Nationwide Pet Insurance

Nationwide Pet Insurance

 3.9/5 (611 ratings)
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About Nationwide Pet Insurance

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Nationwide Pet Insurance, previously known as Veterinary Pet Insurance, or VPI, provides coverage for dogs, cats and exotic animals. Exotic animal plans cover birds, reptiles, amphibians, rodents and goats. Pet owners can choose from four insurance plans, including basic coverage and full wellness coverage. Costs are reasonable, and the company offers discounts. Customers can get free quotes online for dog and cat insurance but need to call Nationwide for exotic pet insurance quotes.

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    Overall Satisfaction Rating

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    Pros

    • Multipet discounts
    • No maximum age limit
    • Covers exotic pets
    • Wellness coverage

    Cons

    • No online quotes for exotic pets
    • Limited plans for older pets

    Bottom Line

    Nationwide Pet Insurance covers dogs, cats and exotic animals, offering basic plans and comprehensive wellness coverage. Nationwide offers coverage to pets of any age, though plans are limited for older animals.

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    Page 5 Reviews 100 - 130
    Rated with 1 star
    Verified Reviewer
    Original review: July 3, 2019

    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.

    Last year, I was notified that my automatic payment did not go through, due to a change in my debit card details/ expiry date. I went into their portal to update my card, and when I hit submit (on both policies) it deducted the remaining payments for the year. I rang their customer service hotline, and was told there was nothing Nationwide would do. I did not want $1,600 coming out of my bank when both policies were up for renewal. I was told that I would be posted a renewal notification and can revert back to monthly payments then. This year, I got a notification from my vet that my dogs were due vaccinations. This prompted me to go online to check my policies. I was surprised to learn that one of my dog’s policies had lapsed.

    I called Nationwide, and they created a new policy, even though I offered to backdate the couple of months monthly premiums. Within a few weeks, my dog fractured his leg. I submitted my claim and the claim was denied. They said there was a 12-month waiting period for new policies, something that was not discussed with me at the time of renewal. The fact I had been a loyal customer since 2011 mattered for nothing. I would never have renewed this policy had I known it would be another 12 months effectively paying premiums without coverage. My advice is that you shop around. Since leaving Nationwide (petinsurance.com) I discovered that there are better and cheaper pet insurance companies, that offer immediate insurance starting straight away.

    16 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: July 1, 2019

    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.

    Being a long term customer doesn't matter to them. They routinely lose claims, pretend they can't "see them clearly" from your emails, deny claims randomly even for things that are covered, pretend they never got an email, and generally take advantage of you when your pet is sick and you're stressed and upset already from seeing your fur buddy in pain. They prey on you at the worst times when you're really worried about your pets and they know you won't have the strength to fight back. VPI was better before these guy took over. Claims were faster, they didn't take advantage of you, they paid what was covered, they didn't pretend that your signature didn't look right and that's why they denied your claim. Stay away. There are other companies.

    26 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: June 28, 2019

    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.

    19 people found this review helpful
    Customer increased Rating by 4 stars!
    Verified Reviewer
    Resolution response: July 9, 2019

    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.

    Original review: June 28, 2019

    Several months ago, a representative from Nationwide came to my company (Blizzard Entertainment) and participated in the annual health fair. He was SUPER nice and convinced me to purchase pet insurance for my two dogs - which would be directly debited from my paycheck every 2 weeks. Total cost was around $80. The insurance covered almost all major issues and had a $250 deductible.

    Fast forward to now - Blizzard laid me off a month ago and I recently got a letter from Nationwide saying I need to call them with new payment info to continue the policy. Understandable. So I called today and the phone rep told me to continue my policy for ONE dog only - it would cost me $180 upfront and then $40 per month (of which the first payment is already due). So basically $220 today. Shocked, I asked why the $180 fee - and she said that it was to "bring my account current." I said, "Wait, the fees were directly debited from my paycheck. There's no late payments due. And I've never received any correspondence ever saying my account is late."

