Nationwide Pet Insurance Reviews

I bought pet insurance for my French bulldog. Filed three claims they denied all three claims saying it was Pre-existing medical issues and my dog is less than six months. So if your dog is born with any issues you're out of luck. They will deny your claim but continue to take your money every month so after two months I canceled my pet insurance with Nationwide. They are a scam just like all other pet insurance companies always trying to find ways not to pay. So do yourself a favor. Put that 70 bucks a month in saving account and use that money to pay your own vet bills because nationwide is NO help!

I received a renewal notice from Nationwide Pet Insurance for the insurance policy on my dog. Last year the policy cost $771.49. The renewal rate for the renewal policy starting on September 12, 2020 is $1,292.00 – a 67% increase. I called Nationwide and complained but they said that is the rate.

My workplace offers this benefit but it is absolutely a waste, even with the discount offered to me. The only pet policy available to me did not include neutering because it is considered a "wellness procedure." And because I didn't pay an extra $70/month to cover wellness, they did not cover it. Six months of paying over $100/month for them to cover $50. It would be an infinitely better idea to go to a vet that accepts CareCredit and pay for major expenses with that. That offers six months with no interest. If I paid that instead of the cost of insurance for the neutering, I could've easily covered it within six months with CareCredit. Do not let them cheat you.

This insurance is good for office visits and shots but the reimbursement is not that good cuz it has a cap per illness. I have 2 other dogs with Healthy Paws ins. They don't pay for office visits and shots but man the reimbursement with big health problems is great. After 13 years with Nationwide (before VPI) my premium for my one dog went up $70 per month. Wth!! I say try healthy paws, I pay around $90 for my other 5 & 6 year dogs and claims are easy to process. I am so disappointed with Nationwide and the amount I will pay for my healthy 13 year old dog which is now at $200 per month.

I have been paying premiums for 12+ years on my dog. We have never needed to use the insurance thank goodness for a healthy dog. Now that she's 13 they raised monthly rate to $81 a month which I cannot afford. After all these years never doing a single claim they're going to raise it so high I can't afford it and it's right in the golden years when something could happen. We made the investment month after month. Don't get this company's insurance, you won't be able to afford premiums when your dog gets older.

Our Pet Insurance Plan was purchased from another company and that began our experience with Nationwide. As our pet became older, many of the bills submitted were refused due to preexisting conditions. For example, our dog was hospitalized for 3 nights last July with a bill close to $5,000. The hospital submitted at least 100 pages to Nationwide to substantiate the hospitalization. They paid approximately $1,000.

Nationwide is a bad bad customer service company! Be careful! They find all kinds of excuses not paying you. I have been with Nationwide Pet Insurance since I was a 2-month. I used major medical plan for the past 2 years. This year I turned to another plan called pet protection plan ($800/year after company discount!!!) However, my claims since then were declined. Nationwide requires me to provide past 2 years all medical records. I did, I contacted my vets and sent copies to nationwide. However, I was told those medical records’ format are not qualified.

Terrible processing and underwriting department. My experience started a little while early March. I had a call with Dee the representative to help me start my policy for my pet. I gave full disclosure with regards to all the medical concerns my pet, Ino, has went through. I received a letter on March 10,2020. Stating that they will start asking for medical records within 3 business days. I started wondering how the process was going around April 6,2020. I gave a call to ask for the status of my pet policy. They stated that they are currently waiting on one of the three hospitals I have stated to be able to pursue further review (meaning they have already received the medical records for the other two). The representative stated that it was blurry. I had wanted to get to the bottom of it because it’s been a month! No one mentioned anything that the delay had been over a month because of a blurry picture!

I have had this insurance company coverage and paying premiums for 11 years. Now that my dog is 11 years old, they have increased my monthly premium by $60 a month!!! When I asked why they said it was because of her age. It is terrible that they are now price gouging me now when Beatriz is getting older and probably needs her insurance more than she has before. There is no loyalty for customers, beware and really look at your options before considering a long term commitment to this company. There is no way to appeal the financial decisions they make for your beloved pet. They are forcing me to make a very hard decision. Shame on them.

I got this insurance through work and have an English Bulldog. They denied every claim I submitted for him in a year and looked for loopholes to not cover any of it. This is a SCAM. Do not use them! I read every experience list on this site and can say at least I dropped them before they tired to hike my premiums for having a high risk dog, but short of that I experienced every other thing on here. I have nothing good to say about them!!!

We enrolled our dog in what was then VPI when our now 8 1/2 year old dog was just about eight weeks old. We had wellness and major medical coverage for her first year, and then switched to just the major medical coverage because it was more economical. Our dog has always been healthy and our claims were minimal (a couple of porcupine quills, an ear infection and other minor medical events). Because of this, we thought the coverage was good and fair. After our deductible we were reimbursed in the neighborhood of 80 percent. For the last four years, our premiums went up quite a bit, but we stayed loyal to Nationwide--thinking we were covered in the event that there was a medical crisis.

My lab is almost 15 years old and we started this coverage back when it was VPI pet insurance. My premium is now up to $100 per month and they cover NOTHING. We have been lucky he’s been pretty healthy so far but recently his arthritis has gotten worse leading to a few more vet visits. His last visit cost $350 and they covered $25. Ridiculous! They also cover less and less of his yearly exam each year. There is no point in paying this costly premium that covers nothing.

I rescued a 3 yr old, Old English Bulldog, Stella, I purchased pet insurance through Nationwide pet insurance. Every time I take her to the vet they refused to pay any of my claims! They deem EVERYTHING as a pre-existing condition and say it's not covered. I recently submitted a claim for $450 for her annual physical, heartworm check, vaccines, etc and they refused it, claiming they don't cover vaccines. It's so frustrating! When asked why everything is considered a pre-existing condition? I was told since she is a rescue there is no way to determine what is a "new" issue. And that is how they get you! It's a racket! I cancelled her insurance immediately. No reason to pay an additional $500 for nothing!

I have had Nationwide Pet Insurance for my two beagles for 8+ years as I never wanted to make economic decisions in the event of a serious illness. Nationwide reimbursed a substantial portion when my oldest dog needed back surgery and my recently reimbursed the majority of expenses associated with my Charlie’s splenectomy, cancer and associated chemo treatments. Their website is easy to navigate and submitting claims is fast with a great response time.

We had VPI, which was unfortunately purchased by Nationwide. Nationwide began excluding coverage and limiting amounts paid on virtually any diagnosis, so no matter what you pay in premiums you will never make up for it. Now, after paying premiums for 8 and 10 years for dogs, they just increased rates 30% and said part of that is “proprietary” information based on the age of my dogs. So, you will pay in for years to the point when your dogs need it, only to have Nationwide price you out of coverage. I have a puppy and they just paid half of an emergency $1,400 bill. Their customer service is horrid on top of this poor claim experience. Do not waste your money.

Excuse me while I vent...and sorry for the length. So I got pet insurance for Daisy when she was a puppy. I invested in coverage for EVERYTHING, because my first dog almost bankrupted me. Fortunately she has been very healthy, just the occasional ear infection, etc. The policy never covered a LOT for routine care, but with the extended "cover-all" rider that I've been paying for, I knew as she got older I'd be covered.

I had a pet that was on a policy with them for over three years. Never need a claim, paid out renewal premiums. Then one day said pet was very ill. Submitted all vet invoices, medical notes, and labs as requested. With 24 hour full claim denied as not covered. Save your money and use it for vet bills. Avoid trying to get anything from them.

I purchased the most expensive insurance plan from Nationwide through my employer. I had it for nine months when I took my cat to the vet and discovered she had a lesion that required surgery. The total amounted to $1,045. I combed through my documentation to ensure the procedures were covered under the terms of my policy. Nevertheless, the entire amount was rejected outright. I called to ask why.

My experience with Nationwide was hands down the worst experience I've ever had with an insurance company. I purchased 2 pet insurance policies. They took over a month to take effect, the one claim I submitted (which should have been fully covered per the policy I purchased) was denied without explanation, and when I tried to log into my account to review the policies and claim documentation, the password I used to set up the account had been inexplicably invalidated.

My complaint is for bad faith actions and wrongful repudiation with respect to my insurance policy ** Nationwide Pet Insurance. To be brief here, I did file a claim in May in which I made a mistake and ultimately was sent for investigation and I withdrew the claim. I have emails from that that I can provide. I heard nothing further past July 2019. I received my renewal notice (attached) in Sept. 2019 followed by the policy declaration in Oct 2019 (attached) as I have always received it since inception of the policy in 2011. I awoke on 11/21/2019 to check status of a claim I filed and found in my "document file" on the site a "form" letter that the policy was canceled.

So I had a really terrible vet who would basically vacuum your wallet by testing FOR EVERYTHING. I made a clean break, got a new vet, and decided to add pet insurance. Fast forward a year later and my cat was lethargic and not eating, so I brought my cat in as I read should be done in that situation thinking she'd be covered. Insurance claim rejected for "constipation" and "Other" based on all the previous tests being considered a preexisting condition from my lousy previous vet. "Other"? Seriously?

I pay to Nationwide over 150 monthly for the Whole Pet with Wellness with 90% reimbursement. My dog thank God is in a good health and once twice a year I take him to his vet for a normal check up like blood work or teeth cleaning BUT NATIONWIDE FIND ANY NONSENSE EXCUSE TO NOT REIMBURSE. THEY ARE GOOD ON JUST TAKING YOUR MONEY!

I would not recommend Nationwide Pet Insurance. They find any reason not to pay claims AND then add exclusions to your future renewals. I have been with Nationwide for the past 6 years (4 dogs) and have seen a drastic decrease in service and coverage in the last 2 years. I will be changing all my policies to another company. I used to recommend Nationwide to everyone, but I won't any longer!!!

Worst Ever!!!! Had this since Bo was 7 was old. Today he was diagnosed with bone cancer and needs his leg amputated. They will pay 950.00 of the 5,000.00 charge. But if he just had the tumor removed they’d pay 1600. Do they know they can’t just ”remove” a bone tumor. Only Rx is amputation and chemo. Soooo, would NEVER recommend these pet insurance. They are HORRIBLE!!!!

Do not get this insurance!!! I had it for 3 years as I have a 3 year old dog and got it when she was a puppy. I purchased Nationwide top plan and was paying $75 a month the first year then they increase me to $85 a month the second year which was not terrible. I got just charged $172 and called because thought it was a mistake however they told me cause my pet is getting older "SHES 3"!!! that they increase my policy. THEY DOUBLED IT!!! This is not a good company at all!!! Do not use them!!!

9 month old puppy-recently had neuter and hernia surgery. NONE of it was covered under Nationwide even after we met deductible. I would not recommend this insurance company. It's joke. Hernia repairs aren't covered? Ridiculous.

We had Nationwide Pet Insurance and would not recommend it to anyone because after 10 years of paying $80 a month, when we needed it for our 13 year old rescue (he was 3 when we rescued him) they insisted the “Superior” plan would only pay $118 on a surgery that cost $2,100, suggesting it was because he was older than 10 he wouldn’t qualify for their better than "Superior " policies. We should have let our “Spry for an old guy”...Die!

Please do not even think to enroll your pet to this insurance company. I have been had my pets under their coverage for 5 years. Start from the beginning when they were young (health), their premium were acceptable, however when they were getting older and start to have health issues, they increased the premium like high rock (talking about difference more than 20% in a year). After the calculation including the deducible, I have to pay more than $1300 per year, but when look back to those years for coverage, I have never had any reimbursement more than what I paid. I understand my pets are getting old, but even a human health insurance would not increase that much in a year. When called, their explanation of course about my pets age and the medical plan premium went up but the benefit remain the same. This is really not an insurance, it's a SCAM.

I just a 60% rate increase on my 4 year old spayed female. I really hope their employees have gotten big raise. By the time she is old (and will really need it) I will have spent years faithfully paying my rate only to not be able to afford the premium.

