Nationwide Pet Insurance Reviews

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.

I purchased pet insurance on my first dog about 4 years ago. I recently adopted/rescued my second dog. Nationwide has NEVER covered any claim on my first pet. My second dog was seen by the vet and deemed healthy. About a month later I took him in and he needed 2 antibiotics, steroid shot and medications. I submitted the claim for over $500.00. They have continued to contact me for additional vet records for the past year. I don't have any. They required a letter from me showing I just adopted him and they are now taking 30 days to review. They always want to quote you the policy when you call before they will answer any questions. I feel they look for any reason to delay or deny claims. I am paying over $70.00 a month for both dogs in good health. There is also a deductible of $250.00... wondering which is cheaper... just roll the dice that they do not get a terminal disease... Very frustrating.

If I could give 0 stars I would. In March 2017, I decided to enroll in pet insurance through my job. My policy took effect May 1, 2017. Unfortunately, my dog had to have her right ACL surgery in April (so I knew that the pet insurance would do no good for this). While rehabbing her right leg, she tore her left ACL. Because this is such a big problem with dogs of all sizes, I figured, okay my insurance will cover her the 2nd time around. I went to the vet yesterday (June 15) and we scheduled to do her left ACL surgery on June 27th. This is after they took a X-ray of her right leg and decided it was good to go.

Since Nationwide took over from VPI they have consistently increased reduced coverage and increased premiums. But the worst is that they deny nearly every claim with some spurious "reason". I have complained, I have threatened them with the California Attorney's General to little avail. Our cat is 17 years old and we have been paying her insurance since she was five, for just such an instance when she would need care towards the end of her life. That is the contract we make with the insurance companies and that is the contract they have broken. I hope that someone can bring them to justice. Class action lawsuit anyone?

I have had 2 policies for my pets for nearly 13 yrs. with VPI (now Nationwide). I've never complained about pricing or anything for that fact, but recently my payments went up almost $20.00 per policy a month. This may not seem like a lot but for a payment to jump that much I figured there would be a valid reason why. So, I called Nationwide to find out and the only reason I was given is "your dogs are older". OK, well they have been older for a while now. I can see maybe a couple dollars in increase but almost $20, is what I asked and the responses I was given are "you can downgrade", "you can cancel", "you can pay higher deductibles"...

When I engaged Nationwide for my 5 year old akita in February 2017, I was informed that routine dental cleaning was included in the wellness plan. I ended up enrolling in two programs to ensure both she and I would be covered. WRONG! I had her teeth cleaned and Nationwide has denied paying for it because she had tartar and they are stating it’s a pre-existing condition. They are also refusing to cover the tooth extractions and the medication which they all stated initially was covered.

I got this insurance for my new puppy when he was three months old. It went fine until he had to actually use it for something big. He fell off of our bed and broke his growth plate. He had to have extreme orthopedic surgery and plates put his leg because unfortunately it developed into a worse situation of elbow dysplasia. Note here; Primary diagnosis: break to growth plate from fall. Secondary diagnosis: elbow dysplasia from fall and break to growth plate. Elbow dysplasia is often a hereditary condition and especially in English Bulldogs and unfortunately for the situation, that is the breed he is. However, this is not due to hereditary conditions, this is due to trauma from the fall.

I have had VPI pet insurance on my dog since 2005. I had no problems until Nationwide took over VPI. My rates always increased each year with VPI but I expected it as my dog aged and it wasn't a significant amount. VPI paid claims as I generally expected and I felt safe knowing I had the insurance so that I could provide care for my dog if or when something major happened.

We got our lovely dog Henry, a beautiful toy Australian shepherd last year so I decided to choose the highest possible plan listed (Major Medical Plan). There were NO other plans listed higher than that one. I later find out there is a plan that was not an option which covers spay and neutering. One of the main reasons I wanted health insurance to begin with. Henry has Cryptorchidism, which basically means one testicle did not drop and they need to remove one from the abdomen. It's basically double the amount because it's another incision $700 dollars. For what should be a routine neuter on a 7.3 lbs dog. Typically $250 - $300 surgery. NATIONWIDE COVERS 0% of all spay and neutering!!! Be warned!

Nationwide Pet Insurance truly is a waste of time and money. They consider everything a pre-existing condition even when symptoms are not a part of a "pre-existing" condition. They will find every way to deny your claim. Take my word for it, do not go with Nationwide!!!

I have had this pet insurance for 10 1/2 years. I had the cancer coverage as a cautionary plan. So when my beloved Coach was diagnosed with lung cancer I felt secure knowing that we could get him the best care. Up until this time Coach has been a very healthy dog. Imagine my surprise when our bill was $9000 thousand dollars and was only covered at $2000 thousands dollars. Surely this must be a error so I resubmitted the claim and they told me this is all they cover. Moving forward I had to put my Coach to sleep a couple of months later.

