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Nationwide Review

Reviews 237
Nationwide
Nationwide
Excellent
Reviews 237
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Bestmoney Staff
Dec. 30, 2020
2 min read
BestMoney Staff
Nationwide Summary
Over half a million pet owners choose Nationwide as their pet insurance provider. Besides dogs and cats, you can also insure your birds and exotic pets. The tiered plans come with lots of perks.

Pros

  • Insures exotic pets
  • No networks, so you can see your regular vet
  • Wellness coverage available

Cons

  • Limited coverage for hereditary conditions
  • Payouts limited by benefit schedule on most plans

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Nationwide Highlights

  • Most popular pet insurer in the US.
  • Insures exotic pets.

What’s Included In Your Pet Insurance

Unlike other insurers, Nationwide doesn’t just cover dogs and cats. It also covers birds, rabbits, reptiles and other unusual species, including chinchillas, hamsters, pigs and sugar gliders.

You can choose from 3 tiers of coverage: 

  • The Pet Wellness Plan
  • The Major Medical Plan
  • The Whole Pet With Wellness Plan

All 3 plans cover vets worldwide, which means you can stick to your vet or specialist of choice, and travel without worrying about being out of network.

The Pet Wellness plan is the cheapest and most basic plan. It covers microchipping, vaccinations, annual wellness exams and bloodwork, de-worming and flea and heartworm prevention.

The second tier, the Major Medical plan, covers accidents and illnesses (including cancer), as well as chronic conditions such as kidney disease, diabetes and IBS. Cover includes exams, lab tests, x-rays, surgery, hospital stays and prescriptions. However, you’ll have to pay for annual wellness separately.

The Whole Pet With Wellness plan is the most expensive tier, but also has the most complete coverage. Besides annual wellness, accidents and illness, it also covers neutering, cesarean sections, therapeutic foods and nutritional supplements.

Crucially, both the Major Medical plan and Whole Pet With Wellness plan cover surgery for torn ligaments. This is one of the most common injuries in dogs, but it’s rarely covered by pet insurance providers.

TreatmentWhole Pet with WellnessPet Wellness
DewormingYesYes
Eye infectionYesNo
Fecal testYesYes
GingivitisYesNo
Muscle sprainYesNo
Spay or neuterYesNo
Wellness examYesYes
VaccinationsYesYes
MicrochipYesYes

Limits and Deductibles

Nationwide’s policies have a single annual deductible. Pay it once and you’re covered for the whole year, no matter how many times you claim.

However, payouts on the Major Medical Plan and the Pet Wellness Plan are made according to a benefit schedule. You’ll always get a fixed payout determined by the schedule, capping reimbursement on a certain amount for each condition or service, regardless of the amount you spent. The Whole Pet with Wellness plan offers payments based on 90%, so you’ll pay for the plan with higher payouts when you need them.

This isn’t ideal if you need a certain amount back, because benefit schedule payments may be based on expected fees that do not fit your vet’s actual prices. You could end up with out-of-pocket expenses.

Value For Money 

Nationwide isn’t the cheapest pet insurance provider, with accident and illness coverage starting at $35 a month.

That said, you’ll receive a higher standard of basic coverage than most other baseline plans from other providers. Nationwide offers you the freedom to see the vet or specialist of your choice and only a single annual deductible.

Age Limits 

Nationwide won’t insure pets that are 10 years old or over, except for the Whole Pet with Wellness Plan, which has no age restrictions.

This age limit is relatively low and there are other companies offering insurance for pets up to 14. That said, once your pet is insured, he’ll stay insured even after it passes the age limit unless you decide to cancel the policy. It’s also cheaper to insure a younger pet, so the best way to get your best friend insured through his old age, is to sign him up when he’s a puppy.

The Fine Print: What Isn’t Covered Under The Policy 

Nationwide’s exclusions are straightforward and easy to understand. Like most pet insurance providers, it doesn’t cover pre-existing conditions.

It does unfortunately classify most congenital anomalies as pre-existing conditions. This means that problems caused by breed-specific traits such as brachycephaly and kinked tail (brachycephalic breeds include Boxers, Bulldogs, Pugs and Persian cats, just to name a few), will not be covered. Certain cancers may also not be covered, if it’s shown that they’re caused by congenital anomalies or hereditary traits of your pet’s breed.

Under the Major Medical plan, there is a 12-month waiting period for cruciate ligament surgery and hereditary condition cover. You’ll need to opt for the Whole Pet With Wellness plan for the waiting period to be waived, or get coverage before your pet has expected medical concerns around the corner. 

Conclusion

Nationwide is one of the few pet insurers on the market to cover exotic pets. The basic plan has some great perks in terms of what it covers and the veterinary helpline is really helpful for off-hours medical needs. The main downside is the benefit schedule payout system for the two cheaper plans. You should also be aware of certain breed specific conditions, as problems caused by those common traits might not be covered.