I purchased insurance from these con artists through work a few months ago. One of our cats recently had a UTI and needed emergency treatment as he couldn't walk. Nationwide have decided not to pay for spurious reasons and left us with a bill of nearly $10k. Do not use these utter criminals.

I submitted a $2,554 emergency room visit for my dog and they reimbursed $110!!!! As my dog aged, I reluctantly kept the insurance knowing there would be rising medical costs. Nationwide has reimbursed me A FRACTION of what my medical costs have been. On top of the high annual premiums, I have lost my shirt on this company. They are out to make money finding EVERY loophole they can NOT TO PAY. I have spent HOURS working with them to get reimbursed more fairly within the guidelines of their contract. It is shocking how skilled they are at NOT PAYING. RUN FROM Nationwide Pet Insurance! They are a total RIP OFF!

This insurance was being offered by my company as an optional benefit so I signed up. Nationwide offers a wellness plan in addition to their regular accident insurance which was the main reason I signed up. The wellness plan reimbursed teeth cleanings, which my vet recommended. I submitted my paperwork at the beginning of September. Nationwide denied my claim within a few weeks, saying they did not receive Piper’s medical records. My vet sent them over twice. They received them the second time (where I was coped). The claim was taking a while to review.

This company is horrible. They took a comment out of context from the vet in order to flag the whole claim as a preexisting condition. Over $5k they owed us and of course they do something shady to screw us over. I had heard only bad things about them and should have listened. RUN FAR AWAY.

This company is a complete scam, please DO NOT purchase anything from them. Had a policy for one year. Filed 3 claims and all three were denied even though they were within the so called guidelines. They always claim the reason for denial is pre-existing conditions such as a "Skin Tag" and "Dental Tartar" to name a couple. They will always find a reason not to pay whether legit or not. This business engages in questionable business practices and you will be better off not dealing with them.

This insurer engages in marketing practices that make it seem you will be covered for a variety of illnesses and injuries. After paying for 9 years, I made my first claim for a fractured tooth requiring extraction complicated by infection. The claim was denied despite being on their schedule of covered conditions. Why? Because his medical record from 1 year prior indicated "presence of tartar" on dental exam, despite regular cleanings. Deeming it "pre-exisiting" was their reason and was definitely not. This company will seek every excuse possible not to pay on claims. I would strongly suggest that pet owners seek alternative insurance options.

My prior years of using the insurance for my dog Trooper were phenomenal! I’d submit the claim and unless needing more information, they covered exactly what they said they would. I understood the premiums would go up each year. It started off as $6 one year, a few dollars more the next but then the 2018 year it went up over $20. I figured because we were using it more that that was indeed the reason. So I called and was told that’s not the case and they confirmed that they never raise the premiums based on how many claims you submit to them each year. So I coughed it up to an increase for everyone across the board. 2018 was a tough year for trooper as he was in and out of the vets office for a lot of medical needs so there were a lot of claims submitted. Happy again that they were all paid but when I got my renewal notice for the upcoming year it went to almost $50 more a year. That is absolutely ridiculous.

First had issues signing up for Pet Insurance. Thought it was all set and then got notice of cancellation and had to start 30 day process all over again. First claim submitted was no problem and paid promptly. Had not yet met deductible and no payout so not paid for. Okay no problem. Last month had to do a biopsy on dog’s snout and was a little more pricey plus deductible met but 22 days later and after submitting medical records not a thing yet. No proof other than their word that it is in review. All I have looking at website is the processing complete on website which was prior to medical records. Payments come out of my work paycheck every month. And I know for a fact that there is nothing about biopsy that was pre existing.

This insurance was good while the dogs were young, but they have just about doubled their fees in JUST ONE YEAR. I have 4 dogs and a cat with their insurance as well! One dog went from $1000/year to $1500; the other went from $1500/year to $2500! Nothing has increased the much in one year. They cannot even accommodate me with making bi-annual payments! Then they limit the amount of vet visits, the amount that can be spent on their mouth, the amount on allergy coverage that I have spent out of pocket as much as I paid them. It doesn't pay.

As a veterinarian, I know how expensive pet emergencies can be and did not want to be left in a terrible dilemma should my 9month old puppy become sick, eat something she shouldn’t have or hurt herself. I recommend pet insurance to all my new puppy owners just for these reasons. Unfortunately my puppy tragically passed away in a hiking accident when out with my partner just one day after her insurance kicked in. Unfortunately her injury took her instantly and there was nothing we could do. I called Nationwide to cancel my policy which was very easy and they were very compassionate. About a week later we found our silver lining pup and so I got insurance once again.

New to Nationwide's pet coverage but thus far underwhelmed. For starters, if you opt to get the upper tier coverage which "includes" wellness exam coverage... just know your deductible must be met first. For me, the $250 deductible is double what my vet actually charges for wellness exams/shots etc and with the increased monthly cost of the plan...what's the point? My previous pet insurance covered routine wellness checks 100% while any acute illness fell into the % coverage guidelines. Upon realizing their "wellness" option was not cost effective, I realized I signed a year long contract that won't allow for changes. Granted, that's my oversight. On the plus side, I received very quick response(s) to my questions although they were canned answers with no effort or personalization.

Having been a loyal customer for over 14 years with Nationwide Pet Insurance for our previous dog (we had to put her down 2 years ago) and a year and half ago, bought a new policy for our son's dog, Penny, I expected better than this treatment from Nationwide Pet Insurance. I called today to inquire for a new puppy for my son's friend. While providing me a quote for the new puppy, the sales person, Tenaka inquired about Penny and continuously harassed me about where Penny lives. I repeatedly told her that I have spoken to two other agents when I bought the policy that Penny lives in Charleston but I will be paying for the policy with my Texas address. No one asked me about my son's address at that time.

Nationwide Pet Insurance is an absolute scam! They will do everything they can not to reimburse you. DO NOT buy pet insurance through them!!! Their customer service is horrible and it takes them forever to respond to you!

Like a lot of other reviewers I was a customer of VPI before it was bought by Nationwide. I have 41 years experience in commercial insurance and never worked for a company that operated like Nationwide Pet Insurance does. I used the term "Bad Faith" in my title because that is an insurance industry term that is defined as follows:

I got Nationwide pet insurance after they explicitly stated, both in their advertisements and through the salesman on the phone, that teeth cleaning was covered in their insurance policy. After getting this insurance, I got my cat's teeth cleaned, knowing that I was covered. After paying the approximately $1000 in charges for the cleaning (putting them under, cleaning, x-rays, etc), Nationwide first took a VERY long time to review a simple teeth cleaning procedure, then 100% DENIED my claim, stating that dental tartar was a pre-existing condition. Seriously, under what circumstances would you NOT find dental tartar in a teeth cleaning? Isn't that the POINT of getting a teeth cleaning, to remove dental tartar? Obviously Nationwide is misleading and scamming unsuspecting customers. I cancelled today after finding this website and reading the reviews. Wish I had found this site before signing up!

This was the first time I bought pet insurance through an employer, and based on the information they gave me upfront I thought it was going to be worth it. Do not be fooled like I was, this company does everything in its power to create roadblocks for you to get paid. You have to submit your claim via mail or fax, this is 2019. NO ONE USES FAX MACHINES, so your claim will probably be sent via mail.

$490.52 annual premium for a 2 year old cat - insured since kittenhood. Up from $352 last year. That doesn't include the $250 deductible. What's the premium going to be when she's six or ten? $1,000?? Good plan if you're worried about emergencies (who can predict those?) or if your pet develops a very expensive chronic condition (again, who can predict that?). Otherwise you're just throwing money down the hole. Seriously considering cancelling her plan and just going back to paying out of pocket.

I had to rush one of my dogs to have emergency surgery. I took her to the veterinary school to have the surgery. This school is not cheap and I paid out a lot of money that I didn't have. I wasn't giving up on my dog. After her surgery and 10 days of her staying there, I submitted the claim and all the information they asked for. This one maybe a week after she came home. After May 10th.

STAY AWAY from Nationwide Pet Insurance. I have had pet insurance for over 13 years (2 dogs over that period). When the company was VPI Pet Insurance it was a great. Then Nationwide bought them. Since I had such a good experience with my first dog I decided to go with the new company. How bad could it be? They bought VPI and assumed everything would go the same as before. Was I wrong. I bought the Cadillac policy full wellness. Premiums were $850.00 per year. Expensive but thought worth it just in case. I bought the policy when my dog was 8 weeks old.

Good news: We have had our 2 dogs on this insurance for 6 years. Have the Whole Pet Wellness policy for both. All claims we placed were handled well; we were satisfied with the process & results. Deductible was $250, and reimbursement was 90%. Bad news: The last time we submitted a claim (very recent), they suddenly decided to deny a few items that had been covered in the past - no explanations given. Unacceptable news: Our female dog is only 4 years old. Her policy premium was just raised from $66 a month to $111 a month. This is 60+% rate hike, which is ridiculous. Our male is 8 & I cannot imagine what the new rate for him will be when his policy expires. More cost for questionable coverage. We've dropped the insurance; I don't trust them anymore. Shame on Nationwide.

We have had Nationwide VPI Pet Insurance for the cat and do for over 13 years. In that time they either continually lost the claims, quibbled over the claims or delayed payments. In one instance when the cat had kidney stone operation they asked if the anesthesia was really necessary!!! When our dear cat Zachary ** passed away, instead of giving condolences, they questioned the date of death and how much premium they had to refund after he passed. Never ever would I ever use these people again. Avoid at all costs. With the new additions we have gone with Trupanion insurance and are very pleased. Reverend Dr Milan.

I am a medical provider for humans so I purchased Nationwide Pet Insurance for my new 1 year old dog just in case he suffered from an injury. I have major medical plan coverage with a $250 deductible. He was injured when he fell off the front step and broke his leg. Nationwide kept asking for vet notes, itemized bills and receipts which I submitted more than once. It also took 5 weeks to inform me they will cover '$0' because of "What We Do Not Cover - Exclusions" section of your policy states that we will not pay for diagnosis or treatment of any complication or progression of any condition limited or excluded by this policy." HUH? I will try and fight this but what a MAJOR SCAM. I talked to my vet and he said many of his clients have been denied legit claims for payment and they do NOT recommend this company. If this review will deter one person from purchasing Nationwide I have done my due diligence!

DO NOT USE NATIONWIDE KNOWN AS PETINSURANCE.COM. I have been insured through Nationwide since 2011 for one pet, and since 2013 for my second pet. I have been paying around $750 since 2011 until 2013, and then $1500 since 2013. I purchased the most comprehensive insurance since I got both of my dogs at 12 weeks old. The company was originally known as VPI Pet Insurance, but sometime during my time it changed or was bought by Nationwide.

Stay away. I've been with this company since they were VPI, then got bought out by Nationwide. I'm going on 10 years with this company for one pet, 4 years with another and I canceled that policy but my oldest pet is still with this lousy company. I definitely won't use this company for my new pets. Imagine your worst experience with your own health insurance, add the worst time you ever had with Comcast, add the worst experience you had with the IRS, then add the worst time you had at the DMV and you'll get Nationwide.

Shortly after adopting my dog, we took her to the vet because her eyes were red and swollen. They said it was an eye infection, gave her some drops, and it cleared up. Flash forward 5 years, and after several months of having coverage through Nationwide, her left eye was very swollen and painful, so we took her to a veterinary ophthalmologist. Diagnosed her with an intraocular tumor, and had surgery to remove the orb. Nationwide denied the claim as a preexisting condition, which I should have expected considering the other reviews here. As an added bonus they took three months to deny the claim, after saying they needed more time, likely just so they could collect a few more months' premiums. Immediately cancelled policies for both my dogs and will be moving elsewhere. Avoid this scam of a company -- I'll never do business with them for any sort of insurance ever again.

