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BestMoney.com
Nationwide Review
Reviews 141
Nationwide
Nationwide
Excellent
Reviews 141
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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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See what some costumers are saying about Nationwide
Nationwide
Excellent
Reviews 141
on
Excellent
82%
Great
3%
Average
2%
Poor
1%
Bad
12%
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robert reese
4 days 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
7 days 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
15 days ago
Great professional customer service
Great professional customer service. Very helpful and no hassles.
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katherine smolen
a month ago
GREAT PET INSURANCE COMPANY
Every interaction I have had w/ Nationwide Pet Ins for the past 15 yrs has been absolutely stellar. The staff hired there are truly caring people who love pets. The claims process has been easy and quick too. I highly recommend this pet insurance company to anyone who has a pet they love and want to keep him/her healthy.
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christina
a month ago
Excellent customer service and fast claims processing
Every Nationwide customer service rep I have spoken to has been extremely friendly and helpful. Turn around time for processing claims and receiving reimbursement is speedy and I have had no problems with coverage transparency. I would highly recommend Nationwide's pet insurance.
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jenny grover
a month ago
The way they treated me anytime I…
The way they treated me anytime I called Nationwide. The fast answered that I always received and the concern they always gave to me anytime I called.
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farid puente
a month ago
Megan was AMAZING!!
I called too try to get some help on a claim and Megan went above and beyond to help me. Show showed that she cared and made the call special and memorable. Thank you so much, Megan!!
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natalia hubisz
a month ago
Coral is a great service rep
Coral was very patient and explained what I needed to do to resubmit my claim. She explained some information about the plan my pup has. Coral was genuine and caring thrughout the conversation.
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bart borg
a month ago
Agent was very friendly and helpful
Agent was very friendly and helpful. Answered all my questions.
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julie
2 months ago
Coral went the extra mile-thank you!
Coral took the time to update accounts on several pets, and set it up to ensure continuous coverage. Answered all of my questions, and went the extra mile. Thank you!
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helen burke
2 months ago
Thanks for your help
Thanks for your help! Both customer representatives were extremely helpful.
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diana matison
2 months ago
The representative I spoke to today was…
The representative I spoke to today was Carl, and he was great. He took the time to explain things to me and I did not feel rushed on the phone at all. He made sure I could find exactly what I was looking for. Thank you Carl!
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frank
2 months ago
Customer Service Rep, Nennetzy's PHENOMENAL!
Customer Service Rep, Nennetzy is what made my experience great! She took the time to assist me with my concern and resolved the issue with my lap top that would not let me download documents! She was like a tech help desk! Thank you Nennetzy, you are simply PHENOMENAL!
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joseph chirillo
2 months ago
Had a great conversation with Jennifer…
Had a great conversation with Jennifer today she was very. Professional competent personable and polite. She was patient with me answered my questions and helped me set up my portal. She listened before speaking and was extremely helpful on informing me of my coverages. Great employee to have on your side!
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janel holtz
2 months ago
Octavia was very understanding to my…
Octavia was very understanding to my situation we had our puppy pass away and she was so sweet and kind to answering all my questions since I was just becoming a new customer!
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l strong
2 months ago
The representative I spoke with today was great!
The representative I spoke with today, Octavia, was great. She answered my questions and addressed my concerns immediately.
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r smith
2 months ago
Kayla is a wonderful representative for Nationwide.
I have Pet Wellness Plus policies for 7 of my dogs. I have always had great service from the representatives I have talked to at Nationwide. Yesterday, Kayla helped me with various questions and was very friendly, knowledgeable and professional. I have an on-going problem with claims because my vet clinic apparently codes their invoices in a way that makes the Nationwide adjusters miss the heartworm test. I have to call Nationwide every time about this, which accounts for the 4-star vs. 5-star rating, but the representatives are always willing to help resolve the issue.
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robin
2 months ago
Just an average company
Just an average company. Answered my questions ok, Coverage cost high with high deductible. In recent years had automated claims process.
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pamela
2 months ago
Love my policy for our dog Zaley
Love my policy for our dog Zaley. It makes caring for her more than managable. Customer service is very responsive and friendly.
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neimah ray moyer
2 months ago
Had a great experience with Nationwide…
Had a great experience with Nationwide for our Spanish Hound TAMI! I had a lot on my plate to handle and she did a great job remote!!! I just moved here to FLA so all of this is new for me to have to explain new address and new Vet You cant go wrong with Nationwide,they are truly on your side!
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rod
2 months ago
Don't trust these snakes!!!