    She said, "I understand. But this is the fee." And again, I said "But I saw the money being directly debited from my check. I can show you proof. And regardless, this is between you and Blizzard who signed an agreement with me that said fees would be directly debited. It's in no way my fault. And either way, the fees have been coming out." She sat there and finally said, "Sorry, sir. I totally hear you. But this is what you have to pay to move forward." Then I said, "This is extortion! You are holding my policy ransom and demanding I pay fees that I don't owe in order to continue." She of course said, "Sorry you feel that way. There's nothing I can do." So I hung up and you can be sure I will NEVER do business with this scam of a company anymore. What they are doing should be illegal. I highly recommend that everyone avoid them at all costs. And frankly, if it wasn't such a small amount of money, I would consider seeking legal counsel for this.

    10 people found this review helpful
    Rated with 1 star
    profile pic of the author
    Verified Reviewer
    Original review: June 19, 2019

    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.

    16 people found this review helpful
    Rated with 1 star
    profile pic of the author
    Verified Reviewer
    Original review: June 17, 2019

    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.

    16 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: June 13, 2019

    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.

    8 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: June 5, 2019

    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.

    20 people found this review helpful
    Rated with 1 star
    profile pic of the author
    Verified Reviewer
    Original review: June 3, 2019

    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!!

    10 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: June 3, 2019

    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.

    14 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: May 30, 2019

    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.

    20 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: May 24, 2019

    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.

    15 people found this review helpful
    Rated with 5 stars
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    Verified Reviewer
    Original review: May 22, 2019

    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!!!

    19 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: May 21, 2019

    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.

    8 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: May 16, 2019

    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.

    However, with the amount of complaints I was still concerned. On May 1st, our big fluffboy started limping very badly. He didn't want to put any weight on his front paw. We weren't sure what happened, and ended up rushing him to the vet. No breaks, no fractures, but they had to put him to sleep for the checkup because he was so scared. They even shaved his shoulder to check for injuries, but there wasn't much to find, so it was probably just a bad sprain.

    Anyway, I submitted my claim on May 2nd, with all the paperwork from the vet attached, and fully expected to get the run around. Today I got the response that the claim was accepted and they're sending a check. No hassle. I just made sure I turned in necessary information and explained what happened and it went very smoothly. Took about 2 weeks. Needless to say I'm very happy right now and glad I have him covered. The coverage has paid about 70% for itself already and he'll still be covered until into the beginning of next year. It's been worth it for me, at least. Even if I don't have to use it again - and hopefully I don't need to - the peace of mind will be worth it.

    18 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: May 16, 2019

    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.

    11 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: May 16, 2019

    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.

    15 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: May 16, 2019

    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.

    Their underwriters never saw my dog, and yet diagnosed her themselves and stamped her policy as such. In the multiple times I appealed this issue, my vet even wrote a letter stating she was not diagnosed and they had no right to say she was as they had not seen her. Nationwide's underwriters even claimed her receipts and documentation said she had **, when in fact it stated nothing of the sort. My vet has now told all clients not to use Nationwide, and will never suggest them again. I dropped them and cancelled my policy after submitting a recent WELLNESS visit and testing and they denied it, despite me paying for it. Terrible, terrible customer service as well and very poor and nasty representatives. I have a disability and they wouldn't adhere to ADA rules to help me either.

    13 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: May 14, 2019

    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!

    My dog was only one year old and didn't have any serious medical issues so she wasn't going to the vet on a weekly basis which I tried to explain. I finally reached my end when the representative spoke rudely to me during this call and talked to me like I was stupid or didn't understand the issue. I was told I would have to create a letter explaining why there was a 7 month gap for my dog going to the vet, which I find completely unnecessary. All my other claims were denied due to me receiving a "discount", being "congenital" or saying they needed more information/records. I even paid for the additional pet wellness for one of my dog's based on it's partial coverage of spay.

    Once I submitted, what did Nationwide say? Denied. "We will not pay for diagnosis or treatment of any condition resulting from or associated with breeding or pregnancy, including spaying or neutering." Isn't this the point of spaying, to prevent breeding and pregnancy? This was a complete waste of money and time and seems they make every effort to find a reason not to pay out a claim. My medical insurance is easier to deal with.