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BestMoney Staff
Written by
Bestmoney Staff
Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.
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Trustpilot reviews
See what some customers are saying about Nationwide
Nationwide
Excellent
Reviews 237
on
Excellent
78%
Great
2%
Average
3%
Poor
2%
Bad
15%
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nhl
3 days ago
I received very prompt payment of my…
I received very prompt payment of my claim. I did have to call for assistance with the auto pay function and received excellent service from a domestic call center associate who was patient and easy to understand.
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dominque oliveira
7 days ago
Amazing call
I had to make a call to check into my policy and the gentleman I spoke to today was amazing. We got talking about my dog and what was best for her. He treated me with such kindness and respect during this difficult call about my dogs surgery . Highly recommend Nationwide Pet Insurance!
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molly r
a month ago
Excellent coverage and customer service
I have had our dog's policy for several years, but never needed to use it and therefore had forgotten just how much was covered. The coverage is really impressive under the My Pet Protection plan. Today, I called with questions about claims I will need to file for a recent diagnosis of a chronic condition, and the rep was so incredibly helpful and empathetic. Note: I had to file a claim for our other dog a few years ago, and everything went smoothly for that as well.
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natalie m-shepherd
a month ago
Pleased.
I have been with Nationwide/VPI since 2004 and they never let me down. Always helpful. Always polite. Good reasonably priced coverage for my pets. They understand pets are family.
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dmitry
a month ago
Several bad experiences
In short, it's a greedy company with bad customer service. I dread having to file a claim because of so many bad experiences. Their website is absolutely atrocious and beyond frustrating. One of the worst I've ever used. Frequently broken and unusable. The final straw: I called customer service to ask if necropsy was covered under my pet's plan after my guinea pig tragically passed away. The answer I received made me believe that it was. Nationwide did not reimburse me for the necropsy, and I spent hours trying to get the situation resolved, just to pay the full bill myself. Awful company. Stay away.
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harley marshall
a month ago
good for 2 years, then watch out.
For the first few years, we were really happy. rate was reasonable, good service. but the rates started CLIMBING. What started as a 67$/mo policy has turned into $455/mo (no that's not a typo). Up 250% since last year. It's obvious that they are trying to push us out now that my dog is aging (he is now 6). How can they rationalize that?!
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lorrie
2 months ago
Christopher was very helpful on the…
Christopher was very helpful on the phone. He listened as to why I believed they made a mistake on my latest check back for my Ferret’s Dr. Bill. He explained why. I needed more information from that particular Ophthalmologist like I received before. I understood and he’s going to fix it. TY Christopher. Lorrie
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lisa cummins
2 months ago
Pets are family
My family has been with Nationwide Pet Insurance for over 20 years. Because of this insurance we have never had to say the word no to our trusted vets. When we seek veterinary care we look for the best in the field. Our pets are family and because of Nationwide we can give them the best life possible.
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jim p.
2 months ago
After being on the phone for a good 2…
After being on the phone for a good 2 hours,unable to update my billing info, I finally got ahold of Tye,one of your operators that worked me through a VERY difficult attempt to give you this info. Tye was the only one to understand my problem and she helped guide me through this process.
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bobby
2 months ago
Eh not surprised
Eh, you get what you pay for. $45 a month for major medical. I knew signing up they had limits per procedure but different areas like CA have higher prices compared to other areas like the Midwest. If you're doing research on pet insurance I'd suggest other companies. Just some references, emergency vet bill 3.5k, paid out 1.1k, MRI 2.9k paid out $300, neuro 6.8k paid out 1.9k. They do pay out fully on prescriptions and wellness care but for emergencies, the policy limits are very low.
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marissa szmanda
2 months ago
Thank you!!
Thank you!!! God blessed you! Have a wonderful day!!
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kay z.
2 months ago
Nationwide helps! Carl is the best!
I spoke to a representative named Carl. He was friendly and was empathic about my issue as well as one's pet being a family member. He made clear that Nationwide is an insurance company who cares. There was a misanalysis on my claim and was not paid initially, and Carl went above and beyond to correct the process accordingly. Thank you, Carl! Companies need people like you who listens and sort through details instead of immediately turning down customers without investigating the issue.
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arthur
3 months ago
This is thanks for Meagan ext 6599
This is thanks for Meagan ext 6599. She was able to resolve my claims payment issue after numerous other agents had failed. She is an asset and her excellent work and diligence should be recognized,
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customer
3 months ago
Stay far far away from Nationwide Pet…
Stay far far away from Nationwide Pet Insurance. My cat just turned 2 years old. He had an initial appointment when he was 3 months old to be vaccinated and neutered. He is a healthy indoor cat who has not needed to see a vet until he had a urinary obstruction in April 2023. He was treated and then sent home. A few weeks later he had another obstruction. Upon recommendation from both of the emergency vets and his regular vet, surgery was preformed to eliminate the possibility of future occurrences. I filed a claim with Nationwide. 5 months later the claim is still not resolved. I keep getting letters asking for vet records that do not exist. I have spoken with Nationwide multiple times to explain that they have all the records that exist for my cat. I have filed a medical record gap form. I have sent a letter detailing all of my cat’s vet visits and still nothing is resolved. The only bright spot was Care Representative Kiahara. She is the only person out of the many that I have spoken with who took the initiative to contact her supervisor and find out what was going on. She explained that the underwriter was confused about some information included on the medical record gap form so I sent in another email explaining everything and it’s been radio silence. While all the agents have been polite, Kiahara has been the only one to take initiative and find out what is happening with my claim. I called again today and was given the standard line about how they need time to review the information. It has been almost 5 months. The lack of communication is frustrating. This has not been a pleasant, easy experience. F757634
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anna maffett
3 months ago
The associate that assisted me was so petabulous!!
The associate that assisted me was very professional, enthusiastic, knowledgeable, courteous, and very furtastic all the way around he sure made my life easier and comfortable. I really enjoyed collaborating with him about my fur-daughters policy and needs. Thanks again for being so pawsome!!