My shih tzu, Gizmo had a cornea ulcer which is very common in these dogs. This can happen even from being groomed and eyes not being rinsed well. This is our first claim. I have had this insurance for two years. They canceled me without even giving a reason... just said "you are canceled". Btw, it is healed. He got a clean bill of health and it finally healed. I am LIVID. Now I get this letter on April 21 and it was dated April 6. They have always contacted me on email and I DID not receive a thing. He is 9 and this is a time when he really needs insurance as he is aging. What is even worse, I probably won't be able to get him insurance through a reputable company. I was recommended to this company by the LAFD. Is there an insurance commissioner that handles pet insurance?

They have no problem taking your monthly payment, but when it comes time to submit a claim. NOTHING. I went through hoops and spoke with several managers in order to see if the procedure I was going to have done on my dog was going to be covered. They will not tell you by looking at a quote if you will be covered. They make you go through with the procedure then submit the final receipt only to then deny you. They are crooks literally. Taking our money.

My family bought VPI pet insurance, now Nationwide when we got our dog over 6 years ago. We have a King Charles Cavalier Spaniel and wanted to be prepared if she developed any health issues. We have been paying for over 6 years and about a month ago, my dog was diagnosed with a heart condition. Nationwide denied our claim telling us that it is not covered because she is a Cavalier and it heart conditions are common in this breed. In their material they called it a hereditary condition. However, I didn't know hereditary means common to the breed and not having it is the breeding line. Had my husband and I known this was the case we would have never paid for insurance for 6 years only to have nothing. They advertise they cover hereditary condition but consumers should beware because they don't.

Prior to getting the Pet Insured they said, "No problem." Now that I filed a Insurance Claim they told me that my pet dog had a pre-existing tooth condition and is not covered. They SOLD me on the BOGUS POLICY stating there would be "No Problem" with pet coverage, just needed to pay the monthly fees. BIG MISTAKE, going to file a Formal Complaint Against them for misleading me. $884.00 Lost plus monthly fees of $66.00 all for nothing. You're much better off setting up a side bank account every month to take care of your pet’s needs.

It is impossible to get reimbursed for an animal illness. My 7 year old Newfoundland had worms at 6 months of age called enteropathy and was see and treated by my vet. Now at 7 years of age she has vomiting on exertion and they will not pay the claim because they believe it is related to the enteropathy -- worms, that she had at 6 months of age. I would advise anyone to NOT use Nationwide Pet Insurance EVER. Save your money and put it in a pet savings account to pay for your animal's illnesses. This company is a ripoff and will take your money and you will pay in full for your animal's illness! This company function far better when it was VIP Pet insurance before Nationwide took it over.

I purchased a pet insurance policy for my dog in November of 2016. I paid every premium on time. My dog ended up getting very sick about two months later. Thank god I have insurance... NOPE! Immediately after I file large claims a Nationwide PRIVATE INVESTIGATOR calls me for a recorded statement. She grills me on some trivial mistake I made on the application. Then DELAY DELAY DELAY. They waited nearly four months before retroactively rescinding my policy because of some minor error on my application. I am currently looking for an attorney and have submitted complaints to the department of insurance and to the department of justice. THEY ARE AWFUL. DO NOT MAKE THE SAME MISTAKE I DID. READ THE REVIEWS HERE. THEY ARE TRUE.

I left Healthy Paws and went to Nationwide Pet Insurance because they supposedly covered wellness and dental. They made me and my Veterinarian jump through too many hoops over and over but seemed to cover nothing, nor apply anything towards the deductible of $250. They didn't have a problem taking their premium payments though. They are not the company they claim to be. In my opinion, they false advertise. I canceled my policy with them today and went back to healthy paws. I never had a problem with healthy paws, I was only looking for the addition of wellness/dental coverage. My rating for nationwide equals minus stars!

I read other reviews and went against what they said. I was wrong. Picked up our new puppy from the breeder, puppy had a small cough so I thought maybe kennel cough so I took him into the vet and had an exam. Found out the puppy had a collapse trachea. Never knew about it so I had some x-rays done to verify and submitted the claim. I bought the top of the line insurance policy paying 70.00 a month. Didn't know the puppy had this problem and the breeder never mentioned anything. Claim was denied. I was stuck with a 700 hundred dollar vet bill.

