover anything! My dog needed a surgery to remove a mass and they will only reimburse $300 of the $2500 amount that I paid. Patrick told me in August I would be reimbursed !00% since I met my deductible. Today Denise said the policy only allows a certain amount and that my policy packet should outline that. I have no policy packet and that is not available online. She said she was going to email it to me and it was a link to their website that is very general. They sold me a bag of goods and let me to believe I was buying a policy that they apparently do not even offer. I will not be renewing ESPECIALLY after reading all the recent reviews about how much of a scam they are. There are so many other companies out there. It's 100% time to make the move elsewhere.

Our 8-year-old German Shepherd mix has been enrolled with Nationwide Whole Pet with Wellness since we adopted her at three months old from the shelter. She was dropped yesterday, September 16th 2024. Both my husband and I have severe physical disabilities, and we had to make heartbreaking decisions when a prior pet was diagnosed with Kidney Disease. We had to do less than we thought ideal for our beloved pet due to the competing costs of vet care and healthcare for ourselves. Never wanting to be faced with needing to make heartbreaking decisions again, we did extensive research on pet insurance to ensure we would always be able to care for our future pets.

Well, I’m in CA and I just received my new Nationwide Pet Insurance premium notice for next year starting on Nov 1. I am currently paying $1,143/yr and have been with them for 10 years. It has creeped up a bit over the years from about $700/yr to $1100/yr but when I opened the renewal notice I just about died. My new premium is $4,588/yr. My dog, a West Highland White Terrier, is now 13 years old, very healthy, but 13. I find this more than outrageous. That is a 400% increase. If you are looking for any kind of insurance I would definitely not give them your business.

If I could give them negative stars, I would. I switched to Nationwide Pet Insurance through my new job, even though I had no issues with my previous insurer, Metlife. I enrolled my healthy and happy 2-year-old Yorkshire Terrier, but soon ran into major problems. A couple of months after filing my first claim for a vet visit due to vomiting and diarrhea, I started receiving vague messages on the Nationwide platform asking for additional paperwork without specifying what was needed. I had already provided a full health history from my vet and checked online regularly, but the claim remained pending with no clear updates. There were no emails, phone calls, or letters with specific requests—nothing at all.

After being with them since 2018 they sent cancellation notice after paying $214 a MONTH. Now leaving my senior dog with pre-existing conditions uninsurable. This is disgusting and by no way are "They on your side". No loyalty to the ones that have been with them for years and throwing away your fur baby like they're trash.

I am heartbroken and disgusted by Nationwide's recent actions. For seven years, since my dog was a puppy, I faithfully paid my premiums. When Nationwide abruptly discontinued my policy without offering an alternative, I was forced to reapply. They then rejected my dog due to pre-existing conditions (arthritis), leaving me with no coverage and no options. Even worse, I can't even find another insurance company that will cover Freyja now. Either they reject her outright because of her pre-existing condition, or they offer coverage that specifically excludes anything related to it. This is exactly why I started her on insurance early – to protect her and myself if these things happened.

Be very aware when purchasing that their plans do not actually cover wellness/preventative measures. They advertise them as doing so, but they do not. Everything they showed me PRIOR to my purchasing the insurance showed wellness coverage, and yet the first time I submitted anything it was denied for such. The problem here is two fold. One, the advertising is clearly designed around giving people the impression their coverage DOES include wellness/preventative care, the way any kind of typical health insurance would. Two, health coverage that doesn't cover preventative care is essentially just paying the money you would spend in preventative care to an insurance company in the hope of never having the thing you are trying to prevent... On top of paying for the preventative care anyway. It's terrible policy and should be avoided.

This company is going to knowingly kill tens, if not hundreds, of thousands of animals. Their current policy change will tear families apart and cause people to have to rehome their pet or put them down because they can't afford emergency surgery. Absolutely disgusting.

Intentional Fraud/False Advertising/Material Misrepresentation. Do not trust this company, my Agent made false statements and promises about my policy to make his sale. He promised me 100% coverage on my pet with zero exclusions and claimed that “No matter what happened to my pet it would be covered” back over 3 years ago when I first purchased my policy. I had a $1,500 surgery on my dog and they covered only $16!!

How can ANY company survive with such horrible reviews? The level of incompetence at this company, at every level, is shocking. They keep asking for records they should have asked for before and are demanding records from before we got the dog...who we found wandering on the road. They said we needed those records or they could not process the claim. I asked them if they wanted me set up a call with our dog and they refused. This smells of a scam. Over 530 reviews and the VAST majority are negative. What does that tell you?

From the beginning questions and discussion with the person on the phone to the handling of our first claim has been a nightmare!!! We have the emergency plan only; nothing for wellcare. The person on the phone is a big talker and has been doing this for 10 years etc. etc. yet the attention to detail is awful. My dogs names were misspelled. Birthdates were not accurate (therefore changing the cost) and the medical records submitted were misplaced. I have 3 dogs and they filed them all under one dog.

After 9 years of paying a premium, and now when we need it most, they send a letter to discontinue our coverage. Give me my money back then so I can pay for chemo. Unbelievable, and disgusting. Shame on them.

I used to like them when it was VPI. I’d been a customer for nearly 10 years. However they’ve been terrible lately. My 4 cats were insured for over a year. Then my wallet got stolen and my payments were on auto payment with one of credit cards that paid the policies with was canceled. This resulted in a lapse of payment. When I tried to reinstate the insurance, I had to set up brand new policies. Now they want a physical exam for each of my 4 cats. I provided the exam for one and it’s still processing and it’s been over 6 months. It got stuck in underwriting. They keep requesting documentation that doesn’t exist.

I have paid Nationwide a collective $1312 for pet insurance. I've gotten maybe $200 back in claims. Very little is actually covered. They claim to have prescription discounts, but it's inconveniently only through Walmart and Sam's, and you may or may not get something. Every time I try to call them I have to talk to a robot to verify my zip code. Which always says my zip code is wrong. So every time I have to talk to them I have to call sales like I want to set up an account. They get snoody because I don't want to buy something, but it's the only way I can talk to them.

I have been with Nationwide Pet Insurance for 6 years. We have a dog and 5 cats. A few of my animals have pre-existing conditions. Nationwide Pet Insurance decided to drop us as policyholders because they were doing away with a certain policy that my animals have. They didn't even give us the option to go with a different policy. Instead they just dropped us. My 1 cat has pancreatitis, IBD and diabetes. No other insurance that we go to will take pre-existing conditions. Nationwide is not on your side. If they can cancel pet insurance policies, they can do the same thing to your auto insurance and your homeowner's insurance.