Since writing my first review, I spoke to another customer service representative and she helped me resolve the issue. The first rep that I spoke had been mistaken and given me incorrect information. The large fee was for both dogs on my account and because of the billing cycle, there had been a lapsed payment - more likely an issue with Blizzard than with Nationwide. So I chose to continue my policy for both dogs and am satisfied with the results. If ConsumerAffairs offered a way for me to take down my original review, I would. But I can't seem to find that anywhere as an option - which is disturbing to say the least. Apologies to Nationwide and thank you to the CSR who helped resolve the issue.

I took my pet to get a dental cleaning under the impression that the service would be covered as a wellness visit. Apparently, your pet can't have tartar to clean before the dental cleaning because it's a pre-existing condition. I didn't see the point of keeping this insurance policy if the intended use and purpose, to cover these services, is not met. I tried to reach out to customer service to better understand how you can perform a dental cleaning without having tartar. The agent mentioned that future dental cleanings would be covered, but not the one my pet needed. It seems like a waste of time and money. If you place those $30-50 a month towards a savings account for pet emergencies or care, you would be able to cover these type of services without Nationwide.

Was a loyal customer of VPI - was purchased by Nationwide a little while back. Since then things have gone to complete **. Everything takes FOREVER. Claims randomly get denied. I've spoken to countless employees to try and figure out why and I just get the run around. One time I called because both of my dogs insurance DOUBLED out of nowhere. Not one supervisor would get on the phone to talk through it with me. I just kept getting the run around. They continue to implement new changes that cause more work for the customer and don't tell anyone. Just got off the phone and I am crying because I feel helpless. Nationwide are bullies and they push loyal customers around and treat them like **. I am trying to be a responsible pet owner and have insurance to make sure I can take the very best care of my animals. It's sad Nationwide clearly doesn't care about animals - they just want to make a buck.

I signed up for the wellness to help cover puppy medical costs, including neutering. The sales rep really pointed at that as a value proposition to include the wellness. I even delayed the appointment date to fit within coverage. However, now they're saying that my plan doesnt include that and the one that does would only apply to dogs over a year old. Outright lying.

What a scam! We paid a year in advance. We have several claims and all have been denied. From a wart removal, medicine, and surgery. Everything was denied. They keep asking for more paperwork and of course I send it to them. Deny, deny, deny. I feel foolish taking the time to fax all these documents to them. They were just trying to get me to re-enroll.

If I could give zero stars I would, this company is shameful. I prematurely enrolled in this health insurance plan then I read the reviews. Once I read all the horrendous reviews, I immediately within 10 minutes of enrolling contacted the company and told them to cancel. You do have 10 days to cancel and this was only 10 minutes later. Not only did they not cancel the policy, they took two months premiums out of my checking account. I called the next day and spoke with Robert and he assured me he would cancel the policy. The next morning I checked my bank account and there was no credit. Not only that I called Nationwide and my policy was still active. I couldn’t get anybody on the phone. I’m going to keep trying obviously but don’t use this company. They are very deceitful and greedy.

We have been trying to get reimbursed for our vet expenses but it has been many months and they keep on making excuses for holding back payments. Each time they need more information, the staff has no clue what each other dept has done. Stay away from this company!!

My new puppy had gas. I made the mistake of asking the doctor about it, prior to the policy going into effect when she got her puppy shots. The vet wrote it on her chart. After receiving my insurance policy, the company decided her stomach and anything that was stomach related would not be covered under the policy. Their definition of pre-existing is very broad. If the body part in question at all has an ailment the insurance would consider that to be a preexisting problem. They are just looking for reasons not to pay. I cancelled 5 months into the policy, and just set up a savings for her expenses.

My insurance coverage randomly jumped from 70 to 111 dollars. Their explanation was "we did this across the board for all our customers because we felt the coverage was being undervalued". You simply cannot increase insurance like that without a legitimate reason. If my dog was getting sick every week, I might understand it. Otherwise, it's a freaking scam. I will be looking for new options before my next billing cycle.

I bought pet insurance to have peace of mind after an experience I had with my last dog. The first year I kept track of all my expenses and found that I had paid a bit more than I would have out of pocket that year, but to have the peace of mind knowing if something serious or expensive had come up seemed worth it. My dog just had basics done that year, shots, routine teeth cleaning, flea and tick medication and she was spayed. On month 11 I received a letter stating my premium was going up 57% a month. The reason they gave was that my dog was 1 year older. WHAT??? I had just gotten a new dog and was going to insure her as well, but at that rate of increase I realized by the time they were 10 I would be paying $1000s a month. I understand a couple dollars a month increase each year but that is ridiculous.

Nationwide Pet Insurance was the perfect addition to my work benefits. Once I enrolled, I designated the premium to be automatically taken out of my paycheck. Because my cat was already up to date with all his health and dental needs prior to me purchasing the "Whole Pet with Wellness" plan, it was simply a precaution against a worst-case scenario. Unfortunately, the scenario came to fruition when my Shadow had to be rushed into surgery for a blockage in his small intestine. He was hospitalized for 3 nights and needed around the clock IV fluids. This was an expensive emergency! While I had to pay the 5k upfront, once I submitted my receipts for reimbursement the processing, approval, and payout time took place within a week. This is why I bought the insurance, for emergencies and I'm glad I did! It saved my wallet, my credit, and most importantly, my Shadowcat's life! Thanks Nationwide!!!

Four months later no payment yet. After being an excellent loyal customer for over ten years, my senior dog had eye issues. She had already lost one eye and there was an exclusion in her policy for glaucoma. Her second eye had to be treated for a lens luxation. Completely different from glaucoma. Company has strung me along for months with this claim - asked for ALL her vet records, they got them... and have done nothing. Good luck getting paid.

I read other reviews before I got this insurance, which made me concerned about it - but the policy seemed solid so I paid for it. The policy I paid for was the "Whole Pet with Wellness" policy, $100 deducible and 90% reimbursement for a wide variety of conditions. Now, having read the reviews, I was aware that some were complaining that the company didn't cover expenses that they hadn't paid for insurance for. Right now Nationwide has three different plans, and I picked the most expensive, which covered injuries/illness/general wellness like vaccinations. If you choose the plan that only covers vaccinations/spaying and neutering/etc, they won't cover injuries.

I've used Nationwide/VPI for almost 15 years between 2 dogs, and the fact that in one year, my premium has increased by $50, is outrageous and maddening! They specifically told me it has nothing to do with my animal or claims, it has to do with an assessment of my location, which includes claims submitted in the area, vet prices, etc. I expect a a couple dollars increase each year, however $50 completely floors me. I spoke with an agent to review other plans (I have the whole pet & wellness plan) - which I should have known pricing would still be ridiculous. I'm officially shopping other companies and will make a change before my next billing date. I'm so disappointed in Nationwide - not only over the incredulous increase, but over the communication around it as well. It appears long standing members don't matter to them.

If I could give this company a 0 star I would. I started insurance with them because my cat was starting to see the vet more often. I was fine with his behavioral problems being a pre-existing condition because it was. But as I had the insurance my cat had some pretty severe constipation which cost me around $1,200. I put in a claim to have the insurance pay it, but they came back saying it is a pre-existing condition and they would not pay for it. I cancelled my policy immediately reading all the other reviews that people have written saying they do the same exact thing to them too. HORRIBLE company that steals your money.

I was a customer of Nationwide Pet Insurance program for a number of years. My dog got sick in 2017 and needed x-rays and ultrasounds, and the vet could not diagnosis her accurately, so no diagnosis was given. Nationwide's underwriters deemed her condition which resolved itself, as pre-existing and stamped my policy with such verbiage, all claims made after for ANYTHING were denied. I attempted to appeal this numerous times and had to let my dog suffer when she needed tests run to figure out what illness she had due to not being able to afford the treatment since Nationwide wasn't going to reimburse me, despite being a loyal and paying customer for many years.

I tried using Nationwide Pet Insurance and have been very disappointed in their service and coverage. Submitted 6 claims for two dogs totaling over $5,000 and was only reimbursed $30! I contacted them to request they review the claims which turned into a back and forth between myself, my veterinarian and Nationwide. For over two months every time I would contact them they would say they needed all medical records, or had attempted to contact my veterinarian and that my vet's office hadn't returned their calls. I contacted my vet's office, signed the medical release forms and was even copied on the emails to Nationwide with all my dog's medical records. Even after this, they said they still hadn't received them, so I again sent over all the medical records. Their next stall tactic was to say that there was a 7 month gap where my dog hadn't seen the vet!

If my cat gets outside and gets into a fight, they cover that but they won't cover me getting her ears checked to make sure she doesn't have an infection. The diagnosis was age-related deafness. Not covered. They did cover tooth extractions in the past but not the anesthesia. If there's something really wrong, the limits for each illness are very low. I'm keeping the insurance for now because my cat is 17 but I don't know if I would recommend it. I compare with other companies before purchasing.

I purchased Nationwide insurance for my dog. He was in a ER situation after my policy enforced date. Nationwide denied his whole ER bill for an exclusion that is not even listed my my policy. I've talked to several different managers there and no one cares. One even said, "If you are not happy, I can cancel your insurance." I recently wrote an email to the president of Nationwide Pet Insurance hoping to get this reviewed. Similar to the post below, they are denying the claim based off a preexisting condition the dog did not have. The managers do not know how to read the policy language. If I do not hear back from the President Anthony Sharett and I am writing a department of insurance complaint, as well as reaching out to the Vice President and Chief Customer Advocate, Jasmine Green. This company will not listen to me. Don’t use this company for any insurance needs. #nationwideisnotonyourside

Nationwide is a scam. They have consistently denied every claim I have made, in spite of my Veterinarian explaining to them that the two conditions in my claim were not related. They claimed that both conditions were the same, and BOTH were pre-existing. So avoid this company like the plague, and don't for one moment think they'll play fair with you. See their denial claim attached.

This company is completely unethical, my dog started having seizures one month ago and they denied this claim because they stated it was a pre-existing condition. My pet has never been diagnosed or treated for seizures in the past. Nationwide claims that they received medical records from a vet hospital that my dog was at one time for a swollen eye and in those records the vet stated that my dog has seizures every 2 years. I did not provide those medical records from that vet and that vet did not treat my pet for seizures.

We were formally with VPI— then that changed to Nationwide. Our premiums increased over 100 percent. We had the top plan whole wellness- which is a waste because of the deductible—- if your pet is well and needs yearly exams only, you first pay the deductible (250 or 500) and they give you 90 percent of everything moving forward. Most yearly exams run 500 max and you will be either out of pocket the 500 (for the 500 deductible) or 300 if you have the 250 deductible. Then you hit the 90/10 coverage— where the premiums are prohibitively expensive.

So I know that most people only leave reviews when they have had negative experiences. So when I saw the low ratings for Nationwide Pet Insurance I wrote them off. They were so well-reviewed by websites comparing all the pet insurance companies! They couldn't be THAT bad! Do yourself a favor, and don't be like me. (TLDR: I applied for insurance; they jerked me around for a month without activating my policy. I cancelled everything with them and went with a different company who was able to approve my application instantly.)

123% premium hike in one year! What else there to say? It's all in the title. I paid $326 last year and they want me to pay $728 this year. Get the ** OUT! Best of luck to you Nationwide... People won't pay that. Who in the world made this business decision at Nationwide?

I'm currently in rebuttal with this insurance company. I brought my dog for yearly routine teeth cleaning and during the exam, the doctor noticed a growth on her lip and asked me if I have ever noticed that. I mentioned that I thought it was a mole that she had it all this time. The doctor said it wasn't a mole and should be taken out to ensure it's not cancerous.

I got full 90% reimbursement.

I have had my pet insured since 2008 with pet insurance. Nationwide Pet Insurance bills me every month and has consistently never missed adjusting my premium during renewal time. During my insured time with Nationwide, when renewal time came around, I was never informed of any new plans available that I could purchase for my pet. Nationwide has failed to notify me, their customer, of new better plans but consistently raised my premiums. Now my pet is not eligible because he has pre-existing conditions and they won’t cover him for them. My pet is now suffering because Nationwide neglected to inform me an eleven year customer of newer better plans I could have chosen to protect him.