I switched from Trupanion to Nationwide November 2016. Huge mistake!!! Nationwide looks for loopholes to not pay. Absolutely everything and anything is a pre existing condition. My dog developed Hypothyroid and they claimed it was pre-existing condition. I was able to prove that was not the case since her thyroid was checked in June of 2016 and was completely fine. They still claimed that it must have been pre-existing. Her Doctor was completely appalled and will no longer recommend them EVER!!! Additionally she wound up with surgery removing a small mass cell. They also did not cover it because they felt it had to be a pre-existing condition. They have no proof it was, in fact her doctor records show otherwise. This assessment took over two months. All their claims take at least 30 days and then they ask for more time. I have had nothing but huge problems with them. Do not use them, they are scam artists.

Please do not waste your money getting pet insurance through Nationwide. I took my cat to Med Vet a few months after she was referred by our regular vet due to hyperextension. She had suddenly started walking on her flat feet. Her policy went into effect on 12/1 and she was seen at Med Vet on 12/5. I submitted the claim. Was told I needed to send her medical history. I have only had her for a little over a year and she had seen the vet 2xs prior to this trip. One for her skin, the other she was dehydrated and hospitalized due to that. So why they denied a claim for something that was sudden and not diagnosed prior to her policy going to effect is beyond me. I think they will take every vet visit and spin it to be pre-existing.

In July 2016 we rescued a dog with no medical conditions from the shelter. In Sept 2016 He got into some cupcakes so we took him in to get checked out because he had some diarrhea and was scratching at his ears. They checked for mites and said he had dry skin but still got a healthy pet check up with no issues. In Dec 2016 we decided to get Nationwide Pet Insurance just in case.

I enrolled in Nationwide (then VPI) when I adopted my beagle 9 years ago; she's healthy and has only had wellness visits, for which I was reimbursed some percentage. In December 2016, she had surgery (at age 10, her first surgery) to remove a perianal adenoma -- Nationwide reimbursed me $480 on a $1,487 bill. I'm stunned. Very disappointed.

My cat is 9 years old, and she's always been healthy. I decided to get her pet insurance last November. When the insurance was deemed in force, I took her to the vet to check out fur loss. I just noticed it--it wasn't as if my pet was mangy or bald, but I love my cat and always get care when I feel it is needed. The vet was someone we hadn't seen before, and my cat hates the carrier--but the mobile vet couldn't see us for a few more weeks. Unfortunately, my cat's blood glucose level was elevated because she screamed and cried for more than a half hour in the car! She really doesn't like carriers and the mobile vet and I have discussed this in the past.

I was looking for pet insurance after my dog had swallowed a rock and had to have surgery. After deciding to go with Nationwide looking at the plans and coverage I called and got the pet insurance going. A few days later I received a letter now saying that even though she was clear of any rocks that is now pre-existing and will not be covered. They could have told me that when I explained the situation to them. This company is not worth the effort if anyone is looking for insurance. The bad thing is I was required to pick a star and there should be a negative star.

I have been reading the reviews and I have to tell you I have had only great experiences with this insurance. I started with VPI (veterinary pet insurance) when my puppy was 4 months old and they changed to Nationwide sometime back. (My dog is now 2). I have to file 5 or 6 claims in this amount of time and I have ALWAYS been reimbursed! I have met my deductible (easy to do on one visit alone!) and the reimbursement in my last 3 visits has been 100% within 2-3 weeks. I am hoping this letter will not jinx me, but so far so good! I actually have no complaints!

Nationwide is an insurance company. Just like all insurance companies, their job is to find reasons to deny claims. We had a premium policy. When I got my puppy, she had Giardia. It was resolved immediately. Then we got pet insurance and of course told them of the Giardia incident. Since then, any stomach or intestinal issue is denied and called "pre-existing". For example, when she was spayed, she had a bad stomach reaction to the vet medications. I took her back to the vet and had her treated. I submitted a letter from my vet explaining that the diarrhea and vomiting was a result of the anesthetics. The claim was still rejected. There have been other denials from them and realize it is time to move to another carrier.

I see online today that Nationwide claims it pays 90% of vet bills. In reality, it is 90% of COVERED vet bills. Much of what your vet will charge will be deemed uncovered or will exceed the allowed amounts which are very small amounts for serious medical issues. After paying the premiums for 10 plus years, I had a large claim (about $6,000). I initially received reimbursement of about 1/4 of the claim amount, and after repeated requests, I was able to get about 50%, but no more. Do your research before you buy pet insurance. You may be better off putting the premium amount in a personal pet account at your bank.

I am a breeder of Havanese dogs. I would say I am a very good breeder and have a pretty excellent standing with my clientele. One thing I do is I cover all my dogs with Nationwide Pet Insurance... yes, even my newborn puppies. This is quite costly but gives me peace of mind. In the beginning before WholePet was offered, I loved VPI and the major medical. Claims were paid on time. Then I switched all 6 of my dogs to WholePet. My first & oldest dog (Grace~age 7) was less than 2 weeks away from switching to WholePet from Major Medical when she came down with an umbilical hernia. Nationwide claimed that this was a congenital/hereditary issue. I fought it and said, no way. There are like 7 types of hernia's and this could have been congenital in a newborn pup but certainly not a 7 year old. This was due to her straining to jump on our high bed.

