Nationwide Pet Insurance

Nationwide Pet Insurance

 4.0/5 (617 ratings)
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About Nationwide Pet Insurance

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

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    Overall Satisfaction Rating

    • 5 stars
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    Pros

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

    Cons

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

    Bottom Line

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

    Nationwide Pet Insurance Reviews

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    Page 8 Reviews 190 - 220
    Rated with 1 star
    Verified Reviewer
    Original review: July 4, 2018

    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.

    17 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: June 28, 2018

    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.

    14 people found this review helpful
    Rated with 1 star
    profile pic of the author
    Verified Reviewer
    Original review: June 17, 2018

    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.

    The claim took over 4 months to process. The claim was denied because they categorized cleaning tartar as a "pre-existing condition"!!! Here was their quote: "A pre-existing condition is any condition that began or was treated up to twelve months before the effective date of this policy, whether or not the condition was discovered, diagnosed or treated." Of course I had tartar removed 12 months ago!!! This is a total scam as they advertise that on their wellness plan you can get dental cleanings covered, but when you do, they call it a pre-existing condition! This is a total rip off!

    16 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: June 15, 2018

    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.

    And then I find out, if he has to have surgery which would be after he’s a year old they would only pick up partial payment ($500 out of an estimated $3,000 bill). However the first person I spoke to just said yes when I asked if the surgery would be covered. The second time I called is when I was told “no that is only then partially covered.” I have recently called other companies and they tell you over the phone what is covered and not covered and the % that are covered. There are many companies that cover genetic issues before a year. I just wish I had been smart enough to go with one of those companies from the beginning because now it is considered a pre existing condition and no one will cover it. Nationwide’s website presents as a company that provides all this great coverage but beware so you aren’t in a position like I found myself.

    7 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: June 7, 2018

    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.

    Nationwide has vets on staff to pick apart your pets' health to deny all claims as pre-existing. Don't listen to the enrollment sales staff. They will not cover dentals and other issues, they will delay your claim 60-180 days and only pay a small portion of your claim if you are lucky and fight for it. Don't end up like us wasting your money on an insurance and ultimately paying 100% of your pet care - Nationwide Insurance and Wellness plan is a SCAM! I believe a class action lawsuit will be picked up on this service in short time as if you research online everyone is seeing similar issues.

    6 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: June 7, 2018

    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.

    Third the website and emails say you will be billed a deposit first two months and then for the 10 subsequent months. Today marks my second month and I was charged the monthly fee. When I called and even spoke with a supervisor I was told, "Oh that's actually the first and last month," she even agreed with me that it says first two months specifically - which should mean the first two months, but that's just not how it's done. I will be reaching out to their legal department as this is a flat out misrepresentation when it SPECIFICALLY says first two months but they actually mean first and last months.

    5 people found this review helpful
    Rated with 2 stars
    profile pic of the author
    Verified Reviewer
    Original review: May 29, 2018

    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.

    5 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: May 17, 2018

    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 said, Nationwide has listed "no waiting period" - Well I am changing that he says - An employee makes decisions for a company - Yea right. Just admit it Nationwide Pet Insurance you’re liars, you lied to me from beginning, and now you're lying again calling it a savings. Where is the savings if you increase same coverage almost $400.00. It's so true that "insurance isn't worth a damn unless you need it; and, if you choose Nationwide for your pet's care it still isn't worth a damn." Be wise and Be smart. Do not believe a word Nationwide Pet Insurance says, even their written agreement is filled with misleading and hoodwinking words - Save the blood pressure - Just say No to Nationwide Pet Insurance.

    10 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: May 14, 2018

    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!

    13 people found this review helpful
    Rated with 1 star
    profile pic of the author
    Verified Reviewer
    Original review: May 2, 2018

    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.