    Even when I called to cancel, they halfheartedly tried to convince me to keep the policy and I explained how I didn't appreciate how the representative spoke with me yet they never apologized or tried to make things right. They only asked me to give it more time for them to process the final remaining claim! Why would I want to wait longer, only to be denied again? I felt they only wanted to stall so they could get more money from me to keep coverage while they figured out a reason to deny another claim. Don't waste your time or money with this company.

    13 people found this review helpful
    Rated with 2 stars
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    Verified Reviewer
    Original review: May 13, 2019

    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.

    3 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: May 9, 2019

    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

    19 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: May 8, 2019

    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.

    15 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: April 30, 2019

    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.

    I do not know why that is stated in the medical records, but I can't even confirm the statement because Nationwide refused to give me the medical records with that statement. They claim that I have no right to see MY OWN DOG's medical records that they solicit without my knowledge or consent. I have had multiple claims denied with Nationwide on the basis of pre-existing conditions, that seems to be their easiest way to not have to pay out any claims because there is nothing you can do to prove it otherwise. Nationwide enjoys taking my money, but they sure don't like to pay.

    12 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: April 27, 2019

    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.

    2 of our dogs ran over 4000 a year—Their number 2 plan was only 10 percent less than their whole wellness— and had a max cap of 10,000 dollars. Why would you do that? Even if you have the $, it’s a rip off. Go to Healthy Paws— they have no Wellness which as I believe is a waste, and have 80/20 or 70/30 based on the age of your pet but their premium costs are 66% less and they have no maximum for accident and Illnesses. We would be paying after the increases over 9000 a year including the deductibles.

    11 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: April 25, 2019

    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.)

    I applied for the insurance and answered all of their questions honestly. They said they needed vet records from the last 12 months to process my application. So I gave them the contact information for my current vet and my last vet. They said they would contact them for medical records. A week went by. I tried to be patient. Another week went by. So I emailed them. They said they needed additional records from my last vet. I explained that I already gave them that contact info the day I applied for the policy. But for two weeks they didn't contact them? Hm. Doesn't seem like a great start.

    Another week goes by. I call them. They said they're reviewing the records. Then I get an email that I need to contact my old vet because she hasn't sent the records they requested. I explained that I left that vet on not great terms because of her behavior. So I offered to send them all the records that I had. They said okay.

    Another week goes by. It has now been four weeks since I applied for the policy. I call them again. And I am extremely frustrated by all the nonsense. I just want my dog to have insurance. The woman on the phone explains that the policy isn't active yet. And that once they review the records I sent (a full week before) they can approve the policy, and THEN my two-week waiting period will START. So it will be six weeks minimum from the date I applied for the policy until my dog has coverage.

    I told them not to bother and to delete all of my information from their databases. I ended up going with Embrace Pet Insurance. I'm much happier now. My coverage was active within two weeks of my application for the policy. I didn't have to call them repeatedly to get them to do the basic minimums of their jobs. The customer service reps at Nationwide were nice and professional. But the run-around from the company was absolutely the worst. I would never do business with them. In fact, I'm looking for new car insurance now as well because it infuriates me to give them even a dime. Run away. Run far away.

    9 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: April 24, 2019

    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?

    8 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: April 14, 2019

    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.

    Since my dog is getting a teeth cleaning, it will be cheaper and safer to do it at the same time; so then agreed. $1500 later, this insurance denied my claim. They denied the teeth cleaning because they said she had tartar on her teeth prior to teeth cleaning and therefore, it's pre-existing condition. This doesn't make sense to me. It's a routine teeth cleaning and that's why I do the yearly teeth cleaning because they do get tartar on their teeth. They also told me that the tumor removal was pre-existing. I mentioned to them that all this time I thought it was a mole because she has had it, so when the doctor said it wasn't, and recommended to have it taken out then of course I would agree to it.