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michelle canterbury
3 months ago
ZERO STARS - AVOID NATIONWIDE PET INSURANCE!!!
If I could give this policy zero stars I would!. Do not buy through your employer. Nationwide is NOT on your side. They will find a way to deny all claims and consider everything a pre-existing condition. They will require 12 months of vet records when you submit your 1st claim and then you will need to contact them many times with no positive results. We were paying over a $1K/year for 3 pets and they did not cover one claim. They won't even refund the premiums we have paid since 3/1/23. They are happy to take the premiums. DO NOT BUY THIS PET INSURANCE!!!!
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ed s
3 months ago
I get a different story every time I…
I get a different story every time I call there, I don't think I have received the same answer once, I have been told to go to the pothole, I have been told to to two different email addesses, I know I submitted at least once because I received a rejection letter, the reason for the rejection was I did not include invoice; I found that email and I absolutely included. I am over this, it is only a $100 invoice that doesn't even cover half my deductible. Is the MO there to just break people down or is your staff just poorly trained. I would like precise concise directions sent my email from someone in the know.....extremely frustrated with you people
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michelle
3 months ago
Customer Service
The Customer Service Rep was knowledgeable, empathetic actively listened to my needs and assisted based on the needs of my pet and my family.
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minya pu
3 months ago
Great service.
Great service.
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theresa udelle
3 months ago
I have had a policy with Nationwide for…3 Years
I have had a policy with Nationwide for my dog immediately after I got her at 3 months old. The Policy runs August to August annual. I made a claim for her Simpatico in Sept-22 when I purchased 6 months worth and submitted my claim for the 2022-2023 year. So in the Spring I need to purchase it again, I found that purchasing a 12 month supply would save me some money. I submitted the claim, but was denied because I have already received my reimbursement for that 2022-2023. I was told to resubmit once I renewed my policy for the 2023-2024 year. Once I made the payment to renew the policy Nationwide flagged the claim as a duplicate. I contacted them explaining that it was not a duplicate because you never covered any portion of it on the 1st claim. Since it is for a 12 month supply, I am now within the timeframe of having this medication covered under the renewed policy. They stated that they go by the invoice date and not the quantity or period for which this medication is taken. If I would have been told this when I spoke to them about the denied claim that they would not be covering ANY of the EXPENSE. Then I might have questioned their business practices then and taken my business elsewhere. Extremely disappointed in how this situation had turned out. Definitely shopping for new insurance next renewal.
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susan
3 months ago
Was having difficulty logging in to my…
Was having difficulty logging in to my account and the NW Service Rep was very helpful and got me going in the most efficient way! Kudos to her!
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jan zucker
3 months ago
Quick and accurate answers
Quick and accurate answers, and my problem was solved.
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linda hulsizer
3 months ago
The service rep was more than helpful…
The service rep was more than helpful in trying to get me back on line to open the portal. He walked me through multiple steps and spent time on the phone trying to resolve the issue. He also promised to contact me with updates, as it appears the problem may be a system on your part. He was very patient as I am not real good with problem solving. I thanked the rep for his time, patience, and expertise and hope if I have any future problems, that I will be fortunate to speak with him again.
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pks
4 months ago
Mixed Review
Our experience is a bit mixed. I guess, in retrospect, make sure you understand how preexisting conditions work. Here's the good: Quick enrollment (through my employee benefits package). Excellent mobile app. Easy way to submit claims. Cons: Preexisting conditions also excludes euthanasia. They consider that a "treatment". Go figure. So, make sure to carefully read the exclusions and question everything. The fact that euthanasia is a "treatment" is sort of a slap in the face. On top of that, they excluded IBD, not cancer. The latter is what my pet died from. In Summary: If you're going to get pet insurance, get it when you get your pet so there are (hopefully) no preexisting conditions.
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t rich
4 months ago
Customer service high five!
I cannot yet speak from a claims perspective because I am in the process of filing my first one on this policy. However, if my customer service experience with Carl (5 stars for professionalism, integrity, care, and compassion) is any indicator of this claims process, I will be in great hands. Thank you Carl, for your guidance.
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lynn
4 months ago
Great customer service experience
I had a few questions in regards to the medical plan that I have for my pup and I spoke to Kindra and she couldn’t have been more helpful, nice and compassionate. We need more people like her in this world. Thank you for all that you do especially for my pup, Ryder. She means so much to me.
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tammy willis
4 months ago
Great customer service!
I've talked to several customer service reps in the past few days and everyone is always so helpful and friendly. Finally got resolution on my issues!
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normelita
4 months ago
ON Point
Ms. Cinetra was truly helpful and patient with my inquiries and she laughs truthfully with you " as I mentioned to her that it's nice to speak to a real person at times ", she clarifies my queries in very understandable way without making you feel like a simpleton. Thank you Ms. Cinetra.
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customer
4 months ago
Nationwide customer service is fantastic!
Nationwide customer service is fantastic and their online claims submission process couldn't be easier. Settling a claim and receiving a check with Nationwide is extremely quick and quite simple. They have been our pet insurance carrier for 5 years and we have had zero issues and have been extremely happy.
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yo
4 months ago
Nationwide is so much better than my previous carrier
Nationwide is so much better than the previous insurance I had for YEARS. They are quick to respond and clear with their explanations to any concerns. I didn't realize it was renewal time and thought something was wrong. It was quickly explained and all is well. Thank you Nationwide for taking care of my babies too.
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evelin
4 months ago
Very disappointed with this company
Very disappointed with this company. Submitted a claim for a ruptured anal gland and dental work. Pretty basic. On their website it says claims take about 2 weeks. We are going well over 30 days now. I get a letter that about an allergy shot my dog had and how a pre existing condition. I just read another review about them getting the same letter!! Has nothing to do with his surgery. I will be reporting them to the BBB. Im convinced they will find any excuses not to pay a claim.