I have had NW for over 20 years with 2 different dogs. My current service dog, 7 year old Standard Poodle BIANCA ROSE. I received a letter of NON RENEWAL for Aug 15. My premiums have always been paid on time. Their reason was economic impact. I was told She would be GRANDFATHERED even though they discontinued The Whole Wellness. Well they lied. She has an Hepatic Liver and now no one will cover pre existing conditions. I am retired and on Social Security. They are the only insurance company that is doing this. SHAME ON THEM. I would give a 0 if I could. DO NOT GO TO NATIONWIDE. THEY ARE NOT ON YOUR SIDE!!!

After having Nationwide policy for our two dogs for 8 years, ever since they came home as puppies, and paying for their highest premium plans, they just sent us a “non-renewal” policy, effectively dumping us with no warning. We went with them because we trusted that Nationwide would stick with us. Now no insurance would cover a pre-existing condition in an 8 year-old dog, and they know it, but it is no longer their problem. In my opinion, this is highly irresponsible and takes advantage of people. I would never recommend them to anyone.

I would give zero if I could! My pup and I have been with Nationwide for 8 years. My premium started at $79.00 a month and the rates did rise yearly, as expected. My bill last month was $181.00. This month is was $319.00. That is an increase of 76%!!! I called customer service and they said because they do not offer that plan to people anymore and the rates reflect that. So they are pricing me out of my grandfathered plan with $100.00 deductible. Not good business. After 8 years you have lost my business and my trust. Shame on you Nationwide.

Do not get this insurance! We canceled over the phone only to discover they were still charging us. They won’t reimburse us so we are out 950.00. They are a scam for doing this to us. We called and they said they had no record which is unbelievable because we had a full conversation when they told us the monthly rate would be almost tripled. Why would we pay for two pet insurances at same time?

This Pet Insurance underwriters and claims staff are Incompetent. I am an insurance adjuster. This plan charged premiums monthly since April of 2023. Paid our labs claims from April to December 2023. Then requested Medical Records for simple Prescription refills and has not paid Any claims since Nov 2023. The weekly calls were to rude staff who more less questioned my integrity. Our veterinarian submitted medical records and wrote notes. See our lab had originally been diagnosed as Diabetic the same week we signed up for this plan. He was towards the week the policy went into effect for blood test & dermatitis. Those were the Only diagnoses listed on their policy as pre existing. We understood that.

Nationwide has doubled the rates for all my pets. When I called them out about it, the representative indicated I needed to lower my standards of service to get a better rate. Are you kidding me?? Picking Nationwide was my low standard apparently. Now I'll take my pets in for everything under the sun to get what I paid into this insurance and then get the heck out. There are much better services and coverage out there. Truly a disappointment.

Buyer beware. I purchased wellness coverage from Nationwide for my dog, who was 2 at the time. 8 years later, after raising my premium every year, they have informed me that they are reducing my coverage from 90% of eligible expenses down to 50%. When I called, very upset, they said that "utilization of the coverage" was a factor in the reduction - meaning, I used the insurance that I have been paying for and was penalized for it. Now my dog is 10 and has medical conditions that will make it difficult for me to get other coverage. But I will do everything I can to not give them another penny. I have referred my friends to them and have given them glowing reviews, but they are just as money hungry and heartless as other insurance companies.

I've had Nationwide for 6 years now and do not find them to be the best policy out there. Their claims take exceptionally long to be reviewed (sometimes over 30 days) and they tend to deny claims for reasons other than what my dogs diagnosis was, which causes me to have to file a review of my claim and only delays the payment process further. Ironic since they have no problem charging me every month for their services. I would switch carriers now if my dog wasn't 6, but I don't want to have issues with switching at his age. I will never get Nationwide again for any of my pets. I've been extremely dissatisfied with them.

Buyer beware. I had Nationwide for over 10 years from 2012 through 2022 and they were pretty good. Now I have another puppy that I started coverage on when he was 8 weeks old and Nationwide does not cover anything. All the explanations that I get from them is that there are clauses in the policy that, according to Nationwide, eliminates just about everything from coverage now. Your premiums are a total waste of money.

I have been a Nationwide Pet Insurance customer since they acquired petinsurance.com in 2009. We've been paying a premium for the Whole Pet plan for our dogs for a very long time. We received a letter in the mail telling us that they're canceling the Whole Pet policy. Just like that. They're not offering any other options. They're not offering to transfer my boys to a different policy. Just ditching my dogs and me, a long-time loyal customer. The biggest issue is pre-existing conditions. We started our policies when our pups were just 8 weeks old and didn't have any pre-existing conditions. Now one of my boys is almost 8... anything in his record will be viewed as a pre-existing condition. So... nationwide is just ditching us and leaving us with no options. Not cool.

I have had Nationwide Pet Insurance for 5 different pets since 2016. Every year they have raised my premium on all of my pets' policies, some even going up over 100% a year. I have kept paying it and not complained because if anything happens to my pets I will have peace of mind and be able to do everything in my power to take care of them. I have never missed a payment on any policy. I work in veterinary medicine and have sung Nationwide's praises to clients.

We've had Nationwide pet coverage for our 2 pets for 8 months now, and in that time, they have covered exactly $0 of our pets' medical expenses across several claims. We reviewed our plan documents and EOBs over and over, and what they covered was not clear at all. I am not exaggerating when I say that they coded every single thing we submitted a claim for as "not covered". We are still wondering what we could have possibly had done that would have been covered. Awful product which covered nothing, awful documentation which provided no clarity, awful service which didn't help at all, if anything made us more confused. If Nationwide wasn't a well-recognized name, I wouldn't hesitate to call their pet insurance a scam.

I kept this policy because I had a great discount with my company. I should have listened to the warning signs I first got when they cancelled my plan with no explanation or warning whatsoever. Then they cancelled my plan again on one dog but not the other. Each time they said I received noticed but no notice ever came. And now they heighten my bill with no notice again (of course they said they did) while telling me there's nothing they can do since the window period closed. Even though I was never notified. I am just upset that I just really wanted this to work out and they keep messing it up. Please don’t get their pet insurance no matter what. It is not worth the price or hassle.

I really wish I had read these reviews before I opted-in with Nationwide. I only did it because it was offered as a benefit from my company. I have a 10-year-old cat whose only "serious" health issue was having a tooth extracted in 2020 and has had no other issues diagnosed or treated by my vet. His most recent annual checkup in November of 2023 included blood tests and a stool sample, and he was within normal parameters with everything. In January of 2024, he started losing weight. I signed up with NW in February, since with a middle-aged cat, I wasn't sure what to expect. In the meantime, I tried different food, thinking maybe he just got bored and wanted something new.