Don't trust these snakes!!!! My vet's office recommended them, and they were wrong!!! I thought I was setting up insurance for my 2 cats, and I was promised that they would call my vet for medical records and send me a packet 3 weeks ago! Meanwhile, today (Cyber Monday), 1 of my cats gets sick, and I have no insurance packet! The 1st couple of phone #'s on Google and their own website weren't willing to talk to me due to a "high call volume". I finally called another # and finally got someone to talk to me. The problem is she gave me a completely opposite response to what I was originally told!!! According to her a letter was sent to me a month ago, saying I had to provide the blood work and medical records for my cats!!! Not only was that not what I was told when I was setting up the insurance, but the letter never arrived!!! Do not trust these lying snakes!!! My cat, a faithful companion might die, and I could be out 10 grand because these lying pieces of poo didn't keep their promises to me!!!!!
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carmen adams
2 months ago
I refer your company to friends and family. You guys have exceptional customer…
You guys have exceptional customer service Kudos!
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s u
3 months ago
Great customer service
Great customer service! Sincere, kind, and interested in my little ones. That means a lot!
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marcy zucchini
3 months ago
Mikai was great
Mikai was great! He answered all my questions. Nationwide pet insurance and the representatives is the best!!!!!
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jayne c.
3 months ago
Very happy with Nationwide Pet…
Very happy with Nationwide Pet Insurance. The coverage with our plan is excellent. Anytime I have questions and call customer service they are more than happy to help.The claims are done quickly also. Highly recommend!
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kathleen neary
3 months ago
Nationwide has a Person behind them Named Heather - not just an insurance company- there is Heart!
I just lost my amazing puppy Winston and Heather with Nationwide was there to help me though the last of his claims but more than that she was kind, empathetic and so helpful in a time where I am truly devestated. Thank you Heather for being there to help me and for being an amazing representative of Nationwide- I appreciate you!
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nathan demay
3 months ago
After months of frustration
After months of frustration with the online portal, Nennetzy managed to track down the issue and fix it. She was methodical and all around excellent. I am very grateful for her help. She exemplifies top notch customer service.
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jim geld
3 months ago
Great Customer Service
Customer service owned my question and responded immediately.
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vince leonard
3 months ago
Wouldn’t recommend
They gave my dog a medical exclusion for something he’s never been seen for? I do not understand that. But that’s the way the world works now. They used to be a customer satisfying company, but now they are interested more in financial gains.
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jill miller
3 months ago
We are so grateful for Nationwide
We are so grateful for Nationwide, we would never have been able to help our dog the way we have been able to without them. In the past year my dog was diagnosed with stage four cancer, and now has torn a ligament, because she was chasing deer!
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audra
3 months ago
I just appreciate Nationwide for being…
I just appreciate Nationwide for being there for me and my family when we recently lost our beloved dog Ace. Everyone has been so kind and patient with us. Meredith was absolutely wonderful. She's definitely a keeper!!!
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darienne sandoval
3 months ago
Meredith was extra friendly and super…
Meredith was extra friendly and super helpful.
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deborah st. ama
3 months ago
Professional
Professional staff that helps you with any problems, always pleasant. The claims are easy to submit, and Nationwide is prompt with their reimbursement.
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sarah schoeneman
3 months ago
Absolutely wonderful company
Absolutely wonderful company to work with. Calling and talking to them about coverage for my dogs is extremely easy and pleasant. My pets Insurance is the hell of a lot easier than talking to my own health insurance. I would recommend this insurance anybody that wants a pet.
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happy dog mom
3 months ago
Incredible Customer Service
Incredible Customer Service! Sammy was patient, kind, knowledgeable, fast and efficient. She was lovely!
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beccah
3 months ago
Great customer service
Valarie was so helpful in answering my questions about my coverage and how to appeal a denied claim. She was so patient, kind and compassionate.
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cherrlynn hubbard
4 months ago
Jonathan M is good for Nationwide
Called to set up insurance for my new dog Mina and talked with the nicest rep by the name of Jonathan M. I already knew I wanted pet insurance but if I wasn’t sure talking with Jonathan definitely would have helped me decide to go with Nationwide. Thank you Jonathan for your professionalism, knowledge and the laughs.
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ka
4 months ago
This company continues to find way to…
This company continues to find way to decline claims. It is almost comical at this point. In this latest instance, my dog physically hurt his paw and they are asking for medical records for the last 16 months so see if his current hurt paw is a pre-existing condition. Anything they can label as a pre-existing condition is their way out of paying. The person that tried to help me was kind and understanding, but she couldn't help. The company used to be great and I would have recommended them with no concern. I would never recommend them at this point. Something happened over the last couple years - making them extremely hard to deal with and trying to screw the customers in any way possible. As someone who has had this service for years, I have been a very loyal customer that has paid them a lot of money, and nowI am debating if I just cancel because I don't have the energy to fight them time after time- especially for something as cut and dry as an injured paw.
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terra b
4 months ago
Have been insured 28 years
Have been insured 28 years . Was treated like royalty with VPI then Nationwide acquired VPI, the transition was seem less! Same expedient/professional service. Through the years we’ve endured Hip replacement surgery, & literally everything in between. Nationwide has been a life saver. As with any insurance, If you have the proper coverage you will be taken care of. I’m truly grateful we have this amazing coverage as we move forward into Chantilly’s senior years! Thank you Nationwide!❤️🐕
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christine
4 months ago
Been a client for over 10 years.