What a scam. My company listed pet insurance as a benefit so I checked it out. There were a few options so without waiting time reading I called Nationwide to walk me through signing up online. It was simple and asked what was covered to pick the right plan. Made a claim a few months later for teeth/dental services. Cost of $863.34 for everything. Deductible was $250. Thought great I'll get something back. Not the case. NOTHING??? Called in. They said it would take 30 days ok fine. Called back they said another 30 day to review???? Fine. Called again. They said it was almost completely within 30 days I should get a response???

Nationwide Pet Insurance is the worst. They will deny anything and everything claiming it’s pre-existing. We got a new puppy and signed up for Nationwide pet insurance. Our puppy had an episode of vomiting at about 4 months old which was treated at the vet with fluids and antibiotics. Nationwide denied the claim saying we had to prove the puppy didn’t have gastritis in the prior 6 months or it was automatically considered pre-existing. It didn’t matter that the puppy was literally not born 6 months ago and was in utero.

Been with Nationwide since before Nationwide bought VPI. OK service on small claims. Just submitted my first big claim, $1800, and got the e-mail receipt that the company received the claim. A month later, I called to check on it; they claimed they never go it. Had to resubmit and their rep said they would "expedite" it. Normal claim turnaround is 30 days. 17 days later--still no action--the "expedite" line was a lie. Very disappointed. I would have been better off never buying this crap and just putting $50 a month into a separate savings account. That is what I will do next time I get a dog. Not wasting any more money on this greedy, unresponsive company.

Nationwide is really good at collecting your $ for years. And, as soon as you need them to cover pet's expenses they disappear arguing quite easily that nothing is under coverage. Per se, they refer to articles in their policy. In summary, do not subscribe to Nationwide. It is a money machine that does not care of your pets. It would be better to save $50 per month for 13 years to cover your pet's medical expenses. Very disappointing and will NEVER will do anything with this company for any type of insurance.

I chose Nationwide Pet Insurance because of their good standing as an insurance company. They may be good with home & auto, but they're TERRIBLE with their Pet Insurance. I have been waiting for reimbursement of vet bills totaling over $2,000.00 since October 31, 2018. It's been 6 MONTHS now and I still have yet to be reimbursed. I have done everything that Nationwide has requested of me. In fact, I've sent medical records to them through email, as well as snail mail, and my vet has also sent them my dog's medical records. I've even been understanding when they told me they needed an additional 30 days to review my dog's records.

I originally started with VPI over 11 years ago when I first adopted my dog. They were, in my opinion, a fair company. A few years ago, VPI became Nationwide and I kept them thinking I would get the same customer service. That was a HUGE mistake. I paid over $100 a month (for one pet) over the course of 11 years. That’s over $13,200. My dog recently passed in November from leptospirosis complications and was in the hospital for a week and a half. The total bill came to almost $21,000 and Nationwide has so generously reimbursed me a whopping $3,000. I say that last part with pure sarcasm. I would have been better off, as others have stated, putting the money into a savings account each month. In speaking with someone at the veterinary hospital back in November, they even said Nationwide is among the worst with pet insurance. Please, stay away from this company!

I filed a complaint with my state business department, but you should avoid this insurance company at all costs. They delayed my claim for over 3 months before denying it based on ‘pre-existing conditions.’ Which is BS. My healthy 4-year-Old cat needed her teeth cleaned. The vet claimed there could be a chance they would need to pull teeth, but they wouldn’t know prior to cleaning. They ended up pulling three teeth but Nationwide denied entire claim stating the need for a cleaning was a pre-existing condition to teeth being pulled. Explain how that makes any sense. Teeth cleaning is basic care.

Pet insurance in general is known to be a gamble, but Nationwide has perfected the claim denial game. I am a physician, so I know a thing or two about medicine and can speak the language. Our Boston came to us with diarrhea when he was about two years old. At age 6, he went through a spell of not eating and lost some weight. He never got a formal diagnosis from the vet, and eventually just started eating normally again. We filed a claim and it was denied due to "pre-existing condition."

Do not use this plan. My husband and I are new pet owners and we take most of the responsibility for not doing enough research or simply reading the reviews sent here. We have been paying $35 a month for our Major Medical plan plus the initial $60 plus to sign-up fees. Unfortunately, we didn't consider the fact that coverage for surgery does not kick it until we've been with the plan for 1 year. Our 7-month old English bulldog desperately needed an operation which cost $950. Because we are in the first 6 months of our policy it is not covered, but after reading further into our policy it says it will not cover more than $550 in the life of the term. $550 is NO MONEY at all for pet procedures. Cancelling immediately, keep looking, because this is not what you want.

I have had health insurance since my dogs were puppies. It started off as VPI then became Nationwide. My English Bulldog Claude recently became ill by aspirating a toxic bacteria. He has to spend 10 days in the ICU on oxygen therapy and various antibiotics. The vet was optimistic he would recover. On the 10th day he took a turn for the worse and passed away. The bills totaled $14,000 and Nationwide paid out $740. I was scammed and duped into paying my $54 a month premium for absolutely NOTHING! This insurance is a total scam. After 5 attempts to have the claim reviewed Nationwide flat out denied everything! CONSUMERS BEWARE.

I recently switched from Trupanion to Nationwide Pet Insurance because the Nationwide plan offered coverage for the vet visits, dental and wellness visits. Since switching to this company I have made two claims both in November. They requested more documentation in December which was sent over by the vet. It is now February and they still have not responded to the claim and told me it is under review. They have 90 days to make a decision. With Trupanion they answered the claims within several weeks and I am very disappointed with myself for changing.

I canceled my policy after 1 year. I purchased this policy for my Mini-Schnauzer who was a puppy (3 months old) and when she was 4 months, she had gastroenteritis and they deny my claim as they considered a "pre-existing condition". How can a 3 month puppy have a "pre-existing" condition? I spoke to many representatives and even supervisors for MONTHS until they finally said that they were not paying the cost of $180.00

I had another dog who I had insured with VPI, which nationwide has now taken over. I had a very positive experience with it, so when I got 2 new pups a few years later, I decided to go with them again. I’ve had the plan for the past couple of years. The premiums have inched up a few dollars per year, and were now approximately $80 each per month per dog. I had the 90% plan with $250 deductible per year per dog. The money was deducted automatically monthly from a credit card.

I have had pet insurance on my Maltese since he was a puppy. He is now 14 and was diagnosed with diabetes and has been in the hospital for 3 days now to get his sugar levels under control. The bill came out to 4,000 so far and may climb. I spoke with someone from Nationwide Pet Insurance about my claim that I submitted and they told me that because my dog is now 14 that the wellness package does not apply to him anymore. I NEVER RECEIVED ANYTHING IN THE MAIL SAYING, "HEY, YOUR DOG IS NOW 10, CONSIDER SOME OF OUR OTHER POLICIES FOR SENIOR DOGS"! Also, they told me that diabetes is a pre-existing condition. He was just diagnosed, how could it be pre-existing? I am highly upset and want to speak with someone higher up because I have been paying $88 a month for the last 14 years and now that me and my dog need help we are being denied.

I had Nationwide Pet Insurance for 12 years. The pet insurance market has changed over this time with the entrance of other choices in this market. I have had experience with others that offered much better coverage. Nationwide Pet insurance: you have to fax or mail your claim form which is inconvenient in the age of email. Processing is very slow compared to others - up to 6 weeks. There is a $50 deductible for every claim no matter the total amount submitted. If you have 8 claims that would be a total $400. I paid $75 mo for my senior dog or $900 per year. 2018 I submitted $3600 in bills received $1100 or 30% reimbursements. Bottom line - it's not worth it when you do the math. Do your research before purchasing pet insurance. There are many choices that are far better than Nationwide.

Nationwide sales representatives assured me they would cover my teeth cleaning, then they stuck me with the $1400 bill after I paid for the policy. They spent FIVE months before denying the coverage, while continuing to collect premiums. They claimed a condition was preexisting because it occurred on 2/17/18 and 4/14/18 "which are prior to the Policy Effective Date of 2/5/18". YES, YOU READ THAT RIGHT, they claimed 2/17/18 and 4/14/18 are BEFORE 2/5/18. I have had to file review requests because they took the position that heartworm medication is not covered because my dog has a heart and therefore it is preexisting. I have also had to file review requests because they won't cover his flea & tick medicine, because my dog has fur and it is therefore preexisting. The only way to get coverage from this company is to hire an attorney.

Nationwide Pet Insurance has been a life saver for my dog who was diagnosed at the age of 4 with lymphoma. They have paid 90% of every claim submitted in a timely manner. I see many complaints written because people did not read and research the coverage options and choose wisely. This company is very transparent with any exclusions for each pet. Customer service is readily available and always helpful. I highly recommend the whole pet with wellness coverage which pays a percentage for actual costs incurred. THANK YOU NATIONWIDE!

This company denied our claim for our pet's teeth cleaning because the tartar was "pre-existing!" Nevermind that all tartar is "pre-existing", that's why it needs to be cleaned. They also require you to send in a ton of excessive medical records (basically, your claim is not only denied, but you're doing their work for them, too)! They will look for any excuse to avoid paying a claim and the problem is, you have no recourse because these companies are not regulated. Forget pet insurance and don't sign up just because it is offered by your employer. This company is a scam.

I signed up for pet insurance back in March 2018. The monthly rate was $41 for Nationwide's top tier plan. I was very happy with this rate as one could imagine. I submitted three claims which were reimbursed within a month. Then I receive an email informing me that monthly rates would be going up. As with everything else in life I figured this would happen, though I thought it was odd that the new rate was not quoted in this letter. I went online to see how much my new monthly rate would be.

My employer offered pet insurance through Nationwide, and with automatic payroll deduction it seemed like a good fit until I filed my first claim for my 9 year old dog. After a couple weeks of hearing nothing, they sent a request of all past medical records, which I painstakingly obtained and submitted (and I get that -- they need to know this info). But I had several more visits to the vet and submitted claims for each one, but heard nothing for weeks.

We got their major medical with wellness rider for our puppy because that’s all they allow for puppies. They said he would be eligible for whole pet with wellness when he was a year old. So when his first policy was about to be renewed I started the process of trying to upgrade him. It has been a nightmare! First off they didn't tell me what I needed to provide them with. They never called me to tell me what the status was or that he was denied or that I had to prove he was over his infection before being approved. They never told me the Vet office didn't send in the records. NOTHING!

Very rarely use my Superior Plan (cost: $75 per month). I've had it for about 10 years. I was paid $183.80 for a $1370.32 vet bill. I've paid more than $6000 dollars to this company and have not in total collected ever near $2000. You should NEVER get pet insurance... Just put $50 per month into an account and use this... You will be much better off... And you don't have to deal with a company to get paid.

VPI (Veterinary Pet Insurance) started pet insurance at least over 15 years ago and was maybe the first, or one of the first Pet insurance companies. Sadly that is the only positive. Gather from all the customer complaints they went under and Nationwide stepped in to swoop in the brand and hide it under their well known name (It would only appear). I had Nationwide and after bought the policy paperwork came in with what do you know VPI written on it. Very sneaky--bait and switch!!

Their claims department is a complete joke, over 30 days and still processing my claim. I would never recommend anyone waste their money... Rip off artist. I have emailed and called to no avail. Once my claims are processed I am out.

Updated 04/18/2019: I have contacted the attorney generals office in Pennsylvania and if anyone else living in pa would like to contact me I can help you get something done about your issues with nationwide pet insurance. Please email me at beverlylusso@gmail.com or you can contact kristal ferron at kferron@attorneygeneral.gov You must however live in Pennsylvania.