Buyer Beware!!!. When it comes to large insurance companies the only thing we have is a platform and a voice. I am very upset so here you go. Nationwide Pet Insurance (who is not on your side) has been taking my premiums for the last three years for my little dog GIGI. We were told we had the very best insurance, low deductible, and max coverage. GIGI was rushed to Davis University and had to have 2 discs in her back removed. This cost us $12,500. One day later we sent her to VEG. She had to have throat surgery as she could not breathe, the doctors said she would die if we did not do the surgery, which cost us over $18,000.

I purchased the major medical plan with wellness rider for our two kittens when we brought them home. Last weekend, our male started vomiting on Friday evening. We took him to an emergency vet; the bill was over $1400 for blood work, X-rays and meds. They suspected that a kidney stone was lodged in his urethra and transferred us to another hospital where we were told they could do the procedure (a stent). The second hospital charged us over $4800 for his care (meds, x-rays, blood work, etc.). By Sunday morning he was in kidney failure. There was no agent to talk to on Sunday to determine what would be covered. I was provided a booklet when the policy renewed, but the prices didn't seem realistic to me when comparing with what the vets were actually charging. I didn't see his procedure in the booklet at all. A kidney transplant was listed (they pay $2,500 in my state and that procedure costs $25,000 or more).

We signed up for two Pet insurance policies for our two young and healthy cats - with no pre-existing conditions. Roughly 5 months later, we took them in for a routine annual physical exam that would fall under their covered "wellness" category of the policy. The claims were denied under the grounds that wellness was not offered when we signed up - but it was 6 days after we signed up. Their website clearly stated that wellness benefits were provided in the policies that we enrolled in. They would not budge, and the best part is that the exam costs would not have filled up their deductibles for the year.

I just cancelled my Nationwide pet insurance today, I was paying $49 - $56 a month for premium plan for my cat for the last 4 years, they increased my premium to $143 a month WITHOUT even informing, they kept charging my credit card on file. When I called them they said they could not refund me because it was set to "auto payments". They did not get my consent to charge me $143 a MONTH for a CAT, and their customer service was not helpful and could care less. My cat is healthy, rarely goes to the vet and past claims I've submitted have gotten rejected because it was "preventative". Ridiculous, I will be switching to a different company, Nationwide is a scam. I will make sure I inform my friends and family to not use this company for anything. Nationwide is NOT on your side.

8 yrs ago enrolled a 9 week old cockapoo, full coverage 54.00 per month. 2024 jumped to 247.00 a month. They have been great to work with. However, most expensive in the industry. At some point when the dog is older, it may be unaffordable, when you need it most.

All but one claim submitted was refused. Had to submit more paperwork, often multiple times for most claims. Despite being "online and easy", having to go back to your vet EVERY TIME for additional paperwork and then getting rejected again makes this insurance laughable. DO NOT GET IT!!

I've had Nationwide Pet Insurance for my rabbits for about 5 years now. I'm not really sure why. They basically cover nothing, and my rabbits have had quite a few COMMON illnesses. Recently, my rabbit got e- coli. It cost me $600 in vet bills. I got absolutely nothing back because they do not cover treatment for parasites, or anything related to it. GI Stasis? They'll cover about $100, but only things directly related to it. Bunny has a clog? No, it's GI Stasis. $100, enjoy paying the other $500. Get it if you want like a 10% discount on vet bills that you can then use to pay back the insurance you're paying each month. They know what they're doing with the exceptions list, making sure you don't actually get covered.

Nationwide Pet Insurance premiums. We have carried pet insurance for our pet for the last eight years. Starting with an affordable premium cost for a premium reimbursement, emergency care and preventive healthcare pet insurance on our dog. When we first started looking for pet insurance for our pet, we did a long investigation on what is the best coverage for the price. We found that nationwide was a bait and switch in the end. We noticed our premiums were continuing to increase rapidly for insurance, we hardly ever use or used. We have always been on automatic payment, billing, for convenience.

Between my dog and cat, I’ve been paying Nationwide for about 15. I rarely and thankfully needed to use the insurance, but when I did need them, they really let me down. I needed to make a decision about a spinal surgery for my pet in the early afternoon on Christmas Eve. I understand that working on Christmas is the worst, but we’re talking about operators that can take calls from home, and surely don’t all celebrate Christmas and might like to make a little holiday pay. Nationwide thought it would be a good idea to close from the 24-26th. Like a pet can’t get sick during the holidays. They closed shop. When I really needed them. People are weighing big time health decisions for their pet against massive sums of money. Understanding what's covered by reading the policy was tricky and the stakes were high. Thanks for nothing Nationwide. What waste of money.

Terrible place to get pet insurance. I started it in Sept 2023 and never had to submit a claim until Dec 2023 when my dogs went for vaccinations and possible ear infection. I try to do all at once because it's terrible to submit a claim. Now they want a year's worth of medical records for both dogs to try and get out of paying my reimbursement. Instead of 6 to 8 days reimbursement I am told it take 30 days to look at the medical records my vet submitted yesterday 12/21/23. Ridiculous and this insurance was cheaper but through my state employment. Never again. Terrible service and spend a fortune and they don't want to pay you.

So I have an emergency for my dog and it cost 3,800. Nationwide paid only $555. These services were done in the Northern Virginia area by a respected VCA vet group. Nationwide has limits on what they will pay for each service, for ultrasound the cost was $720 and Nationwide pays $200. And then they ignore all the other costs. I feel like a fool for paying $119 premium for so long and thinking it would help. Waste of money, self insure yourself next time.

We pay 200 a month for our two Whippet Chihuahuas. Unfortunately, we have had bee stings, and a chronic pneumonia, carcinoma situation that has been covered pretty well. Nationwide has been on our side. Now, the Vet Hospital upselling and misdiagnoses is another story....

Be aware that the "Major Medical" plan is extremely limited and you have to call to see if there are other plans available to you. This isn't apparent on the sign-up page. I opted for Nationwide based on glowing personal reviews from my rescue group to insure my two dogs. On the sign up page, of the three different plan types offered by Nationwide, Major Medical was the only option shown for my older dog. I assumed that "Major Medical" would cover everything such as cancer, traumatic injuries, etc. But when my dog had a traumatic injury and cut a huge gash in his chest requiring surgery to repair the muscle, two overnight stays, and weekly follow-ups for almost two months, they only covered 20% of the total cost. He almost died from his injury, it was that bad.

My beloved cat just passed from terminal cancer and Nationwide told me they would reimburse me for euthanasia and cremation. They are deplorable and inhumane and now refuse to reimburse me for euthanasia. This is supposed to be a company that cares about animals but the public needs to be warned about them. I am a client for many years with all pets insured with them. They have overcharged me just because pets were a certain age even with no claims. Sadly with no symptoms until near the end when my beloved cat refused to eat and was suddenly having breathing problems, I found out he had terminal mouth and lung cancer. All was done right away to comfort him and to try to save him, but my cat passed in three days.