    I sent a letter to them pleading my case, and of course took them over a month only to deny it again. Now they are claiming they changed their diagnosis from one diagnosis to the other for the tumor but still a pre-existing and that the teeth cleaning is still pre-existing because she had tartar and allergic reaction. What?? Now they are talking about an allergic reaction? What does that have anything to do with teeth cleaning?

    I am so pissed at this company. They are good paying the small amount, but if your claim is a lot, they will find a way to make it pre-existing. I will be sending them another letter to let them know that this is unacceptable; and I expect to get paid for the services done and that I will also send a claim against them on BBB if they don't resolve the issue. I will continue to fight this claim because it's the principle that counts because they can't do this to people. I will cancel this insurance as soon as I can. Unfortunately, they don't allow you to cancel until a year after you signed up. Stay away from this insurance - sounds great at first because they pay 90% but for the services they felt worth paying. If you claim a large amount, they will send you a denial - stating it's "pre-existing" and will come up with some medical language that they hope you will not understand.

    13 people found this review helpful
    Customer increased Rating by 2 stars!
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    Verified Reviewer
    Resolution response: April 19, 2019

    After three calls with three different reps, I got LUCKY! … the third rep actually helped and did a vet-to-vet thing where they got all the paperwork in without me having to do the leg work. She followed up every day and called me to give me a status daily.

    I got full 90% reimbursement.

    I upped them to 3 stars, because of the last rep but not more than 3 because of these continuing deficiencies:

    1) Website says deductible is $100.. It's actually $250
    2) Still never gave me a valid reason why they wouldn't initially reimburse the wellness exam and had to wait for history.
    3) the fact that I had to go through 3 people to get some answers is ridiculous.

    4) false information when you go through employer. They should disclose: Send history on January 1st so we stop scamming you out of premiums that we will not refund you if we later decide your dog has histories.

    It really has been a horrible experience, but at my dog's age, I cant drop this insurance and go to another one. New dog comin next month, I'll stay away from these guys.

    Literally how this experience has felt: Nationwide motto: Collect as much premium as you can, delay claims specially if they are going to decline, so you can collect more premium, Payout as least as possible.

    Original review: April 11, 2019

    Got it through employer. February do wellness check. Dog has heart murmur. I submit the exam. Wait and wait... At 28 days of waiting, I went ahead for EKG for heart murmur. Submitted claim for EKG too. 2 weeks later, magically both the wellness and EKG get reviewed on same day. Both require now 2 years of medical records. Well, why didnt you tell me this before I signed up? FOR EMPLOYER PROGRAMS, WE APPROVE EVERYONE AND THEN ASK FOR HISTORY ON FIRST CLAIM!!! So thanks for 3 months of payments, now we'll just turn you down.

    Hey, she didn't have heart murmur before the wellness. Why won't you reimburse me for the first wellness exam? Oh well, 30 days later the EKG indicates that she had heart murmur... But you didn't know that until the second claim... Yeah, well.. Thanks for your $900 a year. We'll cover your vaccinations with our $250 deductible and try to never pay you. STAY AWAY FROM THIS SCAM!!! EMPLOYERS SHOULD BE ASHAMED TO OFFER THIS.

    8 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: April 9, 2019

    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.

    11 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: April 5, 2019

    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???

    In the end 74 days 2 1/2 months later they said it wasn't covered under my plan???? I had chosen this under guidance of an agent and still got scammed. I paid $52 per month for 6 months and no coverage in the end, no communicate through the process unless I made the phone call in. No email. No phone calls generated from Nationwide. They sent a letter in the mail to inform they will not be covering anything. So they stole $52 a month from me under false pretenses. Nationwide is the worse company I have ever dealt with.

    11 people found this review helpful
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    Nationwide Pet Insurance Company Information

    Company Name:
    Nationwide Pet Insurance
    Formerly Named:
    Veterinary Pet Insurance
    Address:
    P.O. Box 2344
    City:
    Brea
    State/Province:
    CA
    Postal Code:
    92822
    Country:
    United States
    Website:
    www.petinsurance.com