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alison griggs
4 months ago
Punitive & Retaliatory - Avoid at all Costs
Started a new policy. Contract language states that any prior issue that has been treated in the past 6mo-1yr will be considered a pre-existing condition. However, they marked a minor muscle contusion from 2 years prior that had no reoccurrence or continued care as a pre-existing condition. When I resubmitted medical records (which they already had) to have it removed, they added SIX MORE pre-existing conditions for things like allergies because he had one instance more than 2 years ago of a skin irritation. They then followed up with this gem: "New relevant medical records or related novel medical information received after this review may lead to the identification of additional noted pre-existing conditions." TLDR; "Fine, we'll remove this pre-existing condition that should have never been entered in the first place by our own rules, but we're going to add six more so take that." Absolutely garbage practices. They're really leaning into "We're here to make money, not help you."
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maize’s owner
4 months ago
Did Not Get The Coverage I was Quoted and Sold…
Paid my premiums diligently for five years until one of my 2 pets needed life saving emergency surgery 3 weeks ago. Called Nationwide from the hospital and was told to file my claim, and after a review Nationwide would pay 90% after deductible. Today I got a check for less than 50% of the surgery and I’m being told the company only pays $7500 max per year. That’s not what i was told before, or after signing up. Now my pet needs follow up care for the rest of her life, and I’m stuck with $1000 visits the rest of the year plus $1600 ER visit, and the difference of $9,000 for the surgery charged to my card. Extremely frustrating and disappointing while still trying to take care of her at home. Looking to switch to another provider, but the problem is now her preexisting condition is not covered, and the cost of the premium is now higher because the cats are now 5 years old. There are other providers who will truly provide the coverage they promise. Do your homework
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nicole hamilton
4 months ago
Be careful of inaccurate insurance information
Insurance agent provided inaccurate information about specific items covered. I found out when Nationwide denied my claim. They will not provide any reimbursement for UNUSED coverage.
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robin_mike squire
4 months ago
I think I love Nationwide
I am so impressed with Nationwide. They had a program where they offered the plan through my employer, so the premium was able to be deducted directly from my paycheck. I never noticed it was gone, it was lovely. Then our dog got sick. We all fought hard for him, and having the insurance through Nationwide is the only reason that we were able to have him (and he have quality of life) for a while longer. I tried to provide all of the info needed on each entry, but Nationwide never quibbled about anything. It made a difficult time easier. Thank you Nationwide!
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monika mcghee-anderson
5 months ago
My experience with my Nationwide family…
My experience with my Nationwide family is not a 5 star but a 10 star. Over the years I've been treated with respect and kindness. Some of my challenges were with the portal. A month ago I ran into issues with the portal, Stacy and Alexis came to my rescue. My husband, Mack and I recently lost our dearest furry baby Ivy. They were always kind and understanding, while coping with our loss. I share my experience with family, friends and total strangers about Nationwide Pet Insurance. The family at Nationwide Pet Insurance are truly kind, caring and compassionate people. The world would be a better place if we just should a little kindness like our friends at Nationwide Pet Insurance has. Thank you again from the bottom of my heart.
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matthew fitzgerald
5 months ago
Deceitful renewal rates
After obtaining a policy for my Great Dane in 2020 they increased the monthly bill by 40% the following year. I was told by a representative that they hadn’t increased the rate in a while which is why it resulted in such a significant increase and that I shouldn’t expect another large bump in my rate again. Unfortunately the following renewal year the rate increased again by another 27%. Seems like nationwide lures with a reasonable rate only to increase once they have you as a customer. Very deceitful.
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toni roy
5 months ago
I would like to start with the only…
I would like to start with the only thing that went correctly and that was Connie who was on the other end of the phone at Nationwide. She was AMAZING, sensitive and caring and got it done! Now for the reason I am leaving a review... I have one by one left Nationwide with my pack of dogs due to the poor quality of underwritten pet insurance. Perhaps over the some the things I will mention have improved, but my experience has been they they have not. It was all fine until I NEEDED insurance help with my best girl Addie. A young ENglish Cream Golden Retriever who came from BRED with HEART AKC accreditation as well as all her families genetic testing and clearances. She was bred which is not a covered benefit, only TRUPANION covers breeding expenses. When she went into labor she did not progress and I took her the ER Vet which was during COVID btw so things were also done differently. They did a C-section and discovered that my Addie only has 1 pup and it was stillborn. The vet called me and said I needed to spay her that sadly she genetically was born with only one kidney and it was very irregular in shape and size. I agreed. From there it all began ... She needed a lot of labs, a lot of medication and a lot of medical attention for the CHRONIC KIDNEY DISEASE that was causing her to have critical health issues. I wrote a detailed letter when submitting her invoices explaining that I knew they didn't cover breeding but this was not a breeding issue. The breading actually is how we found out she was in critical health. Her behavior and symptoms were all 100% normal! I sent in ALL the paperwork from the ER VET and our regular vet. Nationwide kept sending me letters asking for more info but they had ALL the info. Then they would ask for a couple more weeks to make a decision, Finally it was 6 months later and had enough! I had paid into them for YEARS with no claims on all my other pets and probably at least a year for Addie as well. I sent in a letter and told them if I didn't get a decision within 2 weeks I would file a complaint with the California Insurance Commissioner. Within 10 days I received a check for all the invoices I had submitted to begin with and all that I had filed after to a maximum of the benefit year which was $7500. In an 18 month time frame she had over $25k in medical bills to keep her healthy. She would have routine follow up and then her Creatinine would spike and she'd have to go to ICU for animals. We would get it down and she would act 100% herself again for months. So for the cost of about $56 a month I had only $15k paid out of the $25k in expenses! My fault for not reading the policy or comparing! Now I use Trupanion and have had great results and unlimited claims paid for about the same cost and by about I mean within $5 a month from what I paid Nationwide! NOW GET THIS, I SUBMITTED A CLAIM FOR HER FINAL EUTHANASIA BECUASE AFTER 2 YEARS OF THIS HER BODY WAS DONE AND I WOULD NOT TORTURE HER. SHE DIED PEACEFULLY IN MY ARMS AT HOME. NATIONWIDE continued to BILL my credit card for an additional year ( It's my pet cc for business and unfortunately I was not closely watching the charges). I had fraud on the card and switched it so they could no longer bill it. I received a cancellation notice for Addie due to non-payment. She has been dead for about a year and they paid me for her euthanasia. I was told I did not have to cancel it that the euthanasia would automatically cancel the policy. Today I called and in speaking with Connie I told her upfront this is emotional for me due to the huge loss i still feel from losing Addie, and it is fueled by having been wrongfully charged all this time. She was kind and understanding, found the claim for the euthanasia and is helping me get reimbursed. SHE is the only reason I am even giving a star!