After researching pet insurance companies, I went with Nationwide after a friend suggested them and showed proof of them paying for her dogs care. Unfortunately, my dog tore his ACL a few weeks later and I submitted a claim. He had no prior injuries (this was his first time ever being injured) and this should be an easy claim.

They are terrible. Do NOT get this insurance. They reviewed my pet records and then sold me the insurance with no pre-existing issues despite having access to everything. Now that I actually need the insurance and require a bunch of tests they have decided to add an addendum to the policy saying all gastro issues are void for coverage. The instances in the past with gastro issues have been directly related to a puppy eating something he should not have. The vet even called them to confirm that situation and let them know the issues now are unrelated and new. They disregarded the vet's testimony and won't cover the cost of the tests. Nationwide is garbage. They are terrible cheats and scam artists. Do not consider them. Do not call them. They are terrible. They abandoned me at the moment my dog needed it.

I have been paying for this insurance for several years, for my rescue cat. I am convinced now that Nationwide discriminates against rescue animals, as the only bill we were ever partially reimbursed for was when he fell out of a second story window and was injured. They have continually denied his health issue claims, and now I am beside myself. My boy has developed chronic bronchitis/asthma, and needs expensive medications for life now. I have a lot of insurance for a lot of different things, and have never had an issue anywhere near the ones I've had with Nationwide. They're scammers and will find any way not to help our pets by paying the bills they promise to pay when they take our money every month.

I never write reviews but had to in this case. My vet suggested I get insurance for both of my pets as a safeguard. When I typed in (pet insurance) in google, NATIONWIDE came up first. I read into it, and it appeared to be a great company. WOW WAS I WRONG! I placed a claim with Nationwide for my dog Nino's teeth cleaning. Unfortunately, my poor dog needed teeth pulled and it's been 4 months and they refuse to pay the claim. I've been calling them at least once a week and getting the runaround. Each week it's an additional piece of information that is needed, and another 30 days. I have been waiting since July 22, 2016 for a refund, but it is apparent that I am not getting one. Please DO NOT GET INSURANCE WITH NATIONWIDE. You will be frustrated and stressed by the people on the phone.

I have been paying into Nationwide/VPI pet insurance for almost 3 years - to date, I have received a $52 reimbursement for one bill. My dog is very healthy and recently, she had to have a mass on her eye biopsied - The bill totaled $1480. Just got the explanation of benefits back and they have managed to justify not paying us anything back due to the "exclusions" sections - BEWARE! They have this section for the sole purpose of "excluding" payment for any issue if they want.

I had fill out a pet claim and they said that I had to fill another one because the name on the claim was Snowflake instead of Snowny. I was upset with how long my claim was taking. The customer service was poor and she was not understanding at all. I wish we had more choices for exotic pets.

I purchased this pet insurance a year ago; Major Medical AND Pet Wellness Plan ($44.00 biweekly). Our family just got a new puppy and we wanted to make sure we didn't get caught off guard with high vet bills. You can imagine my surprise to discover that despite this coverage, Nationwide only paid $18.10 for a $617.00 procedure (spaying). Further, the other claims submitted to them during the last 12 months went towards my deductible and the amount Nationwide paid back to me was minimal. Purchasing this insurance was a mistake. Take a closer look before purchasing this insurance... I wish I did prior to signing up for it.

If I could give zero stars I would. Please do not trust these people. This company is a complete scam. I had VPI for years then Nationwide and he never had anything more than routine vet visits. On his yearly visit I was told he had a slower than normal heartbeat and that they wanted to do an EKG to rule out any heart problems. The EKG came back with a very minor level one heart block which athletic dogs and/or people commonly have.

I have been waiting since JULY for a $50 refund. I've called several times with assurances that my problem would be handled. It never was. I've since stopped using Nationwide Pet Insurance. BTW, I never had this issue when they were VPI Pet Insurance. It must be a nationwide thing.

I have had Pet insurance for 8.5 years. I work with dental insurance and know what to look for and yearly benefits and coding. Even with all this knowledge, it appears that the Major Medical Plan I thought I had was on a hidden other plan location called medical plan. This plan cost me more than the major medical and covers less-significantly.

First Nationwide customer service representatives are very professional and helpful. However, I have been waiting over 4 months for my claim. They asked for medical records and at first denied my claim saying my dog's surgery happen in 2007, when the claim was clearly for May 2016. I emailed Nationwide and called California Insurance Bureau to complain. My claim was magically under review again. Received 3 letters so far, they need 30 more days. Still waiting and no payment. To be continued...