Long story short. I recently had over $3000 in vet bills for a 4 month old German Shepherd puppy. After requiring all vet records, I was only reimbursed $208 due to what they titled a "pretty existing condition". Nationwide is a waste of your money.

We have a rescue Westie. I purchased the top of the line insurance from Nationwide with the $100.00 deductable. Our first claim went well, however the second and third claims submitted 9/13/2018 and 9/17/18 are still outstanding. They denied the claims on 10/12/18 and asked for medical records which we submitted on 10/20/18 using the information, fax number, they provided. They processed them as a duplicate claim until I called and asked them to confirm receipt of the records. These two claims contain medicine and prescription dog food required by our vet for our dog's gastro issues. The policy says this is covered.

I have had one of our Bulldogs insurance for almost 14 years when Nationwide was VPI. Ever since Nationwide bought out VPI the service, paying of claims and customer care is a joke. We recently added our Bulldog puppy to the insurance because of the discount I get through my employer and that was my first mistake. Everything is a pre-existing condition, they do this so they don't have to pay any claims. I have submitted around $800 in claims and Nationwide has paid $57.69. WOW, what a joke.

I purchased the wellness plan for my puppy, along with the injury/illness plan. They lump everything into one plan, so you will have a $250 deductible for wellness visits. If my puppy never has to go to the vet for anything other than a wellness visit, they will never have to reimburse a cent because our vet visits (including the vaccines, prescriptions, etc) did not total $250. If your vet, especially Banfield Hospital, offer a wellness plan, go with them. The monthly fee is less expensive, and they cover more. If we would have had the vet coverage, we would not have paid anything except the monthly fee for the plan. Also, when I called to cancel the Nationwide Insurance, the rep told me that she would cancel immediately. Fortunately, I double checked by looking online - she did not cancel.

My dog Marley had an accident and went through 3 surgeries... Today he is recovering well. I submitted my claims with all the information (form, bill, itemized, etc). After a MONTH I called and they said I had to submit the medical records... After a not very pleasant talk over the phone, I submitted the medical records, and I’m still waiting for an answer. To make a long story short, they’re buying time so they won’t have to pay me back. Don’t waste your time with this insurance company! By the way, today I received the policy renewing, 2 months before it expiring. They’re fast at charging you!

Hello, I do believe Nationwide has good coverage but their claim process takes an average of 3 weeks which is far too long. I do have the wellness total care plan which has 90% reimbursement after meeting a $250 deductible. I was fortunate to get this coverage early so haven’t had any issues with pre-existing limitations but I am so frustrated with their claims process. I really wish they would enhance their claims process.

I had the full package including the wellness plan for my first dog and got reimbursed 90% but this dog never had any issues. Never really needed the insurance. I got another puppy and called and said I wanted the exact policy for my puppy that I have for my older dog including 90% reimbursement after $250 deductible and the wellness plan. They told me that plan is called something different now but it is the same plan. I said fine. Well this puppy turned one year and fractured his shoulder the following week. He needed a pin in his shoulder and submitted the claim. They only paid 30%! They told me that puppies under one year don’t qualify for the plan I requested and so I only get reimbursed their maximum for that procedure which is insanely low!

Do not waste your money. They consider every office visit regardless of an injury or problem an exam. In other words, they 9 key pay for two exams a year regardless of whether your animal has something they need to look at that has NOTHING to do with a physical exam. Nationwide treats taking the temperature a physical exam if you bring your animal anything and everything. PI was good. Nationwide is the worst. We’ll be looking at other per insurance company for our two otherwise healthy cats. The dog, unfortunately needs to stay because when we adopted her she came with kidney disease and we can’t pm after three years, switch her.

I made the mistake of switching pet insurance coverage for my frenchie on the word of a coworker. I made the switch to Nationwide and have regretted it ever since. They will find any and every loophole possible so they won't have to be responsible to pay a dime. My frenchie has 2 luxating patellas that first we were told we have to wait until April then he will be covered... so we have him in PT and he is on nerve medicine... none of which they will pay for even though this will make him stronger for surgery. Now they say they will not pay for it as in 2 reports vets have made comments that he is obese! The poor boy weighs 26 lbs and although they recommend most frenchies to weigh 18-22 lbs this cannot be the case for my boy... his parents are not petite frenchies. I've had so much anxiety dealing with this company that my own doctor put me on meds! Beware!

I had a pet insurance policy with Healthy Paws that I was very happy with. My company offered payroll the duction for health insurance through Nationwide for my pets which also included a WellCare policy. I thought great. Wrong. I had to obtain an attorney to get payment for my pet's cancer to be covered. I asked the agent prior to changing insurance policies if my pet‘s Pre-existing cancer would be covered. I was told as long as my pet have been cancer free for one full year it would be not considered pre-existing. They asked for my pets records for one year. My vet said them for the past six years of which two years prior she been treated for cancer. She’s actually been cancer free for two years.

I signed my two cats up for Nationwide (originally VPI) about 6 years ago. I signed my dog up for Trupanion around the same time. I wanted to try out both companies to see which was better. While Trupanion has been a literal life-saver for my dog, covering 80% of surgery-related costs in the past couple years (about $10K in total; easy submission process, quick and positive decisions, and super fast payouts -- all in a matter of days), Nationwide has been a nightmare. My older cat recently had a major illness and Nationwide has denied, denied, denied. I was lucky to have an insurance specialist at the animal hospital that advocated for us, but she still only managed to get us reimbursed for a small % of the costs (about $700 of more than $2K) and it took more than a month.

I’ve had Nationwide Pet Insurance for months now or so I thought as I provided payment, credit card for them to take the Pet Insurance fee from. My cat got sick and is going to the vet today, I called Nationwide Pet Insurance because my plan comes with the 24-hour vet helpline and they informed me I’m not covered and haven’t been since June!! They said, "But your pet does need to be seen at a vet today!" I was transferred over to their customer support to make sure my policy is still valid and they said they cancelled it and sent me notice. I checked my emails and nothing. They have my phone number, NO calls from them. They will not reinstate my policy and sadly my deductible was already met back in May!

Before Nationwide bought them out, they used to be VPI, and their customer service was stellar! The claims processing time was stellar. They cared about you and your pet. Claims took 30 days or less. Since Nationwide purchased them, the customer service has plummeted. I have claims that are still being processed 3 MONTHS later. Reps will tell you that they’re “backed up” and will “escalate” but that won’t result in anything. The company clearly hasn’t prepared for the onslaught on new customers and instead of being proactive and training new reps in advance, they were reactive and waited to train new reps until after all the new accounts started flowing in. STAY AWAY FROM THIS COMPANY AT ALL COSTS! I’m currently researching other pet insurance providers to make a switch.

We have had Nationwide for years. We received reimbursement for our older dog who died in Jan 2017. We received all claims submitted. We recently submitted $1200 in claims for our new dog and Nationwide rejected every one of them. You might as well shred your money instead of sending it to Nationwide. Management should be wearing orange DOJ jump suits. Do not use Nationwide.

From their response to my claim: "We will not pay for diagnosis, medical management, or surgical correction of any endocrine tumors, both benign and malignant, or endocrine hyperplasias of any kind, or associated splenectomy." This is referring to adrenal disease which is the most common long term illness to affect ferrets. If they don't cover that, then what use are they? Nationwide has proven to me over and over again that they do not care about your pet's health and only want money.

I have had them through my job since Feb 2017 until 9.19.18. I submitted a claim from August (sent it to them the same day) and they just decided to deny my claim, stating that because I submitted one for an issue my pet had as well from LAST YEAR they deemed it as an on-going issue (of course, they didn't verify that with my vet). So I decided to cancel them altogether, considering I spend way more to have their fee taken out of my check, for them to have only reimbursed me $350. Do yourself a favor, get another company. Nationwide is not on your side.

My aussie is 7 years old. She's been to the vet way more than any pet I owned so I decided to finally look into pet insurance. I've had pet insurance with Nationwide for almost a year now through my work benefits. So far I've really only had to submit a couple of claims. Unfortunately my aussie was diagnosed with IBD like a week before the waiting period expired so anything related to that (meds, additional testing, etc.) is "pre-existing". That's my fault though for not getting insurance sooner. Recently I noticed an ear infection. I took her to the vet who confirmed the ear infection & also noticed a foxtail in her foot (she had no symptoms, so that was weird). The total cost of the visit was outrageous in my opinion. Thankfully it was covered by Nationwide.

They do everything they can to reject the claim. Everything is pre-existing condition. Unless it's an accident, they would not cover it. This company is worse than any home warranty companies. I will pull out all my annuities and insurance for my rental properties. Nationwide is in business to trick people and steal the premium.

I have a small breed dog, just turned three years old. No pre-existing conditions, relevant to a neuter or dental surgery!! This company would not reimburse my dog's neuter or dental surgeries. These procedures are expensive, but since I had new pet insurance through my employer with Nationwide- at an advertised 90% coverage rate, as advertised through Nationwide, I went ahead to have the procedures done! My young dog is healthy, he's young- no 'pre-existing' conditions 'relevant' to the procedures done as a rude, unprofessional customer service agent had mentioned!

Our beloved little cat died after 20 years of mutual love and affection. For much of that time I had insurance through Nationwide and its predecessor company I assume they purchased. It seemed that every time our kitty needed the vet (not that often), Nationwide had a way to deny or greatly reduce the care to something like 20%. As an emergency doctor I have seen what bad coverage (i.e. Obamacare) has done to my patients. I have always sent in the doctor notes and added brief but complete medical justifications for my cat's care. No matter. I have had many futile discussions with "Customer Care" - it's not their fault, I am sure they are ashamed of what they have to say to deny claims. The most egregious part of this insurance scam is the limitations they place on each illness or category of illness so that if your pet is really ill, you are going to pay most all out of pocket.

All the money that I put on that insurance out the 100% of the money they only cover 10% and they always loopholes. It’s a waste of money. Big name for nothing & if you cancel the insurance that doesn’t work. They keep the money. So yes, might as well just burn money. “Miss we only cover this vaccines, not those”. Hey, I need my cat to get his teeth cleaned. - "Miss the insurance only covers if the cat need dental surgery but we can only cover if the teeth need to be extracted". What? So my cat has to be in severe pain and about to lose his teeth in order for the insurance to cover only 25% and then I have to pay out of pocket??! This insurance is a scam. Worst experience ever. I regret the moment I decided to get this insurance. Banfield Hospital has a better insurance and they cover everything and it’s cheaper and it’s a PET HOSPITAL. This insurance company is a scam and so many loopholes...

It's amazing the games Nationwide Pet Insurance intentionally plays NOT to reimburse. They're a typical insurance company. When they deny a claim, they purposely provide vague, confusing denial codes. After I've spent an enormous amount of time with company representatives they'll eventually come clean with me why my claims have been either denied or reimbursed so little. When they finally tell me what they need, I'll resubmit the claim with the missing information and may, if lucky, get a small reimbursement back on the re-submission. It's ridiculous the amount of time I've spent advocating for myself and my dog with this organization.

This company is horrible, they are scam artists, they lie to get you to sign up and then after that it's all BS! I got pet insurance for my dogs because I wanted to get him neutered and I saw that they covered this in their plan. It cost me 265 to get the policy started and 135 a month! It just so happened that I had his surgery the same day the policy started, which shouldn't matter because this is what my money paid for! After the surgery I sent in the claim form from his procedure which was 7/29/18. He had a lump in his testicles that I just wanted checked to make sure it wasn't cancer (which it wasn't thank God) so they sent that to get biopsied. The bill came to 705.00. 8/10/18 I took him to get his staples out. They were hurting him so they sedated him to remove them and I also got him updated on his shots. So that bill came to 120.00 which was also submitted.

A few things you should know if you are considering signing with Nationwide. They can't/ won't tell you by phone what is or is not covered before the fact. Submit your claim & take your chance. A year ago processing time was reasonable. Recently, however, there's always a reason to delay processing a claim. They need more info from the vet. They can't read what they got from the vet. They never got the claim that you submitted through the VitusVet app - resubmit it.