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jeremy oyler
5 months ago
This insurance is completely worthless
This insurance is completely worthless. Want to spay/neuter your pet? Not covered. Yearly exams and vaccines? Not covered. Pet needs meds? Not covered. I have three dogs and my vet offered an inhouse rewards type program that I turned down due to having this worthless policy. Then when I went to submit my claims they were almost completly denied reembursment. We ended up spending over $3000 out of pocket and only recieved about $200 in approved claims. Youre better getting on a plan with your vet or just saving your money. This policy is complete trash!
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lisa denicola
5 months ago
Thank you!
Miranda was very patient with me as I was trying to update my pet portal. She was also very empathetic when learning that I had recently lost a pet. Service per usual.... customer centered, and terrific
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mar cris
5 months ago
Number 1 Pet Insurance
I have had this insurance since my Yorkie was 4 months old. She is now almost 15 yrs old. They have been extremely fair in all my insurance submittals. I wish I never had to use insurance for my Yorkie, but I have. So grateful for Nationwide Pet Insurance and Major Medical. Thank you.
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rc
5 months ago
Great staff
The staff are very helpful and knowledgeable with my questions whenever I call.
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ha nguyen
5 months ago
Sale man is very rude and not respect…
Sale man is very rude and not respect what customer saying. Extremely disappointed.
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lorie
5 months ago
Claim Questions
Every time I call about claims questions, I always get the nicest customer service agents. Once they even re-submitted a claim for me and I got paid on it. My dog has 2 diseases, Addison’s Disease & Epilepsy. He would not be alive without the help of insurance to get diagnosis and receiving lifetime medications.
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regs
5 months ago
Gracie's Cancer Treatment
My Chow Chow Gracie has been battling cancer for the last several months and I would have been completely lost without my Nationwide pet insurance policy for Gracie. They turned around Gracie's numerous claims in usually 2-3 days and the payments were immediately direct deposited into my checking account. I would never have been able to treat my baby's cancer if it wasn't for Nationwide.....I am eternally indebted to them because Gracie is my whole life and way too young to just let cancer take her from me without trying to help her. Thank you Nationwide!!
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joseph marino
6 months ago
I am new to Nationwide pet insurance--Highly recommend
I am new to Nationwide pet insurance. I called and spoke with Connie & she was pleasant, professional & informative. She explained the policy in great detail. What a wonderful experience, we are glad that we choose Nationwide. Connie should be acknowledged for a job well done! Excellent Customer Service. I will highly recommend Nationwide because of Connie. Hopefully, we have the same experience if we need to submit a claim! Thank you Connie-- Member Care representative
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kimberly gomez
6 months ago
I am beyond grateful to God and…
I am beyond grateful to God and Nationwide Pet Insurance. My Great Dane was admitted to the Pet Emergency Hospital for three days and the charges were absolutely astronomical. I called Nationwide crying and they talked me though the process of submitting a claim electronically, so we could receive a faster turn around. I don't know how I could have managed this without Nationwide. This insurance is a must!
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melissa lundgren
6 months ago
Great customer service!
Great customer service, friendly, knowledgeable, and timely.thank you!
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lori parys
6 months ago
Thank you Alex
Thank you Alex for your patience, understanding and guidance necessary to complete my previous claims. As a retired teacher I give you an A+
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danelle
6 months ago
Amazing Client Experience with Amber
Both Cassandra (original intake representative) and Amber (the representative who helped me today) were amazing! Amber quickly established a great experience by showing care for the reason I called, for my family (including our fur babies of course), and for me as a person. Amber went above and beyond in helping me transition my premium payments from payroll deductions to direct payment from me as I’m out on a leave of absence from work. She took time and explained everything, field questions, and ensure I was educated on next steps, what to expect, and how to transition back to payroll deductions once I return to work. I will always ask for her when I call Nationwide Pet Insurance in the future due to the above and beyond client experience. She made my day and accomplished my needs. A huge thank you to Amber!!
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terry hooper
6 months ago
A caring and professional staff member
A caring and professional staff member. Thank You so much for the rapid turn around of the claims I have submitted. I am so very proud to call Nationwide Scarlett's insurance services. Thank You so very much!!
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marcy goff
6 months ago
I couldn't be happier with the coverage…
I couldn't be happier with the coverage my Dory has. She's a Labrador and is extremely active, which can lead to some mishaps. Having Nationwide coverage has provided us with the best coverage. Her maintenance drugs (heartworm and flea and tick treatments) are covered. Her yearly physicals and those occasional mishaps are covered. Dory tore her ACL and we have coverage, so I don't have to worry and can devote my time to my girl.
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ley a.
6 months ago
I just want to express my gratitude to…
I just want to express my gratitude to Megan who went above and beyond in responding to my questions and following up with my concerns. You hear kindness and patience in her voice and in how she spoke with me. She was also very knowledgeable and assisted me on appropriate next steps. You’re a star, Megan!
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l. basson
6 months ago
Nothing is covered under Major Medical Plan
If I could give this company less than 1 star I would. Had their Major Medical Plan for more than 2 years, after a "colleague" suggested that NW is the best pet insurance you can ever have. What a joke -the plan was supposed to cover our 3 pets. Every single time I sent a claim in it was not covered or needed some additional information which in the end resulted in no coverage. It's not insurance it's just junk. They will gladly take your money but don't expect much from them and you will not be disappointed.
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sharlot mandrell
6 months ago
Review for my baby Peaches