Over the past year I've spent close to $1000 on my dog, for small illnesses (ear infection, cyst, etc) and NONE of this was covered by this insurance, and I was on the HIGHEST level plan (so paying ridiculous amounts for this coverage). The intention of having insurance is to offset the cost of simple AND major expenses with a pet. This was by far the worst decision I have made surrounding my dog, who is FAMILY and I have never been so disgusted by the blatancy of this company to be purely providing Pet Insurance to make millions of dollars off of caring and dedicated pet owners. Shame on Nationwide for taking advantage of responsible pet owners.

We have had Nationwide Pet Insurance since Aug 08, 2016 and cancelled it on Sept 17, 2016 - only 40 days later! Why? Because they immediately placed 3 exclusions on our new policy - only ONE exclusion was correct. We called on Aug 06 and spoke with Cynthia. She told us to have our Vet call their Vet and explain that Ralphie does not and never did suffer from Intervertebral Disc Disease! Our Vet spoke with their Vet on Aug 09, 2016. Review would take less than 30 days per Cynthia so we called on Aug 30 and told it could take up to 30 days and would be finalized on Fri Sep 09.

When I prepaid my pet insurance for the whole year, my pet was perfectly healthy, all medical records were sent to the insurance company as they requested it in order to pay for my claims and every time I call to wonder about my claims, they keep on telling me that is taking longer than expected. First they told me 30 days, now they tell me 45 days and nothing happens. I paid the whole year in advance and they just don't want to take any responsibility for the claims they get in order to pay the consumer back. Very bad insurance company. I will follow legal procedures against them if no payment is received on my claims.

Like many of the prior loving pet owners who had endure nothing but hardship with Nationwide Insurance I too I am disgusted with the runaround, lack of follow-up, lack of true and transparent information just to get back a simple blood test insurance reimbursement. After One year with them and 3 months they still denied my reimbursement in spite of my Vet's file and written documentations. First they stated that if when my Vet re-submitted the claim once again (4 times) that their vet will review and if was to be declined that they will reimburse a "%" of 1 year and 3 month payments.

My dog was perfectly healthy when I signed up for the major medical policy with a $14K annual benefit. Last year, she came down with some health problems that required some significant testing to diagnose. A few other problems earlier this year, and so far, Nationwide has only paid $2,716 out of $7,113 total. I have paid almost that much in monthly premiums over the last 5 years, meaning I would have been just as well off putting that money in savings account and just setting it aside for emergencies. Their customer service is horrible. They will offer you no assistance throughout the process and they will make every excuse to not make good on the services you signed up. $14K annual benefit? Yeah right. It is flat out false and misleading advertising. They should be forced out of business.

VPI was taken over by Nationwide and I absolutely recommend that you find another insurance company. I have had nothing but problems. They simply do not want to pay and will manufacture any excuse no matter how unreasonable. They paid $20 on a claim of $200. The deductibles are horrible and they don't seem to understand pet insurance and illnesses. They cannot be trusted and are totally unreasonable. This is the worst experience I have ever had with an insurance company in my entire life. I am getting rid of them ASAP.

My dog sophie was signed up at 10 weeks old, no pre-existing conditions. Her FIRST claim was this year. She wasn't acting right and the rule outs were infection vs cancer vs other. This visit was covered. The next day she was still sick so they did a lymph node aspirate. They only gave us 10% coverage because they said it wasn't necessary. That is the ONLY way to diagnose this condition, as a certified vet tech, I would know. My dog was euthanized because it progressed so quickly, in a week after the diagnosis she was ataxic. This insurance company was less than helpful, extremely uncaring, very nit picky, avoided questions we asked regarding this claim, and overall disappointed. We've had VPI for 1 years and used it minimally. They couldn't give us full reimbursement for my now deceased dog. They lost a customer.

I am a responsible pet owner and a loyal customer who has had pet insurance through VPI which is now Nationwide for over ten years. I have been fortunate to have a healthy dog, so I have not had to make many claims for my other dog. I recently bought a new purebred AKC registered Shiba Inu puppy. The day I brought my puppy home on June 17, 2016, at eight weeks old, I set up a new policy with Nationwide since I know how expensive a new puppy can be.

Nationwide is the worst pet insurance. They don't want to pay any claims. They make you wait weeks for claim to be process and then send you a denial. If you have too many claims they will not allow you to upgrade your insurance policy. Nationwide is a ripoff. I would not recommend you to my worst enemy. I give you ZERO STARS!