They pay per their own schedule and not what you actually pay the vet. Also you reach their maximum payouts very early. My chow chow had cancer. It cost me $8,000 in vet fees for her chemotherapy. The VPI plan paid me less than $3,000.

Not worth it at all. You are better off saving your monthly premiums and paying for your vet bills yourself. Or shop around. We have a senior dog and we pay $71.99 a month, x36 = $2591.64 (3 years premiums) + $1011.77 (vet bills in the last 3 years) = $3603.41! Now this insurance company has only reimbursed us a total $238.81 in the last three years!!! Expensive Coupons I guess! You do the math. Why do we still have them? My wife makes me keep it just in case of emergency, she thinks they will cover accidents and emergency. Lol! Keep paging through the other reviews. Complete 08/19/2017 $147.00 $0.00 09/14/2017. Complete 05/10/2017 $110.00 $99.00 Check 05/19/2017. Complete 12/20/2016 $145.24 $0.00 01/11/2017. Complete 09/28/2016 $64.00 $0.00 11/14/2016. Complete 09/14/2016 $354.53 $140.81 Check 11/14/2016. Complete 08/18/2016 $191.00 $0.00 08/24/2016.

I have had this pet insurance for over 12 years. They had no problem more than doubling my premiums over the years but when my dog needed a life saving emergency surgery they covered only 20%. There is no point in having this insurance if they don’t pay when you need it most..

This is a terrible company! I have had this insurance for 12 years. When my pet was diagnosed with a life threatening illness, Nationwide will not pay because my vet diagnosed my dog with an ultrasound rather than a biopsy (I can't make this up). The biopsy would have killed her! Their vet completely agrees with my vet on my dog's treatment but said Nationwide was bound by the language of how to diagnose this illness. I guess treatments don't change in 12 years. This is absolutely pathetic.

Well, it started well. They had reasonable prices for our two dogs. Our first dog was on the plan for three years, and the second for two years. They both had it since birth. The first year or so, I received the claim within 2 weeks, which was great, but in the last year or so, that started being closer to a month, and most recently, they just ignored my claim altogether. I sent them an email and they told me to resubmit, and another month goes by. I send another email, and they again tell me to resubmit the claim. It was a simple claim for a required medication.

My dog had to go to the emergency vet and then his regular vet the next morning. I submitted both claims at the same time. Fortunately, I made copies of everything I sent in. About a month after I sent both claims in, I received a small check for the regular vet visit. The reason? Because Nationwide applied the $250 annual deductible and the check they actually wrote was only $40 over that. The other claim, for $365?? Denied, denied, denied. I resubmitted it 4 times, both via email and on paper. Finally, I just received word that they are (supposedly) putting a check in the mail. We'll see it if actually comes in. I really don't appreciate this treatment, as I've faithfully paid my premium monthly. As soon as I can, I will be cancelling this policy and starting a new one with another company. If I could have given Nationwide Pet Insurance zero stars, I would have.

Our dog had fear aggression and bit my daughter and niece; he was a threat to our kids. After thousands of dollars of behavior therapy and medication we had to euthanize our dog. Nationwide wouldn’t pay for any of the behavior medication or therapy. When I called Nationwide to let them know we had to euthanize our dog, they mentioned that was covered. I thought great, at least they will pay for that small expense. Then I received a letter wanting to have the doctor’s notes. After sending that in to the company, they sent a letter stating they were denying the claim due to not paying for treatment excluded by the policy. They wouldn’t pay for euthanasia when it would be the most humane thing to do for a dog. They will pay if it is due to a serious illness but not a serious mental illness. That is the most ridiculous, heartless policy I have heard of.

I am very disappointed with this company. I purchased this cheap policy through my employer and when I spoke with the rep it sounded like a AWESOME Deal. Easy claim processing, easy easy easy. Not so... Well let me tell you when I try to file a claim nothing, or it's not covered. I finally am so fed up I filed a complaint with my employer and HOPEFULLY they will take it off their list... I have still not received my claim money and it's been over 90 days. I have a new GSD and he is only 1 year only and have been to the Vet 3 times and this company seems to keep giving me the run around wanting more documents from me and the VET. Ridiculous and unprofessional. PLEASE don't do with this company just because it's cheap. Sometimes a good deal is not a deal. As soon as they finish with my claims I am CANCELLING ASAP. Don't do it.

This company is by far the most devious in paying out claims. I have had several instances where I had to call a supervisor for extremely low payouts for claims. This last claim was $1,200.00 for the hospitalization and euthanasia for my dog in which they cut me a check for $145. It is not worth the stress going back to them to fight yet again. Another ridiculous experience with them. Buyer beware!

If Nationwide scammed you, please see info at end of review! Trying to start a class action lawsuit, we need your story! Nationwide sentenced my baby to death! Much like the majority of these reviews, Nationwide has lied, made up their own diagnoses, delayed claims processing, ignored the diagnoses of the vet, told me the vet should call so they could explain why she is wrong, attempted to bait the vet into admitting the clinic missed diagnosing kidney failure, delayed giving me the decision to my review request even after changing her policy AGAIN, just to run out their 2nd 30 day extension and worse. Because I trusted their advertising and clearly biased reviews, my 15 month old puppy cannot be covered by any other insurance company and the expenses are skyrocketing. Don’t even consider Nationwide, even if offered by your employer. You will take years off your life fighting this unscrupulous company. They DO NOT care about your pet!

My miniature pinscher Sporty passed away from kidney failure and pancreatitis. My veterinarian and I submitted all documentation, itemized invoices etc. and they refused to pay as they stated the itemized information showed a high grade fever. They only use their specific codes and said that their organ failure/death code was a high grade fever which, of course, is not covered.

I have a sick budgie and called in the hopes of insurance that would help cover my medical bills. Turns out that any chronic conditions are permanently excluded from coverage by their exotic pets policy, and curable conditions must be out of the animal's system for six months. What's the point of insurance if they won't even help you when your animal actually gets sick?

Reading through these reviews for Nationwide, I'm actually shocked. My experience has been the complete opposite of the reviewers. I adopted a kitten in June of 2017 and purchased the Whole Pet with Wellness plan for him. I had originally only gotten the insurance to cover his shots through the first year. However, it turned out my cat was cryptorchid and had to undergo surgery. He had a difficult time healing and nearly died. In total, he underwent 4 total surgeries and I spent almost $5,000 in vet bills.

They are the worst. Take your pet one time for something and they put it as an exclusion - I change my dog's food and her stomach got upset and took her to Vet and submitted the invoice. Would not even pay for that and said she will not be covered for gastrointestinal problems. My Vet even wrote a letter saying it was the change of food and I have 7 months later have not had the problem again - her stomach is fine but they still will not pay for it down the road if her stomach gets upset again - took her to the vet. Her anal glands need to be expressed for $21.00. Would not pay for that - in a year the only thing they paid for was heartworm and nothing else.

I recently signed up for pet insurance through Nationwide through my employer. I currently have a pup on Healthy Paws that I kept there but put my other pup on Nationwide. Well I recommend to you RUN as fast as you can from Nationwide. EVERY claim I have submitted has been rejected due to pre-existing conditions (LIE)! It takes them 3 months to process a claim, if I would have had my claim processed sooner I would have saved 3 months worth of premiums. WORST pet insurance company there is. Don't believe the ratings on the Nationwide website as it does not allow you to post a bad comment. Do your research and review pet insurances for a true evaluation on nonbiased websites. I hope I can save everyone a little bit of their hard earned money and allow your pet to be treated like the family member that they are, not a "pre-existing condition" that is not worthy of a company like Nationwide that does not put your pet first.

This pet insurance is a scam, they have deceptive business practice. They advertise and sell pet protective plan that covers all injuries and illness. However they did not reimburse a single penny for my ill dog. There are thousands upon thousands of bad reviews that this company is a scam. I don't know how they are still allowed to deceive and rob people.

I have two greyhounds. Both get regular, annual check ups and dental cleanings, and wellness checks. Recently I moved from ASPCA Pet Insurance to Nationwide's pet insurance as my employer offers us discounted payments for Nationwide. After sending in my pet's history and getting coverage started, several weeks later I had the annual dental cleaning done for my female dog. And then sent the claim into Nationwide.

I purchased pet insurance for my puppy and it was very important that it cover genetic issues at any age as my previous dog had a genetic problem and I didn’t have any insurance. Nationwide’s website states genetic issues are covered. My puppy had a procedure on his eyes as he has entropion. (It is not serious if treated and it is fixable and not something that returns once corrected). He had a stapling procedure done which could hopefully prevent him from having to have surgery when he is older. Nationwide picked up none of these costs as they said the policy is not to cover genetic issues diagnosed before 12 months. I guess this was buried somewhere in my policy but I think a reputable company should be telling people this when they call which I did. Not only will they not pick up any costs associated with the stapling procedure, they won’t cover the initial visit to the eye Dr. because the result was a genetic issue.

I purchased as a new voluntary benefit through my work this year. Sales explained what it would cover, turns out they flat lied. We have owned dogs and cats for over 30 years so we are not new to the pet world and were excited to buy insurance based on what we were told. We bought the Wellness plan, 6 months later our claim was denied and every charge was deemed as pre-existing.

First they denied allergies and ear infections as pre existing. Anything to do with allergies is not covered which is ridiculous, because allergies can cause a lot of things. To get the ear infections covered I sent the notes showing she had one infection which resolved. The notes mentioned a one time heart murmur as stated it could be a result of the steroids she was on for the medication. All the other notes I sent showed no murmur. Even though the records I sent were for the ear infection, because they MENTIONED a one time heart murmur, nothing involving her heart is covered now considered pre existing. Every other exam before and after has shown a healthy heart no murmur.

This company encounters delays and doesn't update the claim status to keep insurers aware of what is going on in the review. They have asked for additional records from my vets repeatedly and my dog has passed on and still no claim resolution. Don’t know what is taking them so long but eventually they will need to give me closure. It’s sad that I need to revisit this heartbreaking matter and the delay tactics are just so awful. I understand there are pre-existing conditions that people try to pass off but this is not the case.

Why people try to compare others to what others agree upon is a salesperson with the brain of a fly. What should any care what others do unless others pay their debts too, it is basically a voice of stupidity. Nationwide Pet Insurance originally quoted $754.96 for full coverage for my dog, $250 deductible and no waiting period. I told them I was a disabled vet, and had to budget my funds to buy that coverage - Response in Spring 2018 was "No problem. Call us when you’re ready." Today it's May 2018, and this person tells me they have lower my deductible to $100. Rather than the $250; then they raised the insurance cost almost $400.00. The smarty pants says "what's $400 dollars." It is a heck of a lot of money for ones already struggling, but that isn't the point. Then tells me there is a 14 days awaiting period.

I have two dogs, one two year old and one 5 month old. As soon as I rescued them, I put insurance on them because I never wanted to be in the position of not getting them the best care. I placed Major Medical insurance on them and was satisfied, until the time came that I actually had to use it. My puppy developed aspiration pneumonia and ended up in the emergency room overnight. The bill came to a little over $2,000. We have a $250 co-pay. They only gave us a check for $740. They said that that is the most they will pay for that type of injury. I said what's the point of a co-pay then? Also, I showed them on their own website that for my plan lung infection is shown as Full Coverage, not a partial coverage. They still insisted they only pay a max out of $740. STAY AWAY! They are quick to take your money, but do not stand by their own website and a co-pay means NOTHING!

My job started offering pet insurance and Nationwide is who provided it. I got insurance for two of my cats. My 9 year old Olive and 2 year old Grover. I got the most expensive and comprehensive plans they offer. Two months after getting the insurance Olive needed her teeth cleaned so I had to have bloodwork done before she went under. The bloodwork showed she had hypothyroidism. She had never shown any symptoms but I was so happy I had the insurance. Nationwide wanted all her records which I provided and I am hypervigilant about bringing my cats to the vet. They denied my claims for subsequent visits saying she had a pre-existing condition even though she did not. Then they told me she was ten years old and could not receive the coverage I applied for. I have her adoption paperwork and she wasn't ten yet.