I’ve had insurance on Peaches through Nationwide almost 11 years, I’ve been very happy with my experience. The people I’ve talked to and the speed of return after I’ve filed has been a number 10. Thank you for accepting my baby in 2012. I spoke to Valerie on May 21, 2023 and she was quick to resolve my problem, I ask Valerie, if I had to call back could I talk to her? Valerie gave me her extension, so I will definitely ask for her next time I need help.
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mayar sadegi
6 months ago
Stacey from Nationwide is the kindest, most helpful individual
Honestly, I have been with Nationwide for sometime now, and to be honest, there have always been people that seem like they are trying to help, but when you call the next couple days nothing changes or they don't receive anything... I finally found the most perfect representative that I would want to speak to every single time I call Nationwide. The representative that I truly believe deserves the absolute most credit for actually caring for your pet, caring for the documents and if they are received, and trying to make your experience as easy as possible is Stacey De Dea. Stacey is truly an AMAZING representative, and deserves recognition from Nationwide themselves. She. goes above and beyond to make sure everything will be in line for your pet. Stacey literally is the only reason I am not going to leave Nationwide. Thank you so much Stacey for all of your help, always. You are a blessing, and especially just an overall sweet, kind, and caring individual. Thank you Stacey for everything you do. Not only for me, but for everyone else that is lucky enough to cross your path.
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paul calhoun
6 months ago
I have been dealing with Nationwide for…
I have been dealing with Nationwide for a few years now and they have always been easy to deal with. I recently added a new pet and they misdiagnosed a pre-existing condition. I called and got Miranda and she was super helpful and made the dispute process easy (and entertaining). I will continue to use Nationwide for as long as I can and will request Miranda specifically anytime I can.
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kristine scott
6 months ago
Always very helpful when I call with a…
Always very helpful when I call with a question, and today I found out other information that I did not know, so it was extra insightful!
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susan rubini
7 months ago
Great co with fantastic customer…
Great co with fantastic customer service!
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susie bigley
7 months ago
The customer service representative was very polite and accomodating.
The customer service representative was so helpful in answering my questions regarding claims. The only thing that changed was my first pet has better coverage than my second pet. They no longer carry the same coverage that I got for my first pet. That was a little disappointing but he still has good coverage but not as good as for my first pet.
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cindy
7 months ago
Amber was really great in answering all…
Amber was really great in answering all my questions. She was able to let me know I was on the right track with my thoughts about Mia's insurance plan. I am now able to make a sound decision on Mia's treatment. Also, Amber was very nice in wishing Mia well and to give extra ear scratches to Mia for her. That helps in making the call more personable to me and my Mia. I appreciate. Kudos to Amber!
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francheska santos
7 months ago
Nationwide is truly on my pet's side!
Miranda was so awesome to talk to. She was super friendly and helpful! I have Nationwide pet insurance on all of my furbabies and would highly recommend it to anyone looking for a pet insurance!
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not a fan of labcorp
7 months ago
The best decision that I made was to…
The best decision that I made was to get a Nationwide Pet Insurance policy for my 11 week old Bichon Poodle, Beejay, in 2008. Very sadly, Beejay passed away on 4/18/2023, just shy of his 15th birthday in May. Having a Nationwide Pet Insurance policy, throughout his life, made it possible for me to provide him with “thee” best Veterinarian medical care available including Veterinary Specialist which gave me peace of mind. Thank you Nationwide Pet Insurance team for helping me to provide Beejay with a munched loved, happy, healthy and long life.
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gerald kern
7 months ago
Ernesto handled my problem quickly and…
Ernesto handled my problem quickly and efficiently. The website, on the other hand was a disaster. It really needs some serious attention.
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beth burch
7 months ago
My detailed experience with Nationwide pet insurance… So far.
My little Pomeranian Buffy, is two years old and I have had nationwide almost since the day I got her. The peace of mind I’m able to have, knowing she will be taken care of should she be injured or develop a disease is beyond comforting. Over my 55 year life, I’ve had many furbabies, and have had to pay out of pocket some rather exorbitant costs for kidney disease, pancreatitis, and cancer some of my babies suffered from, so knowing I have this security for Buffy is truly a weight off of my mind. Money is more tight than in years past, and I would never, ever want to have to let one of my babies go because I couldn’t pay for treatment, so I consider nationwide a blessing. The process for a claim is incredibly easy, they quickly pay, and with the policy I have, they even pay for wellness visits, including their yearly physical, dentals, etc. with only a $250 deductible, which as any pet parent knows, can be the cost for one vet visit for even a simple issue. The only thing I would change is their process for determining pre-existing conditions for puppies. Most puppies have worms, and sometimes ear mites, and Buffy had both of those when I got her at seven weeks old. Sadly, nationwide then determined gastrointestinal issues and ear problems to be pre-existing conditions. Obviously insurance companies need to cover themselves when an animal has actual pre-existing conditions, but the vast majority of puppies have either a simple parasite or mites, which are treated, and then never have again. There is a review process where you can get nationwide to re-determine whether your fur baby can have those pre-existing conditions removed from the policy, which I’m in the process of doing now, but I honestly believe for brand new babies nationwide should give some latitude when it comes to determining pre-existing conditions with such a young pup. I signed Buffy up as soon as they would allow, I believe which was 12 weeks old (I could be wrong about that, but it was very early in her life, at just a few weeks old), and she has never had another problem with her ears or her tummy, except once, when a neighbor through something over the fence, which she ate, and then got diarrhea for a day, but that is not a pre-existing condition, that is simply a furbaby eating something that disagreed with them. Hopefully Nationwide will review Buffy’s medical records over the last year and realize that she is an extremely healthy dog who has no pre-existing conditions whatsoever. So I will have to hold off on judgment regarding the review process until it’s completed. If the review process goes smoothly, then I would absolutely raise my star rating from four stars to five stars, but I would suggest nationwide take a look at determining pre-existing conditions and brand new puppies, especially regarding things such as a parasite, like worms, or ear mites, since it is so prevalent in the vast majority of puppies. In conclusion, I am grateful to be able to have this Safety net for Buffy and for my peace of mind. Thank you Nationwide, and I guess after the review process, we will see if you’re really “on my side” lol. One final thing, the agent I spoke with today regarding how to do the review to try and eliminate the pre-existing condition rider on Buffy’s policy, was just a spectacularly wonderful person. She was knowledgeable, kind, funny and understanding. She was truly a pleasure and a blessing to speak with, and I hope all the other agents are just as wonderful as she is.