When this was VPI they were wonderful, then Nationwide took over and what a nightmare it has been. Their favorite answer is DENIED....followed by "we need more information". I have gotten EVERYTHING they need, having gone to my veterinarian myself to get it....STILL "we need more information." This is a typical insurance company... Deny deny deny until the customer, who pays a buttload of money to have the insurance, gets frustrated and just pays out of pocket. My cat was recently diagnosed with very aggressive cancer and now I REALLY need Nationwide... I've been with them/VPI for YEARS and 3 cats... They are heartless and couldn't care less.

Rip off...never received my money. They clearly covered my rabbit's disease but stated they wouldn't because they put in under the category parasites. It was a disease that was affecting her whole body. I wish I would have never signed up with this company. Please do not waste your money on Nationwide. I spent my last for my rabbit because she is sick. I was told they don't cover only wellness such as food...being spade or neutered. I have to save to make all the money back that I spent on my rabbit. A company so evil to scam people for their money is not cool.

I purchased pet insurance for our dog (AKC Registered Doberman with 4 blue ribbons) who is an pure breed and just about perfect dog. We purchased this insurance knowing in the future he may have hip or joint issues. Or heaven forbid he get into an accident or eat poison or whatever issues could arise. So we adopted our dog on 4/16/2016 from a reputable breeder and she shows all of her dogs. On 4/21 we bought the pet insurance and on 4/25 our account was debited the money. We had to attest that there were no pre-existing conditions on our pup. We even sent every medical record from the previous owners Vet. He was eating Fromm Dog Kibbles (really good food) and we continued with the Fromm brand, just changed the type of kibbles he was eating.

I was a Nationwide Pet Insurance customer. I originally cancelled my policy due to the price of it vs the coverage you receive and the reimbursement on the claim. They were able to direct deposit my unused premium to me but my claims not so much. I was supposed to receive a total of two claims and till this date I only have one. The customer service was so horrible. They would not allow me to speak to management as it has been two months and I should never have to wait 30 days after the fact I did not receive the money I was owed.

This company will give you any and every reason to not pay claims. I wish I had done my research before signing up with them. I used to have Petplan and never had a single problem getting reimbursed, however Nationwide had better coverage with lower rates for my older dogs. I have 4 dogs insured with Nationwide. They will honor all claims until your deductible is met and then when it comes time for them to pay up after deductible is met they won't. They ask for vet records, they notify you of 30 day extensions for processing, and then will find any reason to deny a claim. This company is bogus. I will be taking all of my business back to Petplan.

I've had Nationwide Pet Insurance, which used to be VPI since 2010 for my Rottweiler and Pomeranian. The premiums, unlike others, have always been reasonable, considering I only have a $100 deductible. I also have never had to wait more than three weeks for reimbursement. My first and only problem just happened this month, July 2016.

I've had Lucy's Insur. with VPI Insur. for over 10 yrs. Nationwide bought VPI and has raised my premium by 36%. I have not filed a claim for Lucy's in over 5 yrs. and when I called them they said "They're raising the rates for everyone in my Insurance group plan". This is price gouging and we as consumers should not put up with this. I asked the person on the phone "What would you do if your cable, elec. or phone bill went up 36% for absolutely no reason?" "I understand, I'd be upset." Please who are these people kidding!

Here is my story. I purchased a puppy from All About Puppies store and I applied for Nationwide Pet Insurance most expensive 87.44$ a month. Over a month later puppy got sick so I took to a vet. They did x-rays treatments over 1000$ bill. I paid for it and I was happy cause I have insurance, so I submit a claim, and what do you think? It take them almost two months and finally they refuse to reimburse because puppy has soft stools. When I got it 4 months puppy is a baby so they refuse to reimburse anything because of that. And when you apply anyone checking what--soft or hard stool??? And how do you know as an owner how describe your 4 months old puppy stool? Is it too soft or not??? Stay away from this insurance company. I never had anything like that.

Do yourselves a favor and do not get pet insurance through this scam. My dog is just a puppy and found out my company offered pet insurance. My dog has had diarrhea issues in the past before this insurance, however he had gotten really sick: vomiting and diarrhea last month. He was diagnosed with Colitis. I had the Nationwide Pet insurance at this time and Nationwide declined my vet bill of 400.00 because they said prior to having insurance he had a small episode of diarrhea, so it's considered a pre existing condition. What the **?!? How is this a pre-existing condition when he did not have Colitis when I took him months ago. No way... Do not purchase this insurance for pets. They will find anything and everything to not pay for claims just to collect your $.