I have 2 bearded dragons and I know from having cats that I wanted insurance. Unfortunately there are not many options. Drako had a spay surgery for reproductive disease and the claim was denied as they do not cover wellness or preventative surgery. I filed an appeal with a letter from the vet stating that there was a medical need and it was recommended that she have this surgery and it was still denied as preventative. Spay surgeries for a lizard cost over $1,000 so it is definitely not preventative. Do not recommend them due to the cost of exotic vets and the chance that your claim could be rejected. Do your research before signing with them.

Only writing this review in hope that it helps others with making a decision. I originally got pet insurance for our Dog through my workplace. It was with another company and the rate was about $40 per month. Nationwide bought them out and immediately things got worse. They raised rates and said to get a better rate we had to have a high deductible. In addition, they don't want to pay claims. They find any way to NOT TO PAY CLAIMS. This company does not care about their customers or their pets. Just this month our policy renewed and they raised our monthly rate from $131 to $188. When I called to find out why, it was the age of my dog. I get it my dog is older but to raise our rate by 43% seems ludicrous. They raised it significantly every year since buying out the other company.

I have been with them since I got my 2 little dogs 7 years ago from a rescue organization to help them. I can understand that they increased by 10 - 25% of insurance each year. I was surprised that both of their insurance increased by 50% this year in their senior years and they have more health problems than younger dogs. I will not continue to insure them since they do not value me as their valuable customer. They also do not appreciate me rescuing the fragile dogs.

Rather than reading the information submitted for the claim presented for diagnosing our dog's illness, they reached back into his history to find a pre-existing condition that did not apply and denied the claim. This pet insurance product is a scam. I am sorry that our employer has chosen to offer it on a payroll deduction basis.

First time we submitted a claim, all they did was look for ways to decline claim and they finally found one. They said my dog was obese. He is a very large breed dog and the Dr said he can use to lose a little weight.

Everything from conflicting information about a check being mailed but also not…?! Refusing to reimburse or expedite reviews due to ongoing delays and requests for additional information from several sources one at a time to drag out the process. Call center agents not grasping the concept of a conversation or just blindly sticking to a scripted response. So disappointing! Please insure your pets but look elsewhere for insurance.

Biggest scam on the planet. This insurance company is awful for your pets. DO NOT GET THEM. Seriously I have never seen one company so blatantly rip off its customers. They say they cover all these wellness expenses and such but literally pay out pathetic amounts when you file a claim. All payouts are practically in the $30-50 range regardless of how expensive exams/treatments are. Way better companies that respect their customers are out there. This is not one of them.

After obtaining a policy for my Great Dane in 2020 they increased the monthly bill by 40% the following year. I was told by a representative that they hadn’t increased the rate in a while which is why it resulted in such a significant increase and that I shouldn’t expect another large bump in my rate again. Unfortunately the following renewal year the rate increased again by another 27%. Seems like nationwide lures with a reasonable rate only to increase once they have you as a customer. Very deceitful.

This is the worst company to get pet insurance. They will find any reason not to pay the claim, starting with a deductible, then asking for more and more details, when get all of this, asking for all medical records to birth, and then will still not pay. Be aware.

If they spent half the time and effort into trying to deny claims into actual work they'd be phenomenal haha. Their system is a disorganized train wreck. They ask for additional information for a claim and instead of applying that information to the claim they start a whole new claim... I went back and forth on the same claim for almost 3 months before I gave up and terminated my policy. I can't tell you how many times I waited on hold for the person to tell me that they would fix it just to see another claim started with the documentation that I submitted. My history currently has at least 10 pending claims branching off from the ONE that I submitted. I even drove to Columbus to try to get help and they just gave me the email address of someone in California who blew off.

I paid a fraction of the $7,000 it would cost for my dog's knee surgeries. The claim process was easy. I'm shocked by others' reviews. Yes, it takes a few weeks but that's why you use a credit card in emergencies. They even covered claims that were 2 years old. Every time I call, they are super nice and answer my questions thoroughly. I pay for the premium insurance. Always get details on what the insurance covers.

Updated on 07/15/2023: I gave Nationwide Pet Insurance one star in a previous review. Since then, just this past week, the Review Claim I sent to their branch in Brea, CA ended up paying me an extra $3850 making the grand total $8100. Of course a much better outcome for me, but the initial stress caused by their original amount was unnecessary. I still owe over $2000 (my initial estimate of $9500 was too low). Nonetheless, I still would not recommend this company for pet insurance; there are better companies out there.

They keep denying claims because they want records prior to when my dog was born or before I got him. I filled out his Birthday the date I got him when I got coverage on him and they keep asking me for records for before that and denying claims yet they continue taking my monthly payments. I got the insurance right after I got him. There aren't any records especially before he was born. I filled it out I talked to them and yet they keep asking for records prior to his birth. It's not even major medical stuff. Just basic dog issues you go through. It's the most ridiculous experience I have ever encountered. Please send records for 12/1/2020 and beyond when he wasn't born until 12/28/2020 and I got him from the end of March 2021. There are no records. Very unethical because they keep taking my monthly payment when they won't cover him because records don't exist prior to his birth.

Nationwide is NOT on your side. Their pet policy is a scam. They refuse to process any claims and come up with all sorts of excuses. I want to report them to consumer services. I wish I read all the reviews on here that had the same experience I did. Avoid this insurance and save your money. Nationwide is just awful!

I signed up for Nationwide Pet Insurance in May 20 20 to start in July. I was told at that time that due to my being covered by my employer’s provisions, that I would never have my rate increase due to my dogs' age. I was told even if I left the company I would still be grandfathered in. They have raise my rates this year for my dogs' ages. I have two dogs. They raise one dog by $100 a month and the other one by $55 a month. They think they can just do whatever they want because they’re a company and we’re just individuals. I even contacted the insurance commissioner of Washington state, but no action was taken by them. Insurance companies get away with highway robbery, but Nationwide is not on your side.

I have been a loyal Nationwide Pet Insurance customer for 4 years but twice they have taken my payment information with the intention of paying my annual premium, and then they have promptly not paid my premium. After my first experience where I paid over the phone and wasn't credited with paying (finding out months later that my policy wasn't in force), I moved to an annual autopay with my credit card. This worked fine for a few years, but recently, they claim I didn't pay and my policy lapsed again. They did not notify me of this lapse. Subsequent to this, thinking I had pet insurance, my dog had spinal surgery with over $11,000 of costs. It was when I submitted these expenses as claims that I found out that my policy had lapsed. Wow! 4 years of premiums for 2 dogs and now $11,000 of expenses that I have to pay. Fraud insurance company.