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mildred fagerlund
7 months ago
I spoke with Chris and he was…
I spoke with Chris and he was knowledgeable, friendly, and explained things well. I've always had a great experience talking with Nationwide and today's was no different.
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leandro repossi
7 months ago
Alexis
Alexis, was very professional and she answered all my questions that I had. Thank you Alexis!
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basicommmsn.com
7 months ago
WHAT CARING IS ALL ABOUT
The person answered my questions very politely. She was knowledgeable and friendly but mostly she acknowledged my pain and I could tell she was genuinely feeling my pain when I reported my pet's death. God bless her.
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tharinee
7 months ago
So informative agent and help me with…
So informative agent and help me with my policy choices. Answer all my question with knowledge. Thank you so much.
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donald miller
7 months ago
Best of the Best !!
My experience with Nationwide & VPI has been an extraordinary journey now in our 26th year in every way for service & help above & beyond measure. You can't get any better than #1. Thanks Nationwide. don miller
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ev kim
7 months ago
Very helpful!
Kiara was very patient and understanding with me. She also handled everything with ease and got all my issues handled without any hesitation. Very helpful and looking forward to calling the help line next time I need assistance
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andrea
7 months ago
Wonderful Customer Service
Carl was very thoughtful! I called in with a claim question and he thoroughly combed through months of medical records to ensure he was providing the best advice as possible. While I didn’t get the outcome I was looking for, the logic and reasoning he provided made sense. I’m thankful he took my call tonight; he’s definitely an asset to Nationwide.
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cindy schwinn
8 months ago
I had nationwide for years and as the…
I had nationwide for years and as the animals got older the premium went up. Ok that’s kinda normal but the denied every claim. I paid 10 of thousand dollars to insure 5 pets. I canceled today after another run around re: another claim. There are other better insurance policies with other companies
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nick
8 months ago
Terrible insurance, total scam!
Terrible insurance for your pet. I bought 2 policies when I got 2 puppies. My coworker told me great things about their policies. What really sold me initially was the wellness coverage. What a mistake I made listening to him. The 1st thing is the wellness only covers vaccinations, flea, and heartworm once. After that you will be lucky to get a dime let alone an explanation as to why they don't cover basic vaccines. Recently submitted a $600 plus vet bill for annual vaccines and checkup. Only received $70...yup you read that right. The premiums cost more than the reimbursement. My renewal came in March and somehow a vet bill from April has already met my yearly reimbursement evethough they paid almost nothing out. Really shady insurance company. Don't buy anything from them.
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scott motter
8 months ago
If you don't like the first answer just call back and you can get a different one.
35 minutes on hold while 2 of them scrambled to come up with a reason my claim was closed with no communication. They finally said well there is a gap in the medical records that is why? What!! 6 weeks she didn't go to the vet during this time so now they want me to fill out another form saying there was no treatment. I just sent you her entire medical records but thats not good enough they want me to lie on a form. I called back and got a completely different answer. Very frustrated!! Now they say don't believe the web site the claim is on hold pending review don't send the forms we told you to submit 10 minutes ago. Not impressed so far. What is my time worth?
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jane
8 months ago
My customer service representative was…
My customer service representative was beyond helpful, very patient. And after YEARS of not being able to access the portal, my rep was able to help me reset my profile and I’m finally able to log on and view the portal. THANK YOU SO MUCH FOR ALL YOUR HELP!
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dean
8 months ago
I called twice today and you're…
I called twice today, you're representatives were friendly and said they would send me a form to fill out to my email. However on both occasions I did not receive the form. This is regarding to a mistake on your insurance binder regarding my Dog who is listed at being Obesse, he wasn't and isn't. Now I have to try your website to see if I can find a form to send in. I'm not having much luck.
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patrice johnson
8 months ago
Good Customer Service
Valerie was kind, patient and knowledgeable. She was able to answer my questions and explain the details in person.
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lee beville
8 months ago
1 year of insurance and I renewed for a second year.
I've had Nationwide for about 1 year and used it once when Zoey my cat had a lesion on her face. The claims process was fast and I was happy with the contract. I just renewed the contract for another year. I am sure I won't have any troubles with the company. Some companies have better ratings, but as far as I am concerned Nationwide is right up there too!
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deborah b
8 months ago
My experience today was with customer…
My experience today was with customer service & web support. I spent quite a while on the phone with Alexis trying to get into my account to file a claim for my pet. She was very knowledgeable, made several adjustments & walked me through making adjustments myself. She was able to get everything fixed & I could successfully file claims again. She was extremely patient, well spoken & friendly. My experience is first class!
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m w
8 months ago
Terrible company with terrible customer service and communication
No communication. Underwriting team sits on medical records longer than 30 days and sends no communication to give you updates. Multiple calls to try to get things resolved. This company seems to have no regard for their clients and their pets. There are plenty of other better pet insurance companies out there. If your employer offers this one, Id suggest you petition that they switch to another carrier as Nationwide appears to drag their feet on paying claims because they don't seem to hire enough employees to process them.
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sui nieh
8 months ago
Nationwide is the only exotic pet…
Nationwide is the only exotic pet insurance in the US and I am grateful for them. It allows me to offer all available treatment to my pet rabbit Rose for her arthritis and give me peace of mind for my rabbit Koa.
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julie brosz-turney
8 months ago
Policy Exclusions
I called to discuss the letter I received that cited there were exclusions to my dogs policy due to a pre-existing condition. I had no idea when I signed up for the policy that Jace had any prior issues. Nationwide's Angela explained to me that the exclusions could be reviewed in six months if Jace didn't have any recurring issues with the items mentioned in the exclusions. All good information from Angela and she even sent me the form for follow-up for a review in six months.