I don't even want to give any star to them, it's a fraud. I trust the vet which recommend the pet insurance company. I wonder the doctor also want to make money on it. I have similar situation with others. I claim my dog's first vet bill, and they ask for medical record, so I sent them. She was good on record, they said it takes 30 days to review. Now I got another mail says it will take another 30 days, I think it's **. They have every excuse to deny the payment. I will call them again and ask them to return my money back. I also think people had been fraud by them. we should gather the money to sue Nationwide Pet Insurance company. It's a trick. We can't let them do this to fraud people who loves their pet so much. They are wasting our time to argue and wait for their response.

They reserve the authority to reject an upgrade in plans if your dog gets diagnosed with a serious condition, even while covered by their plans! Swine. They claim that the upgrade policy falls outside any documents and rules posted on their site and hence they can reject such upgrades to their premium plan if any serious health conditions exist. Her condition was diagnosed while on their medium plan, so it was not pre-existing. Hence, if upgraded, they would have to pay for treatment of her hip dysplasia. They don't want to allow the upgrade because of this. Now I gotta save up 10,000 for my dog to have new hips. How is this legal for them to have these hidden conditions for denying upgrades?

I bought this insurance 14 years ago when it was called VPI Pet Insurance--really no other option available. After dealing with this company for many years I'm VERY disappointed with them. There is always a reason for them to deny you any money back and the final insult was when I sent them a $8000.00 bill which turned out not to be covered as noted in their fine print. When your pet is in a life and death crisis, it's difficult to determine what is and what isn't covered and let the insurance company determine your final outcome.

My experience with Nationwide began with the first claim I had for my cat Jack. He went in for a dental cleaning which is an expensive procedure. I fully expected this claim to be honored in part. But NO it was not covered at all due to what Nationwide called a pre-existing condition, that condition being tartar. Unbelievable. I adopted Jack from the Humane Society and he got a free exam. On this exam it was noted that he did have some tartar which is why vets do dental cleanings. This is the norm. Usually only very young animals do not have tartar. Nationwide considered tartar a pre-existing condition. I talked to my vet about this and he couldn't believe it. The initial exam was in December. The dental cleaning was April 5th! Over a $500 cost.

Anything you tell the representative during the application process will be used AGAINST your pet in the form of exclusions, even without medical documentation. After being approved for the insurance and 7 days after the policy was activated, I learned about exclusions that were applied to the policy. During my conversation with Nationwide's representative, I explained any veterinary visits that were made for my kitten. The first visit was a wellness visit two days after I picked up my 10-week old kitten; he received a clear bill of health.

I have a ten-month-old pug I purchased when he was roughly eight weeks old. He is a healthy little dog - no health problems whatsoever. When he was 5 months old I took out Nationwide Pet Insurance on him. A month later I had the dog neutered and also had a complete physical and bloodwork performed for my own peace of mind. The dog passed with flying colors - healthy, no health problems at all.

My dog was 10 years old, very, very ill with pancreatitis and diabetes and maybe Cushing's disease. We weren't sure because all of her signs were elevated. After 6 days in the expensive Blue Pearl Hospital which ALSO IS A RIP-OFF she had to be put to sleep. Her kidneys were going, she threw water up that we gave her, she wouldn't eat for 10 days. She had stones in her bladder and couldn't be operated on. She was so sick that we had to put her out of her misery. It was awful. The HORRIBLE NATIONWIDE reimbursed us $1,700 out of $10,000!!! We paid $66.00/month for 10.5 years = $8,316 and never during that time period did we really get anything back when she went to the vet. Nationwide is a scam. Don't keep your policy if your dog is healthy enough so that you can switch. We would have paid anything to keep our baby alive but it is a total rip-off! Run, don't walk away from it. They are insensitive as well!!!

I cringe to even give 1 star but I have to choose something, would love to see a 0 star option. I also wish I had read these reviews before signing up with this insurance through my employer. I acquired this insurance in Jan. of this year, never had pet insurance in the past. My dog passed away 30 days later from bone cancer, no idea he had it, limping and went to vet, put him down that day due to broken leg from tumor and assumed metastasis to lung. Called several days later to cancel policy and stop auto withdrawal from paycheck. Notified withdrawals happened through a third party company and Nationwide would need to notify them. I also notified employer. Over a month later premiums still being taken from checks.

I rescued a West Highland Terrier. His age and medical history were unknown. I procured Nationwide Insurance on him and nearly every claim I have turned in is denied because they do not pay for "diagnosis or treatments". They don't pay for anything for their ears, or teeth, or allergies because Westies are known to have these issues. They also say that IPF is a hereditary disorder and they will not pay for any of those treatments (which are very expensive). I asked them to provide the research and proof that it is hereditary because there are groups all over the world doing research to find out WHY this disease is so prevalent in the breed.