I have been insuring my dog for 12 years now. We have two plans for annual care plus the other one... Last 7 months they have declined all my claims for silly reasons... and jumped my monthly cost from 120 to 190!!! It is just not worth it. We ended up 2 months ago in urgent care as my dog had a growth on him back that had appeared overnight - that was also declined...Once I sat down and calculated if it benefited me to have it for my dog (13.5 years old now) and it doesn't. It was better to have the money in saving or CD! Just saying. Today I called and wanted to cancel the service and magically their service is down.

I've been a Nationwide Customer with my dog for 10+ years. He recently underwent testing for possible kidney disease. The diagnosis phase was thousands while they ruled out other diseases to narrow it to two. I submitted claims and was informed that both "chronic illnesses" that it could possibly be each had an annual cap at under $1K. I have the "Major Medical Plan". It's criminal to say that they cover "chronic illnesses" and then cap at $1K a year. FALSE ADVERTISING! Who can get more than a few vet appointments for that amount? I would have expected a "Major Medical Plan" (the 2nd best plan) to have better coverage.

Be aware!!!! Stay away from Nationwide, do not work with Nationwide and if you do you will understand soon or later. I want to save others, they will never pay for the claims. Just save your self/money.

I was so excited when I could finally get pet insurance for my boy! My mom get it through her job, and we thought this finally meant we could get our boy right while saving money! Well, only if he were to be hit by a car or got cancer. Wellness exam? Claim denied, teeth cleaning or removal? Denied. Shots? Denied. Unprescribed meds and vitamins? Denied. Looking at the several documents and disclaimers now it says that none of this will be covered. So you’d have to buy the wellness plan also if you want things they actually need covered.

Nationwide pet insurance is definitely not a good choice! They will insure your pet and advise you the cost of your premium is not based on your dog’s age. However, as soon as your dog gets older they double premium and say one factors is due to age. Also, they will randomly submit records requests from your vet even after insuring your pet for more than 5 years looking for ways to get out of paying your claims. Also, they don’t allow any mid-term changes on policy but never put this in writing at any time. They never have your pet best interest. They are for the dollar only. Stay away!

I have been "parent" to a sweet little rescue bearded dragon for over two years, and Nationwide Pet Insurance is the only policy around that insures exotics. This thrilled me to no end because that meant that I could continue to get the very best in preventative, wellness, and/or emergency care for my girl! Little did I know that they would deny all of my claims immediately, telling me that she has metabolic bone disease, scoliosis, and hypercalcaeum based on their interpretation of her test results. She does not and never has had these and it is clearly stated her doctor's (an excellent veterinarian who has specialized in reptiles and birds for decades and whom has seen my dragon for the past 2 years) records that her high calcium levels are due to reproductive activity.

Don't get this insurance for any reason. The policy documents are confusing and deceptive. If your pet ever had a condition of any kind, it will disqualify them from any coverage in the future because they'll say that every bill is related to that condition. I got Nationwide's pet insurance plan when my cat was showing signs of age, but had not been diagnosed yet with what caused him to pass. This offering was provided through my work with additional that include euthanasia and cremation as well as illness related services. When my cat was diagnosed with cancer, I put dozens of claims through, and they took so long to be processed that he passed within 2 months, and I put in the claim for euthanasia and cremation before any of the other were completed.

My Pet had a UTI recently that should have been covered by the insurance. Every claim that was submitted so far is rejected. We basically will be better of without insurance. That is not what I signed at the beginning of the contract. They are there to collect and not to pay. DO not get it. I would like to be contacted by one of their board of directors and provide some additional information.

I wish I did more research on Pet insurance because if I did, I would not have chosen Nationwide Pet Insurance! I understand no company wants to give money away, but when you are paying for a service to be provided in time of need you should be able to utilize it. They denied every claim I submitted and after I disputed it, they made jump through hoops to get just a portion of my claim. My boy Jaws’s needed surgery in hopes that it could save his life. After submitting the claim, he had no prior illnesses, so this was not reoccurring and should have been covered. They denied it, so my vet office submitted paperwork.

I had pet insurance through Nationwide since 2014 and paid around 6k through the years for having it. I called a few months back to go over my benefits since I switched careers and had an opportunity to switch to a different company that my new employer offered at a discounted rate. I specifically asked what the maximum payout would be per year or if there was one since I could not find it on any of my documents. I was told there was no maximum and my plan would cover the needs of my pet. So I decided to stay with Nationwide since it seemed like a good deal compared to the alternatives out there. After my pet got sick and had to be hospitalized I filed the claims and they only paid out less than half of what I paid to the vet. I called to discuss the discrepancy and was told that there was in fact a maximum payout per diagnoses and they only allow a certain dollar amount to be reimbursed.

I had insurance my dog with Nationwide Pet for 8 years. They always paid the claims in approximately 48 hrs. Never had an issue with the company. Recently my Dog got cancer and I had no other choice but to let him sleep. This Insurance company after paying the ER bill, sent me card showing their condolence for my loss. I lost my best friend, but I have to thank God that he did not suffer. Thank you Nationwide Pet Insurance.

Pet insurance will do everything possible to not cover your expenses. Just a waste of money, They don't even cover vaccines and if there is any record of your pet having any problems, they will say it was a pre existing condition and will not cover anything else. Bruna.

I insured my dog with the “maximum protection plan” which looked like an incredible policy that covered everything a dog may run into. In retrospect I should have had a lawyer read the policy before signing up for it. My dog tore her ACL and I called nationwide pet insurance to get more details on how the process works and come to find out a cruciate ligament tear is not covered in the first 12 months of the plan (which is a little long but I understand why due to people getting a big vet bill and wanting to get insurance real quick to have them foot the bill) nonetheless I am most upset about how you sign up for a policy that said everything was covered up to medical conditions such as cancer, which then lulled me into a false sense of security. I felt safe knowing my dog would be okay in the event of injury or worse.

I have been paying premiums to Nationwide Pet Insurance for 12 years. I have been lucky not to have had any major illnesses for my dog. But now she's 13 and has developed liver disease. As the bills have been mounting I found out that my claims were denied because they only cover $360 a year for each disease claimed. Now, I'm paying $77/mo. and I'm only getting $360 back a year?? That does not make fiscal sense so I canceled my policy and I will just continue to pay as it is cheaper to pay for the illness than the premiums over a year's time. Read the fine print people!! This company is a SCAM! The whole point of insurance is to cover a major illness, especially in an older pet. But they don't tell you there is a cap on it. BEWARE, you have been warned!!!!