    They did everything they could to not pay any of her bills. I was on the phone with multiple vets, multiple Nationwide reps and it was a run around the whole time. They lost out on my money because my young cat had no issues and I was giving them a lot of money for their top coverage. I take excellent care of my cats and they made my life a living hell. My third cat was dying at the time and I didn't get him covered and their cold and unhelpful manners made my life even worse. I will tell everyone I know how horrible they are until they are out of business.

    9 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: April 29, 2018

    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!

    6 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: April 27, 2018

    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.

    8 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: April 24, 2018

    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.

    One letter states if we have no records, provide the most current. And we did several times from our vet, the rescued invoices were sent and Nationwide ignores and refuses to reimburse. I have filed a formal complaint with the State of CA. Nationwide also admitted that they failed to underwrite the dog properly prior to our getting him because my husband signed up as a work benefit. They stated that they have discontinued that set up because it's caused so many problems. Yet, I am out claims & credit card fees. I have cancelled Nationwide and you should stay away too.

    8 people found this review helpful
    Rated with 1 star
    profile pic of the author
    Verified Reviewer Verified Buyer
    Original review: April 22, 2018

    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.

    12 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: April 18, 2018

    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.

    Also, on Facebook, Yelp, and other reviews, I noticed a pattern of complaints where claims were denied because NATIONWIDE determined the pet had a pre-existing condition. I have also noticed that there's a difference in the interpretation between the consumer and NATIONWIDE regarding NATIONWIDE'S definition of pre-existing condition, which is defined as: "...any condition for which a veterinarian provided medical advice, the pet received treatment for, or the pet displayed SIGNS OR SYMPTOMS consistent with the stated condition prior to the effective date of a pet insurance policy or during any waiting period."

    I think what angers me the most is that people (myself included), in good faith, sign up for a pet insurance company, pay monthly premiums, thinking that if something happens to their pet, all we need to do is submit claims, medical records, and lab results, and we will receive a FAIRLY DECENT REIMBURSEMENT. I was never expecting close to the full amount I spent. Instead, most people get denied because NATIONWIDE found a sign or symptom that falls under their pre-existing condition clause. That is how they get you. This is very duplicitous on NATIONWIDE'S behalf and NATIONWIDE is robbing people of their hard-earned money and trust. I very rarely, if ever, write reviews, but their business practices come across very shady. "Hell hath no fury like a pet owner scorned!"

    13 people found this review helpful
    Rated with 1 star
    profile pic of the author
    Verified Reviewer
    Original review: April 9, 2018

    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.

    30 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: April 5, 2018

    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 received a response after a few weeks saying they would need more information and would send me a letter with the details. 2 and a half months later I still hadn't seen anything, so I contacted them. Within a week they said they'd need the last year of medical history for my dog, which I got from the vet and sent them. During all this I had a couple minor follow up visits which I submitted claims for as mostly I wondered what they would do with those as well.

    On the same day, I basically got denied for all 3 claims, but they were quick to point out at least they had applied $10 towards my annual deductible of $250... So I got that going for me. Don't bother ever signing up with this company. It's a complete scam, all they do is deny claims and never pay anything out. You may as well just start chucking $50/month in the garbage can for all the good it will do for you and your pet.

    21 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: April 3, 2018

    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.

    After 4 months on the plan, one cat went in for a dental cleaning. Pre-dental senior bloodwork and the cleaning itself came out around $450 to $500. I submitted the claim and after my deductible, I was denied all but $4.95. The cat’s entire dental cleaning was denied for a pre-existing condition. Here was the condition noted... Before the cleaning, the cat was in for an annual check-up and the Vet saw a possible lesion forming on one of cat’s teeth. The Vet recommended I keep an eye on the tooth and schedule a cleaning within the next year. Obviously not a big deal right? Four months later the dental cleaning is complete, no tooth lesion found and/or extraction needed. Easy right? Nope! Because the Vet documented a possible lesion in the record and the cat is missing a couple teeth, it’s considered a pre-existing condition. The cat has been missing those teeth for years, and Nationwide has all the medical records that state such.