Nationwide former Veterinary Pet Insurance has not sent the check in more than 90 days. My online statement shows that the claim was paid but a month ago for services 4 months past, and the check has not arrived. First, it was a 2 month wait to get the claim processed. Now I don't have the reimbursement, and they don't do direct deposit. Hm. Every time I call, the rep says the check is "In the mail" but no specifics on when it was processed, and that they can't issue a replacement check until 30 days is up. I pay my premium through autopay, and if I mail a check, it takes two days to reach someone. So why does it take them 60 days or more to process a claim and another 30 days to delivery the check? I'm sorry for the people who did not get their claims covered, but no loss really, because it looks like I'll never see my money.

I took my dog into the vet three times for stomach issues. On the third visit, they diagnosed her with Giardia. Because Giardia is not covered by the insurance, they claimed that all three visits will not be covered. They claimed that it was based on the final diagnosis. Nationwide allow themselves to deny your claims based on final diagnosis. There was no diagnosis of Giardia for the first and second visit. All I got was meds for my dog. It's unfair that they can go back and make that call. There was nothing on the receipt that said she was diagnose with Giardia until the 3rd visit. This doesn't mean that she had it all this time. What is it was a year later. Will they go back a year and deny the claim? I can't deal with companies like this. I cancelled my policy today. Both receipts doesn't show a diagnosis of Giardia. Not until the 3rd treatment.

We adopted a 10 month old pup from our local shelter and we added her to our already existing policy for our two cats (started with VPI) six and a half years ago. Two weeks after the adoption, and after 10 days of emergency care, we discovered that our pup has kidney problems and will probably not live long. Nationwide claims that it's a pre existing condition, which it might technically be since we did not know she was so sick but we just wanted to give a throw away dog a new home and a better life. We have also noted that no matter what we take the pup to the vet for they always claim it's due to her kidney issues, even needed shots and one time when she had an upset stomach. DO NOT USE NATIONWIDE. It's a waste of money for when you need your insurance company to step up.

I was a consumer fraud and housing law professor before becoming disabled several years ago. I have chronic severe pain since 2/2012-trigeminal neuralgia nerve pain in face and also chronic PTSD, among other issues. My eldest cat Jack went into kidney failure. As he is beloved, there was no question I was going to take my vet's advice and bring him to emergency hospital, where he had supportive care, fluids, etc. Vet bill was at 1,000 for Jack and Jerry, as bloodwork was done on both and Jack had further procedures. The cost of hospital stay was at 2500$. When I called to get forms for reimbursement they said the policy lapsed for nonpayment. They insisted they sent a letter and emailed me, several times. They did not email me.

As I canceled my plan for this falsely advertised insurance I realized that there is not a place for me to put in my own review under their review tab. Please do not waste your time with this company not even if you read all the fine print that will do everything they possibly can to not pay for your pet's care. My dog was drinking more water than usual and that comment alone excluded him from being covered for any diagnostic care from that point forward. Find a good vet and purchase their personal payment plans.

Basically company seems to do anything feasible to not provide coverage and when coverage is provided likely to be at significantly below anything close to actual costs. Strongly suggest to find alternative to avoid the added financial & emotional impact when your family member "pet" needs care.

They illegally rejected my application due to a pre-existing condition which they clearly state in their policy is not basis for rejection. It is just not covered by the policy.

I just signed up with Nationwide through my employer for pet insurance and I thought everything was going well until I submitted a claim for a seizure my dog had. He's only a year old and never had a seizure before so, I submitted the claim and Nationwide asked for his medical records so they could review them. They ended up reimbursing me for the seizure; however, they sent me a letter saying they found a pre-existing condition of an ear infection that occurred in November 2015. I never submitted a claim for that, but when I called to inquire about the letter I was told that I wasn't honest when filling out the questionnaire asking if the dog had any pre-existing conditions before the policy started 1/1/16.

I have been with VPI which is now Nationwide Pet Insurance for 10 years now. It wasn't until this year that I have noticed a huge change in their customer service and coverage. They have a cap on all illnesses and they do not cover your pet. I am devastated to find this out after I have paid into this policy for so many years.

I have had the Superior plan since my dog was a puppy, 7 years. He recently tore his ACL and needed surgery in hind leg. I submitted $4,484.77 in vet bills and Nationwide only paid $1290.00. There is not a vet in New Jersey that would do this surgery for this amount of money! No pain medication or antibiotics were covered or the electronic anesthetic monitoring. The FLAT FEE according to "the policy" is only $1207.00"!

My pet has had this insurance since he was a puppy so 8 years. I always had the standard and wellness plan. In the 8 years I've had this insurance I've only used the wellness plan and may have filed a claim once. Because he's getting older and this plan covers nothing, I decided to get full coverage. They denied it and won't let me even get just the wellness plan so I can get some other insurance. They won't even work with you. They are horrible. Don't get this pet insurance. Anything is better than this.