Canceled today to find a company that actually cares. Applied through my employer, provided all medical records for my dogs, confirmed no pre-existing conditions, and was told my policy would go into effect in 30 days. Well, my dog desperately needed a teeth cleaning so near the end of the 30 day period I paid for the pre-dental exam, that way once insurance kicked in I could take him in for the full cleaning immediately. Well, after insurance kicks in and I get his teeth cleaned I submit a claim for the full cleaning and they say because I got the pre-exam a few days before the activation date it qualifies as a pre-existing condition. The insurance wouldn't have covered the pre-exam anyway, that's why I paid for it and we confirmed he had no pre-existing conditions before that.

They literally ruined my entire week with the endless calls pressing me in getting a more expensive insurance by claiming my cat has a pre existing condition on FeLV. For God sake can you please check the likelihood of a kitten to have a false positive test result on FeLV tests. She had re-tested twice after that false positive and both the follow up tests were negative. We even got her the FeLV vaccination already. Even with all the facts, they insist in claiming she has FeLV and intimidated me with this preexisting condition to get me renew my old policy with them. Worst experience ever with any insurance company. It was a total waste of my time that terribly affected my work energy these days.

I signed up with Nationwide Pet 2 months ago. My dog has had previous skin infections so that was noted on the policy. I had to bring my dog to the Vets before the policy went into effect. I noted to the Dr that she had soft stools, but the main reason for the visit was another skin infection. Since the policy was not in effect yet, Nationwide informed that they will not cover gastroenteritis including vomiting, diarrhea, lethargy, loss of appetite, salivation and nausea just because I noted to the vet that she had soft stools. No medication was prescribed. The Dr also checked her gums and noted some tartar, now Nationwide also will not cover any dental treatment unless she has a dental cleaning. The vet would not do a cleaning for minor tartar. Needless to say that I cancelled my policy with them today.

I have been paying Nationwide for 10 years. They cancelled my dog's insurance policy without my knowledge and locked me out of my account so I am unable to retrieve any information. After calling customer service and speaking to multiple HORRIBLE women, they informed me they denied the claim for my dog's death because he was a brachycephalic breed however his death was due to aspiration pneumonia after anesthesia for dental surgery which had NOTHING to do with being a brachycephalic breed.

When I called them their excuse was that she died of her kidney disease so they won’t pay the bill. Yes, she died of her disease but at that moment when she took her last breath the reason was euthanasia/cremation and should NOT have anything to do with her lifelong disease. We will be looking to change our two cat’s insurance.

I found a kitten in my yard a few months ago and decided to keep her. She seemed perfectly healthy but we got Nationwide Pet Insurance right off the bat just in case she had any health problems down the road. At her first vet appointment, she was diagnosed with a heart murmur and sent for an Electrocardiogram (EKG) to determine the extent of the issue. I called Nationwide before the procedure and was told that while they cannot pre-approve procedures they thought the EKG would be covered. Fast forward 3 months later and I received the final determination from Nationwide that they will NOT cover the EKG because the heart murmur is a pre-existing condition.

My Scottie terrier died on January 19, 2022 due from cancer and being euthanized. Many tests were done for making this decision (Garrison Animal Care Clinic & Wheat Ridge Animal Hospital). Now FedEx can't use Nationwide's street address to deliver my paperwork. Nationwide will only accept PO Box address for delivery. They will not accept my paperwork going to 1800 E Imperial Hwy STE 145, Brea, CA 92821-6002. Therefore my returned paperwork at a cost of over $25 from FEDEX will be resent by me from USPS. Nationwide's website is difficult to use when you have over 25+ pages to submit. Please note neither UPS or FedEX delivers to PO Box addresses.

I've had my share of a couple issues with getting things reimbursed, but in the end the exotic plan has always been worth it. Now they got rid of that plan and switched us to something else for the renewal, and the premium skyrocketed 220%, from $80-something to over $200, with a much higher deductible. It's not often a hedgehog goes to the vet so the per-incident deductible actually made a lot more sense than a yearly one. Super upset that the one insurer out there for exotics has discontinued that plan.

We submitted a claim for our greyhound's dental, which was November 2021. They asked for all of his medical records going back to July 2020. I sent them everything I had which went back to May 2020. In May 2020, he had a dental and it was noted that he had mild gingivitis. He had another dental in December 2020, however there were no notes about ANY disease. In fact, the animal dentist told me how surprised they were at how clean his teeth were. Due to that ONE NOTE before July, he was determined to have a "pre-existing condition" so our claim for November was denied. Per the letter: "dental tartar or periodontitis" is considered a pre-existing condition. I am not sure how TARTAR is pre-existing when everyone, humans and dogs (and probably cats), gets tartar. I would never recommend Nationwide Pet Insurance to anyone.

I tried to file a claim on a pet that we lost. 6 months after the fact we get a email stating that they don't have all the medical records. They want medical records from a vet that our pet never has been to nor is anywhere near where we live. Now that I call and find out this info, I have to prove that my now deceased pet never has been to this vet. During my call to them about this, I have to write a letter attesting that I my pet has never been to this vet and then return it to them and they will send it back to the claims adjuster. I asked to speak to a someone to file a complaint and I was instructed to send them an email. This is ridiculous. I will be looking for another company to provide pet insurance.

My 5 year old Rottweiler was diagnosed with IBD in 2017. The monthly policy payment went from $131.17/month to $218.15/month for 2022 - an yearly increase of 166%. Can you imagine what that monthly cost will be by the time that the dog is 10 yoa. I am through recommending Nationwide to friends/acquaintances with pets.

I am sharing my experience with Nationwide Pet Insurance so that no one else is deceived. Bella is a dog rescued from the streets of PR. Bella’s case is very sad since her skin was stuck to the bones and she was dying slowly. I sent someone to pick her up and the veterinarian saved her. Once stable, I went to PR to pick her up and brought her to Pennsylvania. I called several insurance companies and decided to go with Nationwide when they informed me that they would cover any condition found on Bella.

I have paid them for over a year but when I finally had an emergency for my dog they invented past medical history that none of my Vets reported in order to deny my $5,000 claim. My dog had a stomach emergency, and they decided since he had diarrhea as a puppy 18 months prior that they were related. My Vet called them to explain the dog's history, but they made up another reason to deny the claim. Now I am out the insurance cost and the medical bills.

I signed up my new puppy for pet wellness plus Rider + Major Medical plan. Sales person assured me this was their top insurance. And they pay for vaccines and visits. My vet charges $90 they pay only 2 times a year each visit $30. This is a joke considering your time wasted on claim process. Not only it takes hours and few trials and fails to submit a claim. And months for them to respond back, that almost nothing is covered. It might be good for accidental injuries or major illness. For for a healthy puppy they pay next to nothing. Will definitely cancel after I find a better insurance. Nationwide should change their monologue. They are not on your side.

We have Nationwide Pet Insurance for over 10 years and we would not be without it. They are very accommodating, CS is great. At no time have we had any problems submitting in a claim and receiving reimbursement. For example our one dog, has had numerous surgeries and these claims were paid at the 90%; however, you the pet owner determine what percentage you want when enrolling in their program.