    This is very frustrating. My mind and stress level tell me to just let it go, cancel the policy and move on. My heart and personality tell me to dispute it (out of principle) because this is **. I’m also not impressed with the length of time it takes Nationwide to process a claim. Don’t let the Nationwide propaganda fool you. The brochures are lovely and appealing, but your pet’s birth will likely be classified as a pre-existing condition, resulting in denied claims. If I chose to battle and the result is positive (not holding my breath) I will update this review.

    21 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: March 27, 2018

    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.

    16 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: March 27, 2018

    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!!!

    10 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: March 23, 2018

    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.

    Why 2 insurance companies? I was grandfathered into an older plan which covered teeth cleaning and it makes the plan worth it to me. Also, VPI does a preventative care plan! I also applied for the Nationwide VPI Visa pet credit card. I got a decent credit limit and 6 months to pay back all charges from the vet which I wait for my reimbursement. I've had nothing but good experiences with Nationwide with over 25 claims sent with mostly everything paid out. There was one instance where I did not get paid out, but that was my fault. Please work closely with your vet to ensure your claim fits description, fits the diagnosis and procedure in the benefits package booklet for a smoother experience.

    8 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: March 22, 2018

    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.

    18 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: March 21, 2018

    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.

    12 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: March 16, 2018

    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!!!

    13 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: March 14, 2018

    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.

    11 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: March 7, 2018

    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 tried to appeal one of their denials, and they responded by demanding all my dog's medical records for his entire life in order to process my claim. And then they send me a threatening document about pet insurance fraud and what they do to people who commit fraud. It felt like harassment. I cut my losses and canceled the policy. Word of warning: check customer reviews before purchasing pet insurance. Nationwide has hundreds of 1 star reviews - including this one. Suck it Nationwide.

    9 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: Feb. 23, 2018

    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.

    Nationwide paid what the plan said they would pay, the 90% after my $250 deductible was met. Not a single claim or the items within the claim were denied. He had x-rays, specialized bloodwork, ultrasounds ($400), MRI ($1700), and spinal tap performed. One particular test on his spinal fluid was over $500, just for that one test. They could have very easily denied my first couple of claims, which were the regular check-up and neutering because I did not submit them in a timely manner. I submitted them all at once with various visits throughout the year. But they didn't, they reimbursed me the 90% of the bills after I met my $250 deductible. His policy renewed in mid-December so I had to meet my deductible once again in the middle of his diagnoses.

    7 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: Feb. 20, 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?!

    After the x-rays visit, I've had around $500-600 in vet medical expenses that they are supposed to review and reimburse... but I bet that will take them 3 more months to do! DON'T SIGN UP FOR THIS CRAPPY INSURANCE! PLEASE DO SOME RESEARCH FIRST AND GO WITH ANOTHER COMPANY! Don't do the same mistake I made. I'm changing insurance once they pay me all that they're suppose to.

    13 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Feb. 8, 2018

    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!

    20 people found this review helpful
    Rated with 2 stars
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    Verified Reviewer
    Original review: Feb. 4, 2018

    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.

    I briefly looked at the explanations and it looks like he had reached his yearly maximum for the URI and so they just quit paying. Even though the final diagnosis was cancer. Had we been on the Whole Pet with Wellness plan we may have received a larger reimbursement but from what I am reading from other reviews, that might not have helped. I have been doing a lot of shopping around. Petplan, Trupanion & Healthy Paws have much better reviews than Nationwide.

    I am a cat lover and another kitten in my future is imminent. I still think it is very important to have pet insurance if you are going to have a cat or dog. Medical costs are high and you want to make sure your pet insurance company will be there for you when you need it. That is what I am taking away from this experience. We all want the best for our fur babies. Not sure right now if that is Nationwide.

    3 people found this review helpful
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    Nationwide Pet Insurance Company Information

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