Nationwide continue to deny my claims to cover my cat’s diabetes even though she was diagnosed while covered by their major medical policy. Despite a call from my vet and jumping through numerous hurdles, and after paying out nearly 10k in expenses, they finally (after dragging their feet for five months), paid me $155. This is a fraudulently run business and they should be ashamed. Beware and don’t bother!

I’ve had insurance. The VPI Pet Insurance and then they became Nationwide. I signed up for my second dog and learned they took away a lot of coverage from what VPI offered my first dog. I took my new puppy for regular checkups and on the 3rd visit she had some nasal drainage. Turned into pneumonia and Nationwide denied the claim trying to say it was “pre-existing”. They only offered codes and when I asked for the reasonings and proof their underwriting team used to back up their claim, I was told I don’t get to see that. Then the manager told me that Because the dog had diarrhea listed from a food change, that Nationwide would also list that as pre-existing so any claims in the future would be denied. I never even filed for that and they took whatever they could to make sure they deny anything!!! They steal your money and do everything to line their pockets.

My husband was provided pet insurance through his employer. We signed up, began paying premium and provided them all info we had from our senior rescued dog. Nationwide denied first 2 claims stating we didn't meet the deductible. Now they won't reimburse his ear infection or the follow up because they want records from years before we had the dog. The dog was neglected for 8 years in someone's backyard. There are no records and when we tell Nationwide they continue to ask for records from 11/2016.

I have a healthy 3 year old chocolate lab, but decided to get Pet Insurance. I did extensive research amongst 4-5 pet insurance and finally decided to go with Nationwide Pet Insurance. Their website prominently claims that their "Major Medical" plan covers cancer, ACL surgery and a few more. So I signed up with Nationwide Pet. A few months after my dog got an ACL issue playing with other dogs at the park. The surgery is $6500 and I was relieved to have purchased insurance. But when I call them to in advance of surgery they said, "Oh we have this long list of major things we do not cover in the first 12 months," even though I am paying $850/year for the insurance. Their claims on the website are deceitful and I would have selected a different agency. I have filed a complaint with the California Dept of Insurance. Do not buy this insurance. Look at their ratings. There are 260 negative claims and a rating of 1.5/5.

PLEASE DO NOT SIGN UP FOR NATIONWIDE. I submitted 10 claims from 2/1/18-4/4/18 for my 17-year-old cat only to discover it was not arthritis or kidney disease, but multiple myeloma (cancer). Total amount spent: $3609.xx. I did everything I could to save my cat, blood transfusion and chemo, but it was his time to go... I ended up having to euthanize him. Just found out that all claims I submitted were DENIED due to "pre-existing conditions". This was because NATIONWIDE submitted a questionnaire to the animal hospital, with one question asking if I was aware of when my cat exhibited signs or symptoms. Because the veterinarian wrote, "24-48" hours before the scheduled appointment, all claims were denied. Even the veterinarian expressed that the questionnaire appeared to be worded in such a way that any answer would result in a claim denial.

After verifying with my veterinarian I had a valid claim and filling out all the appropriate paperwork. I later come to find Nationwide will not pay one penny of the $973 claim I made to pull my dog's deciduous teeth and help the infection in his mouth. After a 5-hour surgery and not $1. Sorry Nationwide. You just lost a lot of customers. I'm also in the Vet business and will be sure to spread the word after I canceled my policy.

I had this insurance for the last 2 years for my dog, it was offered as part of my work health plan, so I thought it would be great to have in case anything ever happened. I paid my premiums for over a year and a half and never made a claim, then my dog injured himself and it turned out to be a crucial tear in his knee. $4k in Vet bills later, I submitted my first claim.

I would rate zero stars if I could. I purchased Nationwide’s top of the line insurance plan for two of my cats. The coverage includes accidents, physical wellness and dental wellness. The premiums were offered as a group discount through my employer at around $72 a month for both cats, with a $250 annual deductible for each cat plus 10% coinsurance. Given the cost of Vet bills, this seemed worth it.

I think this isn't a real insurance company, but more of a scam company posing as an insurance company. I found a clause that basically allows them to claim anything they want as a pre-existing condition so that they don't have to pay out. It is a total waste of money and I think it's really a means to help you lose cash while helping your pets die. Just save your money for the vet visits. I've never been able to get them to pay for anything as somehow it always falls under pre-existing condition even if its a one time accident. I can sometimes get them to pay out a little on the wellness visits, but anything other than that forget it. In my opinion, the only thing that will make these people sad is if your pet dies so that they can no longer steal your cash in return for nothing. Do not buy this insurance.

This Insurance is a big scam. I purchased the most costly full coverage for my kitten. Unfortunately she got sick about a Month after. I submitted first claim over 2 month ago. Send them all paperwork as well as my vet send them everything they requested. After a month and a half when I called to find out why I don’t have any response, they said they will look at my claim when they get to it since they have more people in front of me. In my contract it stated that it takes 30 days or less. My poor kitten was very ill and my vet and I were doing everything We can to help her to get well. I thought this insurance will be “on my side “ like in their commercial, and will gave me a hand when I needed most... Over 2 month later still did not hear from them, very frustrated. I would not recommend anybody to use Nationwide Pet Insurance!!!

Nationwide is not a typical insurance company, but it works. Breakdown: if your pet has a pre-existing condition the claim will not be approved. The older your pet is, the more expensive your plan will be. If you deplete your benefit amount for that policy year, it won't be paid out if the same incident happens again. I have this insurance because it'll cover PREVENTATIVE care which are the checkups, shots, flea medication, heartworm preventative, chips, etc. My plan also covers any major accidents, but the downfall is that whatever the diagnosis is there is a set amount for it for the policy year. If your pet suffers from that same condition and you've already been reimbursed for the amount, you may not get paid out again if you've been refunded the entire benefit claim amount until the next policy year. I have another insurance company for my dogs as a backup that will cover the remaining amount.

We purchase a insurance for our dog and all claims got denied. They said my dog had a pre-existing condition. My dog is 1 year old and I purchase a insurance when he was only 1 month. Please share this so they would not do again. Worst service ever.

Submitted a claim for my pet on 1/24/18. Still have not received payment. They keep claiming they need medical records, just like the other reviewers have stated. My dog had surgery for an ACL tear that we were hoping would heal on its own but after several months of trying to treat it clinically with no improvement, we opted to have the surgery this past January. I called Nationwide back in October when we thought that the surgery would likely be necessary and they told me I'd be entitled to $1300 reimbursement if he had surgery. To date, I've received nothing but aggravation. After 7+ years of collecting premiums for a pet that has thankfully been healthy they refuse to pay my claim. I've filed complaints with the BBB, Department of Insurance, now ConsumerAffairs. Save your money... Do not buy this insurance. Under VPI they were so much better.

If looking for pet insurance, please look elsewhere. They have denied several claims that were submitted to them. They will keep requesting medical records. Even when they do have all your pet's medical records, they will still continue to ask for them over and over and then they will continue to deny your claims. Also they will keep increasing your premium yearly. My dog had a bad reaction to a medication and we had to rush her to the nearest emergency hospital. And yes her claim was denied. The reason stated was they needed medical records. DON'T WASTE YOUR HARD EARNED MONEY!!!

I insured our new rescue with Nationwide on Dec. 24th and on December 26 we picked her up at the rescue and took her to the vets on Dec 28 to be check because her papers said she tested positive for heartworm which was in September. Our vet wanted to do an xray and blood work to make sure she was clear. She also did a stool sample. Xray and blood came back all clear and no damage done, but she was loaded with hookworm and whipworm so we started her deworming process. I submitted the vet bills and Nationwide declined payment because they said it was pre existing. I understand about not paying for the xray and blood work, but to not pay for the worming. I have been with them since 2003 on our first dog and again since 2014 with our second dog and now with our new baby. I am in the process of looking for another insurance company and would never recommend them to anyone.

I pay a monthly premium for Nationwide Pet Insurance, and they deny my claims or pay them at a much lower amount than advertised. They hooked me in by saying there is no annual limit, but failed to tell me that there is a limit on each diagnosis or procedure. For example, my dog got an CT scan for one medical issue, and then 6 months later needed a CT scan for a different issue. That is when I found out that they wouldn't pay for the second CT ($800) because my dog had maxed out on CT's. This kept happening.

I have the Nationwide whole pet with wellness plan on my three Maine Coons cats and had it on my Maine Coon who passed this year. In December 2017, one of Maine Coons became sick really fast. Two emergency vet visits and a hospital referral. Well after 4 days in a hospital ICU, and over $6000 later, his diagnoses came back as Stage 5 Lymphoma in his spine/central nervous system and it had progressed to his kidneys. He had a small eye issue on Dec 10, and a comprehensive blood test, as well as urinalysis, were done and everything was good, he was perfect. It wasn't until Dec 21 when he started to decline. All it took was 10 days from start to finish. He was only 17 months old and never had any prior issue during his life. The only time he visited the vets for regular check-ups and neutering. Just like that, he went from healthy to terminally ill. We had to say goodbye on Jan 1, 2018.

I signed up for this pet insurance in December and a week later my pup had to go to the vet and get x-rays. The whole ordeal cost me $440. My 'deductible' is 250 and of course, I met the amount but Nationwide has made it impossible to get reimbursed. They've been asking for medical records and more time for their team to review the documents. It's been 2 months and I was told that they should have everything cleared up by 2/19/2017... so when I called back today they told me that their expert team was still figuring the medical records! Are you kidding me?!

DO NOT FALL FOR PURCHASING THIS INSURANCE! I had used their wellness policy for a couple of years and then upgraded my policy last year to the Whole Pet with Wellness so that I could rest assured that my fur baby was completely covered. I was sold on this policy by the mere fact that it included dental where other companies did not. Unfortunately I discovered that the dental coverage offering is just a big lie. Basically if you take you pup in for their first routine dental cleaning they are not going to cover it because if there is any tartar it is considered a pre-existing condition!!! I just spent $900 at the vet only to find out the hard way that none of it was covered!!! My vet, who also had this insurance, was appalled because she said ALL dogs have tartar!!! Needless to say, I believe neither of us will be using this fraudulent insurance company anymore!!! Don’t be fooled!

I signed up with VPI 7 years ago when my kitten was 4 months old. At that time I had the best coverage VPI offered. Then Nationwide took over. My cat has been healthy his whole life so other than his wellness visits we have made very few claims. A few months ago we started treating him for a URI, then pneumonia but he was not responding. Several very necessary tests and x-rays later, he was diagnosed with lung cancer and it had spread to his brain. I submitted $2000 in claims and only received about $500 reimbursement.

Submitted claim & was told reimbursement would be direct deposited into my account - a month later, NOTHING. We have spent hours chasing down the money we were told would be sent to us. PLEASE look elsewhere for pet insurance. There are other reputable companies out there. I would not wish this on anyone. If there were a way to give a zero star rating I would. Next stop Better Business Bureau!

I purchased Nationwide Pet Insurance because my employer offered payroll deduction. I was told it was ok. They were senior cats (the cats had been in good health). But a couple months after enrolling, my cat was not eating well. I took him in and he is in early stage kidney failure. They won't cover anything because they say it is pre-existing even though blood work 6 months prior before dental showed no kidney issues. I wanted to leave a bad review on their website (which has all glowing reviews), but there isn't anywhere to submit them, go figure. It's a total scam!!! Save the money for emergencies instead.