Nationwide provides no service, endless requests for “medical records” and no claims processing within 60-90 days. I work for a 75000 employee large company, and will be recommending that Nationwide pet insurance be dropped as an option. Filing a claim is ridiculously time consuming (for my admin and myself who are all pro in terms of uploading information) and is pointless, since they don’t respond or provide coverage as per their policy. If you are looking for pet insurance, please avoid Nationwide, they are definitely not on your side or that of your animal.

They will make everything possible to avoid paying you. My dog is 2 yrs old and they keep asking for "Soap" notes even there are no more notes nor history. I just cancelled this service. Waste of money.

This insurance company for pets is just a money making business. For my puppy not even one year old they reject every claim as pre existing condition. Just now I called them and canceled. Don’t fall for it and don’t waste your money and time. Just spend nicely for your pets without these unnecessary tensions.

A complete scam. They find every reason not to cover your claims. Legalese and fine print to ensure you cannot get the coverage you were promised and pay for every month. They are a total scam and never reimburse.

I spend $87/mo on a comprehensive wellness plan that rejects more than what it covers. My dog had diarrhea once before I started my plan which the vet ended up not figuring out what caused it & diagnosed it “gastroenteritis” as an umbrella diagnosis. I later learned after switching my dog’s food she was allergic to chicken and then 5 months go by with no diarrhea or issues. When I brought my dog to my parents (9 hr trip), she wasn’t really eating her food while we are there. She wasn’t having diarrhea then, but I was concerned about her not eating so I brought her to the vet. The vet did several tests - blood work to check kidneys, xray to make sure there wasn’t a foreign body, etc. The vet admitted to not knowing why she wasn’t eating because the test results were inconclusive and I believe did the umbrella diagnosis as gastroenteritis.

I purchased a policy for my 2 year old dog last year. I went with the higher option which cost me about 68.00 a month. I just received my renewal for this year - no claims - no changes - and it went up on 30.00 a month. I called customer service and their explanation was because of market changes. I said, "You're charging me more because others filed claims?" They get you in the door with a promised price then bait and switch. Needless to say, I cancelled my plan. Typical insurance - such a scam!

Started years ago when my puppy had disc disease and they refused to pay for surgery because they said it was a pre-existing foreign body condition. Now she is old and they won’t pay for her heart disease. Terrible company!!! They have low max amount I didn’t even know about.

Updated on 08/17/2021: I retracted my negative reviews because Nationwide had agreed to a reimbursement--after several weeks providing all of my dog's medical history, which showed no preexisting conditions. I'm glad Nationwide did the right thing.

My experience with Nationwide Pet Insurance has been pure hell. With the exception of one pet care representative who has been AMAZING, everything else has been insanely stressful and emotionally draining. I know what a “pre-existing condition” is. Well aware. Yet when a false condition was placed on my puppy’s account any time I called to speak with someone helpful all I ever got was 45 explanations of the definition of a preexisting condition. Talk about frustrating! I even had one of their customer service reps tell me to file a formal complaint through the state of MI. They always want your medical records yet don’t seem to care what they say. I’ve had multiple vets write very specific things that are then twisted into something else and “oops sorry that’s part of a preexisting condition” type letters start rolling in.

Nationwide is horrible pet insurance. I have 4 cats. All are healthy. Take cat 1 to the vet for a wellness exam and comprehensive checkup including blood pressure reading and blood work. Nationwide covered. Take cat 2 and 3 to the same vet for the exact same exam. Nationwide requests additional medical records and is dragging feet. Submitted records and communication is poor. Filed a complaint with state insurance commission. It is unbelievable coverage for simply wellness exam is not covered specifically when they say they will coverage 50% of costs past the 250 deductible.

My cat is fully vaccinated and updated. Unfortunately, he had a urinary passing issue last year for one day. Since it was on Sunday, I had to take him to emergency because his vet wasn't available on the weekend. After that, I took him to his vet, and he was wonderful. I did purchase Nationwide Insurance this year, and they gave my pre-existing cat conditions for his urinary. I told them that my cat didn't have this problem since last year, and it was only once. His documents proved that. They asked me to submit a claim for reviewing my cat documents. After I submitted all his papers, and after two months, they send a letter that they removed his pre-existing condition. Instead, they added two other pre-existing conditions for Obesity and Murmur because it was under his description when I took him to the emergency.

Nationwide PET Insurance. Extremely disappointed. Since getting Nationwide as our pet insurance 3 years ago, it has been extremely hit and miss with getting our claims approved. I have a high maintenance French bulldog, two actually, and sadly it seems like a 50/50 chance every time I turn a claim in. Most recently, we had a 3 day ER stay as one of my dogs is a seizure pup. $4,000.00 plus dollars later, I turned in my claims to, disappointingly, have them denied in return. That was extremely disappointing and infuriating, as you pay for this and end up not getting covered for things you would think would be a common sense thing for pet insurance to cover such as ER visits, medicine, treatment, etc.

I joined VPI (Veterinary Pet Insurance) in 2014 and enrolled my 4 pets, 2 dogs and 2 cats, before Nationwide bought VPI. I was on the highest comprehensive plans called 'Major Medical' plans and these plans were advertised to offer comprehensive coverage for major issues and surgeries. I did not realize that after Nationwide bought VPI that it is not actually a Major plan anymore, they just kept the name, and when my dog had an emergency, I was out 5K for the surgery and hospitalization, and very little covered outside of that. I still owe over 1K more more everything else uncovered. They paid about 44% of my total costs for surgery which is not Major coverage and after the cap that's it.

This is a difficult time for me as I have just said goodbye to my canine companion Lizzy. I am still suffering from her loss as I'm sure I will be forever. The purpose of this letter is to let the public know how very professional, loving and caring the Nationwide Pet Administrators and Underwriters have been during the time Lizzy was insured by them. They were remarkable in ensuring that I was recompensed promptly for the overwhelming cost of Lizzy’s treatment. It was only because she was insured by Nationwide through their Whole Pet with Wellness Plan that I was able to pursue a course of chemotherapy treatment that would enable Lizzy to live a reasonably stable and good life for as long as possible. I cannot begin to describe how comforting it was during the roughly 6-month experience of her treatment to know that Nationwide was truly “by our side” and paying 90% of the cost of every bill generated during her treatment.

Basic summary: every claim you submit they will try to find a way to call it pre-existing conditions. My dog had diarrhea before, so any diarrhea in the future (even though it's a completely separate episode a year apart) is considered a pre-existing condition. For teeth cleaning, they won't cover your first teeth cleaning (even though my dogs teeth were cleaned < 1 year previous). I'd recommend to highly "RUN" away from Nationwide and save your $$$.