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johanna v
9 months ago
Satisfied customer
Dealing with Nationwide is always painless and they never give me any hassle . every time I have a problem they are there to help and I've been with them for over 5 years and they've been great and treated me great and are always so friendly.
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b gordon
9 months ago
I am so pleased with Nationwide
I am so pleased with Ernie, the beagle’s, pet insurance. Claims are processed swiftly and fairly. I would recommend for anyone with a young dog!
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nidia ortiz
9 months ago
Fantastic Customer service!
Kristina is the sweetest customer service representative. She answered all of my policy questions and reassured me. She was thorough in her explanations of my policy and I was able to comprehend my policy with no confusion. Kristina is a gem!
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patrice jacobson
9 months ago
I have been using Nationwide Pet Insurance for Years!
I have been using Nationwide Pet Insurance for many years. I started using it because my company provides a discount however even without the discount I would have still stayed with Nationwide because: they care, it is easy to submit a claim, the different plans fit within my pets needs, the customer representatives are TOP NOTCH, the cost is exceptional for the types of plans, the claims are reviewed and actioned on within a very reasonable amount of time and the payout process is so seamless!!!!!!!!!! I wouldn't use anyone else!!!!!!!
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victoria lavender
9 months ago
I spoke to Angela!
I spoke to Angela about 'what i thought was an error, a submission marked "duplicate". Angela was patient & found my error. She also (kindly) asked how my dog, Teddy was feeling. It was a wonderful experience. I have been with Nationwide for many years and many pets, they are great! But Angela made the experience less stressful on me. She deserves to be a manager! Sincerely, Nina P.
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cara jorgensen
9 months ago
Sharria in customer service is wonderful
Sharria in customer service answered all my questions and clarified some frustrations I was experiencing with the amount of money I am paying for my dog Nacho’s medical coverage versus the amount I am being reimbursed. I pay a hefty monthly premium and it sometimes feels like I never get reimbursed because of my dogs medical exclusions. Sharia was kind and patient with me.
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kathy murphy
9 months ago
Commendation for Shirria
On Tues., 2/28, I spoke with Sharria after having sooooo many problems with your website and especially even getting to speak with anyone for at least two weeks. She was incredibly knowledgable, patient, and was able to answer ALL of my questions. Please give her a BIG shout out and a great review. Thank you Sharria.
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brandt
9 months ago
On Friday 2/24 a representative…
On Friday 2/24 a representative encouraged me to submit an invoice even if some items aren't covered. On Saturday 2/25 Angela was very helpful explaining that my claim (submitted today) likely won't register on the website till Monday
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mary katherine flanagan
9 months ago
Double Charged for premium
We have used Nationwide pet insurance for decades (formerly VPI). As our dog ages (now 9.5 years), our premiums have increased dramatically. However, given the breed (Doberman) and breed-related health challenges, this is an expense we happily pay. We paid off our annual premium on 2/22/23 and we were double charged $1295.00. I called Nationwide and they agreed and quite nonchalantly said, "oh this should drop off in 3-5 business days and further said "it's in the cloud and there is nothing we can do about it." ABSOLUTELY ABYSMAL CUSTOMER SERVICE. ***. Update *** I received the following reply from Nationwide and appreciate their prompt review. "I do see that we are authorizing one payment in the amount of $1295.91 and holding the same funds until the initial payment processes successfully. Sadly, when a payment is over a certain amount, the Banks auto hold the funds to ensure the payment processes." Nevertheless, I wish Nationwide would publicly state the reason behind this practice. It seems they are able to use customer funds with no regard to any inconvenience caused by significant holds, i.e. over $1K - this is, IMO, a terrible business model.
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amy t-h
10 months ago
It is sad how little they care…
I only received this pet insurance because it was offered through my job, and costs would be taken out of my paycheck (seemed simple enough). However, little did I know what a nightmare this insurance would be! Sadly I had to euthanize my cat due to cancer, and they made the process of being reimbursed for her euthanasia/cremation a nightmare. Putting a pet to sleep is difficult enough, but having to drag out claims with insurance made it so much worse. They don’t honor policies and clearly do not care about pets/pet owners. It is quite sad how little they care. Thankfully, I canceled policies for my two dogs who are still living, and going to transfer to a much better company!
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gregg engelkes
10 months ago
I love the coverage my dogs have
I love the coverage my dogs have, and I'm honestly grateful for Nationwide pet insurance. Without it, I wouldn't have been able to give my dog the help he needed, to treat his cancer. It's sad, I'm heartbroken, but I got more time with him than I would've had if I didn't have this coverage. We love our pets, they'll come and go throughout our lifetime. There are two things I'll continue to do. 1) I'll continue to share my life with new fur babies. 2) I'll will never hesitate to use Nationwide pet insurance. I would suggest doing your homework and understand the types of coverage they offer. If you're unsure of things. Speak with a rep. Trust me
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karen michel b
10 months ago
USE ANYONR BUT NATIONWIDE
Nationwide pet insurance is useless in NY. For a bill of over $300 for Entiritis (where my dog wasn't eating or drinking for three days) guess what they paid? $83. Tell me what vet in Rockland County NY treats even an ear infection for less than $100. They are such a disappointment. VIP (my original pet insurance) was so much better. I will NEVER use them for any of my future pets.
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justin kiesz
10 months ago
Terrible
Terrible. Do not honor rates. Reimbursements not paid according to policy. Completely ignored reconsideration request. Total lack of customer service. Use another insurer. Plenty of better options.
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vicky williamson
10 months ago
Carl was patient
Carl was patient, listened and made sure I was taken care of! Carl went above and beyond to help me and both my pets. He is truly an asset to your company!
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robert reese
10 months ago
Great help switching my credit card
Great help switching my credit card. Also waiting for me to get my text mail...
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lorraine
10 months ago
Valerie
Valerie, the lady who assisted me was friendly and informative. She resolved my queries. I truly appreciate the help. My compliments on your service.
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tess
10 months ago
Great professional customer service
Great professional customer service. Very helpful and no hassles.