It is a scam insurance ever. I was offered by my new employer to switch from my pet insurance that I have been happy with for 8 years. I was hesitating, but the sales of Nationwide insurance convinced me that it would be a smooth transition and as long as my dog does not have any chronic preexisting conditions that she has been medically treated or diagnosed before I should have no issues with any of my routine visits and incidents. Well all of that was a big lie!!! I took my senior dog to a routine care vet appointment as she was due for some vaccinations and a senior panel blood test. And then did multiple other routine care tests as it was All supposed to be covered and included in my policy.

I had insurance through its predecessor, Veterinary Pet Insurance, which had been good up until my last dog's last illness, at which point it dragged its feet in paying what it owed under the policy. Bought another dog right afterwards & insured again, and found Nationwide, which bought VPI, more reliable, though had no major health issues until recently. Veterinary hospital I was referred to said Nationwide is excellent. I hospitalized my dog there for two days. He had incurred an infection from somewhere, though hospital not sure where or which one. Nonetheless, the care there is excellent and expensive. I submitted bills of $3700 to Nationwide. Today I was informed by email that are reimbursing me $545. Annual premium has risen over the years to $800. I relied on insurance to incur big expenses I might have avoided - by choosing less expensive facility - had I know this is how Nationwide would treat the claim.

I was misled about this insurance involving the copay and how the annual $250 deductible works. I got whole pet with wellness insurance for my two dogs. I explained to the agent I needed dental cleaning for Max and it was recommended by my veterinarian. My 5 year old male dog got dental cleaning and needed three extractions. When I submitted my claim, it was denied. When I called to ask why, I was told the claim was too expensive. I had to submit medical records for the last year to prove I didn't know he needed extractions. I felt like I was lied to about the deductible because I was told a percentage goes to the deductible over the year, not the annual $250 deductible gets paid first and then you get 90% of whatever that is back.

Nationwide bought VPI. It got even worse! In fact they probably have got worse. I have been a customer for over 20 years and swore when I needed new insurance for other pets I would never go back to VPI. I was talked into returning by a sales pitch by a Nationwide representative who promised me that things were going to change under their tutelage. So far that remains to be seen. After submitting 2 claims for my 4 month old golden retriever puppy who developed a urinary tract infection in early September I have yet to receive any reimbursement whatsoever. What I have received is letter requesting medical records, and for a 4 month old puppy that consisted of one other record that stated she was in excellent health. Then I receive another letter stating they needed another 30 days to review that one-page document! Are you kidding me? 60 days to receive even an acknowledgement or reimbursement, outrageous.

Wrongful denial of the claims for payment of life saving medical services performed for our dog, Max. Your denial was not only wrongful, but also in bad faith as it has absolutely no basis in fact. Therefore, we ask that you re-consider your denial and reimburse us for all claims submitted for payment. Below is the timeline of pertinent facts that will assist you in your investigation:

In hindsight, I wish I had paid myself $30/month during the life of my dog and used that money to pay the recent higher vet bills than to have paid for this pet insurance for my dog. For most of my dog's life, the insurance was under VPI. Also, for most of his life, I paid for the insurance and he did not have any issues, but now that he is older, he has had some problems. One thing to note -- they exclude anything to do with a dog having worms, under the major medical plan. Also, after paying into this for so long, I would have expected the policy to cover more than just a fraction of the vet costs. Instead, there is the deductible, and then there are some type of limits on what they will actually pay for different conditions or treatments. Overall, if I had to do this again, I would NOT pick this pet insurance. I never had to make a claim when it was under VPI so I can't speak to that. I insured my cat under Trupanion instead.

I'll start by saying the 1 star is solely because it won't let me give 0. We've only had Nationwide for 2 months for our cat, and it seemed like we were getting the most bang for our buck. Buzzz. Wrong. While it seemed like they cover pretty much everything that can go wrong, they actually cover literally nothing, or rather, they'll choose how they classify customer's claims so that they don't have to cover anything. We submitted 2 claims thus far since signing up with Nationwide, and they were both denied.

We have been paying to insure 2 cats for over 5 years now and have never been late for a single payment. Thankfully we didn't have any issues with our cats the first 4 1/2 years we had insurance, but our luck ran out. One of our cats broke her right paw and our other cat got really sick. All in all, we spent over $1200 in vet bills with both cases and what did we get back from Nationwide? 2 letters that said we were getting $0.00 back. That’s right, not a single penny was covered. We contacted our vet to make sure the proper codes were used and that the forms were sent out properly and they were. I got in contact with Nationwide's CS dept and it was without question one of the worst CS experiences I have ever had. The CS rep was rude, dismissive, and completely unhelpful. After calming down from the CS phone call, I called back and immediately cancelled both policies. This company is an absolute fraud.

I pay $834.13 annually for each of my two dogs and have had Nationwide (VPI) since 06/2015. (I wouldn't pay this much for my own insurance). When the topic comes up, people often tell me, "Why don't you just put that money into savings, don't spend it and if something happened you could just pay for it". $1700 over 10 years, with interest would be about $18,000. I liked the sense of security that came with pet insurance, but with each claim I've submitted that sense of security has diminished. I enrolled because Nationwide's wellness benefits page seemed reasonable, but there is a lot of invisible print. In the past 13 months, I submitted a grand total of one $15 claim on each dog for a nail trim. According to their benefits page is covered up to $20. I've had no other claims since 08/2016 (which was for regular checkups-which they've covered 50% to 75% of the cost of).

I purchased The Wellness Pet Insurance for my two cats aged 11 and 6. I was told I pay monthly for the plan and as soon as I take my pets I can start getting reimbursed. That was not true, I called to ask about my claim I submitted and then I'm told I have a $250 deductible for each cat. In total their plan together was $950 for the year plus $250 for each cat and then the plan would cost $1450 for the year. Only after you spend $250 on each cat then you get 90% back of what you spent on vet bills. Both my cats are healthy so it's useless to have it when shots for both only cost $350 out of pocket. I faxed both cats' vet documents to underwriting but yet they are too ** lazy to review the documents.

Many of you are pet lovers and debating which insurance company to cover your pets. We have been paying monthly premiums for the last 12 years for the best policy Nationwide Pet Insurance (800-540-2016) had to offer just to cover our two cats. Recently one of our cats was diagnosed with kidney disease. One of the vet bills was for $175 with a reimbursement check for only 18 cents!

I choose Nationwide due to my employer providing and also speaking to representatives of Nationwide beforehand which basically told us submitting a claim was easy and simple generally paid within 2 weeks time. We had the full coverage and wellness for the dogs. I had three dogs on the policy that are well taken care of. When we placed a claim for one of our Pomeranians to have her teeth cleaned through the vet (as recommended) for the first time (as she generally had her teeth cleaned at the dog spa with her grooming). She had no extractions and was in very good health. After submitting the claim and following up with Nationwide they finally sent a request two weeks later requesting her medical record. The record was sent three times and in the system that takes 48 hours to update. Extremely old and outdated system.

DO not sign up for pet insurance through Nationwide Pet Insurance. They charge an arm and a leg and tell you they will cover you and your pet and then they dont after the procedure is over. They are rude over the phone and are thieves. Save your money and your heartache.

The only reason I gave it a 1 is because they were previously VPI insurance and I had no complaints. Do not use Nationwide. I wish I had done the research and read these reviews prior. I have had them for 10 years. The premiums have gone up tremendously and not only do they reject 98% of my claims, they have paid almost close to nothing when a claim is approved. For example, on a $100 claim, if they accept it, they send you a check for $5.00. They make up exclusions that are conveniently not on the policy packet you receive when signing up. Please save your money and take it to a better business. I have a small claims pending! They shouldn't be allowed to do this!

We have two dogs insured with Nationwide. Lona is 10 years old and Mattie is 9 years old. We have had Lona since she was a puppy and the insurance coverage for her is solid. Absolutely no complaints. Mattie is another story. We rescued her when she was 7 years old in July 2105. Initially there were multiple issues. Understandably, there were startup issues: vomiting, diarrhea, etc. Mattie was really stressed after being uprooted from her home of 7 years where she was well cared for.

I purchased my plan through my work as a benefit. I purchased the pet insurance through VPI for my 2 beagles. We were happy with the service and coverage, as well as the cost for the 2 dogs. Unknown to us VPI changed to Nationwide. We found this out after submitting a claim and it was not covered, when it was covered in the past. And our cost went way up. Now, every time we submit a claim there are always some type of explanation why things were not covered. They usually blame it on the deductible not being met. When we looked through all our past claims they only applied $24.00 toward the deductible for the first 6 months of the year. We submitted several hundred dollars in claims during that time and only $24 was applied. Looks to me that they intentionally do not apply anything to the deductible throughout the year so the deductible is never met and claims do not have to be paid.

I signed my Labrador up for insurance when I first got her. I did my research and went with VPI. They were great and I was very happy with them. The plan was good and payments made sense. Since Nationwide Pet Insurance has taken over, the percentage of a bill that they are willing to cover has gone way down. It's a fight to get anything paid and when you call for explanations they hide behind several pages of rate explanations. Unfortunate for many pet owners you are trapped and cannot change policies due to preexisting conditions. So your only two choices are to except the fact that you are paying for a bad policy or to go without insurance for your pet. So please do your research and not rely on the good reputation that VPI had. Be sure to look at this company from the point Nationwide took over.

When we adopted our dog, we thought that we would invest in pet insurance for those big ticket items that could set us back. Long story short, Nationwide decided that our dog had an allergy condition and this was a pre-existing condition and not covered. They manage to link every vet visit to the pre existing condition and deny the claim. I would have been better off saving my $42 a month premium and paying it out of there. This company is such a scam.

Do not buy, they advertise covering 90%, but they don't tell you the allocated amount is super low. Figure if lucky to get back 50%. Recently had to put my dog to rest, $595 bill got reimbursed $64. Much better choices the VPI – Nationwide.

We used VPI for our last dog and had great service so when we got a new dog we used them again. Then they became Nationwide. The plan costs the same but you get way less. Our Dalmatian just had to have $3500 surgery for urate stones. We got $825!! What the heck? I called them and they said that urate stones are not covered. Why not? I would switch to PetPlan, which covers everything, but now he has a "pre-existing condition". So we're stuck with this plan. Or we could switch to something else and hope his prescription food keeps him from getting stones again. I thought "major medical" was just that. I wonder how many other things just suddenly aren't covered. Someone mentioned class action suit.

Do not use Nationwide. I wish I had done the research and read these reviews prior. I have had them for 2 years and after incurring several large vet bills, they spent a month and a half processing my claims. After that period, they rejected all and paid nothing. They make up exclusions that are conveniently not on the policy packet you receive when signing up. Please save your money and take it elsewhere. I have cancelled all of my policies.

Nationwide was very disingenuous, deliberating giving us the runaround to refuse coverage, which we think was age related. In late May 2017, we tried to apply to Nationwide's new Wellness Plan for our 9-year-old West Highland Terrier (Edgar). Though healthy dog with no pre-existing conditions, they spotted an prior incident in his records of vomiting. At the time, our vet considered it as a minor stomach problem and recommended treatment with an OTC Pepsin. Edgar never experienced the vomiting again. However, Nationwide labeled the condition as a serious "bilious vomiting disorder".

My puppy got pneumonia in March. After $10K in treatments, it took Nationwide Pet Insurance until the end of June to deny the claims. They said since she had a stuffy nose prior, the pneumonia was a pre-existing condition and will not cover ANY of the treatment. From what I have read, many people have been scammed the same way and denied the coverage they paid for. I WOULD NOT RECOMMEND Nationwide Pet Insurance!

I purchased Pet insurance for my dog. It took almost 2 months for Nationwide to approve my application. Then about 2 months after I had the policy, I put new flooring in my home and my dog injured herself when she jumped off the bed. She had to have surgery on her elbow. The insurance claimed it to be a preexisting condition. So nothing was covered. Not the original vet visit or the x-ray. Not the surgery or the follow up or any of the Meds. And the worst part is they would not even apply the $4000 I paid out toward my $250 deductible. Save your money and don't waste your time. It took them over a month to process the claim. I cancelled the insurance immediately.