I submitted my first claim for my pet back on January 5th for the cost of x-rays on my dog's leg. At first they denied the claim stating that they needed medical records from November of 2020. I went back and supplied 2yrs worth of medical records. I then call back and was told that they will need an additional 30 days to review. This was on January 28th. I called back at the end of February only to be told that it will be another 30 days. Fast forward to today and I'm told that it could be up to 90 days. This makes absolutely no sense. They are giving customers the runaround. I'm paying for a service that is no good.

I have had Nationwide which used to be VPI for my dog for over thirteen years and paid a lot of money to them in annual premiums. They used to be great. Since taken over by Nationwide and especially in the past year their service is awful. They used to pay claims within a few weeks. They now sit for a month or more and then they say they need more information. You send them what they ask for and they leave it sit again. Then you hear nothing. When you call you are on hold for a good hour. At best you may get a rude customer service rep. who will be of no help. At worst they leave you on hold all that time and then the phone just disconnects. I have emailed and they do not respond to that either. They have absolutely no integrity and should be investigated for fraud.

Me and my husband bought a puppy in April and in November bought insurance through his work. It was Nationwide. At the end of January I had taken our puppy to the dog park and he was running with other dogs and twisted his leg. I took him to the veterinary and she put him on a anti inflammatory which didn't help. So we took had x-rays taken and the veterinary said that she thought he had an ACL tear or in a dog it's an CCL tear. So we took him to a specialist and had the tplo surgery done.

First of all let me explain that when I first bought dog insurance from this company they were owned by another insurance company. I have had this insurance for almost 20 years between my two dogs who I adore. On small claims I find them to be adequate however, the reason you have this insurance is for major problems. Here's what they do.... When you have a surgery that they cover, they cover ONLY THE AMOUNT THEY FEEL THEY SHOULD PAY. My one dog sadly lost his leg and there were over $7000.00 of vet bills. The insurance only paid a little over $2000 because they said the surgery was more than their amount. I called vets who did this all over the Chicago area and all agreed their fee was more in line with my bill. After my one dog died, I decided to keep the insurance on my remaining dog as I had had the insurance since she was a pup.

NationWide Exotic Rabbit Insurance is terrible, does not cover common conditions rabbits get ie: ear mites etc. high deductible and ridiculously low caps on each condition. DO NOT waste your time or money on this one. Wait for another Insurance Co. To offer Rabbit Insurance!

The title of my critique is an exact quote said to me by a nationwide Pet Insurance customer service representative. I have been a customer for 12 years and paid monthly on time without many claims submitted. When my dog finally started to have bills due to a serious illness, Nationwide covered less than 10% of the vet bills. When I called them to question this low amount, the customer service rep 'Martha' interrupted me and said, "We're not here to pay your vet bills." Well I said isn't that why people take out insurance and pay monthly premiums for years and years - to have help paying their vet bills when the time comes? I can't say enough bad about Nationwide Pet Insurance - stay away from them unless you're a glutton for punishment, don't care what happens to your pet or feel like flushing your money down the toilet. In a nutshell, Nationwide Pet Insurance just plain sucks.

Have had pet insurance with them for 2 years. Submitted a total of 3 claims, all of which were denied. The first for teeth cleaning, my pup had to have 2 extractions....explanation, pre-existing condition, ok fine, but going forward these would be covered (as we were told). Took my pup in for wellness (every year visit), also had another teeth cleaning (every year). Both claims again denied. Called Nationwide...."Your insurance only covers accidental...." What??? Every conversation we have had with them, this was never stated to us. We even confirmed wellness visits would be covered. Paid them all this money for 2 years, they make their own rules. Insurance cancelled. Wish I could give them no stars.

I have one of Nationwide's most expensive and comprehensive plans which includes what they call "wellness and prevention." My dog went in for routine dental cleaning. The doctor recommended that for her particular case that she NOT be put under general anesthesia. Nationwide won't cover the procedure UNLESS I put her under anesthesia. Therefore, they only will cover this basic necessary wellness and preventative procedure if I put her at risk by making her go under anesthesia even though it goes against the doctor's recommendation. I can either pay out of pocket or put my dog at risk, those are the options Nationwide gives me. That's just WRONG. Nationwide does NOT care about our pets. Avoid at all costs please.

This company plays "Dodgeball" with all of us - denies claims- "didn't get the claim", "pre-existing condition". Total **. I will not sign up for this again. They are manipulative and dishonest. Done w/ it. Deny claims

I've had my German Shepherd insured through Nationwide since 2015 (when they were Veterinary Pet Insurance). The annual premium appears to be set such that, if you do for the year are wellness visits to the vet *and* you purchase the usual meds (flea, tick, heartworm), you will recover the cost of the premium -- that is, you break even for the year. That's actually a pretty good deal, because if there are any unanticipated issues, then you're likely going to be saving money.

So far I do not have any major complaints. There are some items I wish they covered like prescription food and teeth cleaning. They have been very prompt in resolving the claims that have been submitted.

When I decided to have my first dog, I knew I had to consider the cost of caring for him. It wasn’t just the initial check up, spading (which there are a lot of organization that will help with the cost) but the long term care I was concerned with. Being a senior on a fixed income, I knew that even the yearly check ups, getting nails clipped, heart worm medication and flea and tick protection would be costly. If there were sick visits on top of all that, my budget would never recover and I would end up in debt. I always said I would never have a pet if I couldn’t afford to care for him properly. My son told me about Nationwide Pet Ins. He had it and it reimbursed him 90% of all the expenses. Well I signed on. They reimbursed the money within a week to 10 days. It was a little stretch for me because my fixed income isn’t very high, but well worth it to have a companion. I never had to worry about taking care of him properly.

I have had them for the past six years although I’ve only had minor problems with my pet. They have always been responsive to my needs and I have no problem collecting on my insurance. Although my premiums have gone up each year it is understandable that this happens and I was warned when I signed up for the plan that this would be occurring.

I have had a pretty good experience with Nationwide Pet Insurance. Customer Service is excellent. They always have the right answer and are always willing to help. Also, whenever I have any claims, the response and action is very quick. Good experience overall!

Nationwide Insurance is a pretty good insurance. They offer average pet coverage that can be combined with homeowners insurance. I recommend that price comparison is always suggested. Nationwide do have great customer service and give great service.

Overall definitely worth it. And if something unexpected comes up we’ll be covered. Gives peace of mind. Even covers well care and prescriptions pays 90 percent 250 deductible which you can use up in one visit. Glad I did it.

It's expensive and they don't pay much of the claim submitted. Recently I had a claim for $900 and they paid about $350. It might be cheaper to be self-insured. Been thinking about dropping the insurance.