I've been with Nationwide for both my dogs for over ten years. They have knowledgeable service agents that can answer all my questions. Yes, I have had some claims that I didn't agree with the decision. Nationwide does review a claim that has been denied if you request it. I see some of the unfavorable reviews - complaints of no reimbursement whatsoever - the reason might be due to the coverage selected. I have the Major Medical Plan and the CareGuard Premier Coverage. These two benefits have offered us the most coverage - my dogs have been through two knee surgeries, chemotherapy for both and diabetes. When my little guy passed away Mid-July, Nationwide reimbursed all the remaining money paid for his policy. Overall, I firmly support Nationwide in caring for my dogs.
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bill
4 months ago
Haven't had to use the policy
Haven't had to use the policy, but credit card renewal did not occur and the Nationwide agent, Miikai, helped me out and brought the account up to date. He was a knowledgeable and professional young man. Hope to never use the policy, but so far, a good experience with Nationwide.
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david zapata
4 months ago
Nationwide denies claims even for colds a stomach problems
I paid for the best insurance possible with nationwide to ensure i felt a sense of safety and security. I took my dog to the vet because he was having stomach issues and had a cold. We had to send his stool for testing and had a full medical exam to see what was up and he prescribed some medicine for us. This all cost me $450. Nationwide has a $250 deductible. I was expecting $200 back and they sent me $6 saying his cold and stomach issues were a pre-existing condition they wouldn't cover. What a sense of shock and disappointment that a vet visit suddenly cost me so much money. Nationwide made me go through a dispute process and still denied my claim despote the vet saying as well it was a in the moment stomach bug and cold. He's a 8 month old puppy! Terrible pet insurance company. Avoid at ALL COSTS!
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christy diffey
4 months ago
Great experience with Nationwide pet…
Great experience with Nationwide pet insurance. Today, I had to call and cancel a policy for my cat that recently passed away, I spoke with Carl and he walked me through step by step and made sure everything was done correctly. He was also extremely sincere and caring about the loss of my kitty. It was very appreciated during such a sad time. Thank you Carl and Nationwide! -Christy
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sam villapando
4 months ago
Policy and Claim Assistance
I spoked with Aryan and she was AMAZING and went above and beyond with the information! I had asked for clarification and extra details on the policy I have and she gave all the info and gave info I probably wouldn’t have found online. I explained I needed further information on the policy as I’m deciding what Puppy Wellness Package to get through my vet and she gave extra information on everything needed when submitting a claim for the package! ABSOLUTELY amazing customer service!
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amanda palandri
4 months ago
I've never had a more positive experience
I have never spoken with a representative for a company that made a phone call so pleasant and hassle-free. Stephanie spent nearly 40 minutes helping me to understand my policy and describing the benefits of my policy. It was such a seamless experience and I appreciate all the information that she gave to me. She was extremely knowledgeable and was able to answer all of my questions in depth. It was such a positive experience and makes my decision in choosing Nationwide more sure than ever. I will definitely be recommending all of my friends and family to Nationwide because of the customer service and care I received during this phone call. I can't thank you enough, Stephanie.
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moriah
4 months ago
Cryptorchidism
I had a great experience with the representative that I spoke with regarding my dogs benefits. Unfortunately they aren’t able to cover neuter due to cryptorchidism as it is considered a defect/abnormality. Along with any related illnesses from the cryptorchidism such as cancer and testicular torsion. I am not to surprised I’m just glad that they were able to answer my questions. They didn’t make these policies so there was definitely no need to get upset with the representative.
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iveth mendoza
4 months ago
Troubleshoot
I was having trouble setting up my electronic refund. The representative was very patient and helpful on the phone. She was willing to wait and troubleshoot the issues till we figure it out, even though it took us 30 something minutes.
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sj spector
4 months ago
Discontinuation of Wellness Coverage for Pets
I am very disappointed that Nationwide has made the unfortunate decision to no longer offer wellness coverage for their exotic health insurance. As a bird owner, wellness doctor visits are vital to ensure the good health of birds. This is an awful awful decision.
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craig fireman
4 months ago
Save your money
I paid $847.00 for a policy which included wellness care. Physical exam, vaccinations, fecal and heartworm tests, cost me $524.56. They reimbursed $240.00. My dog hurt her leg. Vet bill was $269.67, they paid $3.93. So for $794.23, they reimbursed me $273.60. Would you call this good insurance? I call it a scam. They seem to think that veterinarians are charging 1970 prices today.
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john obrien
4 months ago
JUST CALLED GET A FEW ANSWERS
JUST CALLED GET A FEW ANSWERS - THE ANSWERS WHERE PRECISE , EASY TO UNDERSTAND . “ PERFECT “ !
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matt
5 months ago
There are better options out there
Canceled today to find a company that actually cares. Applied through my employer, provided all medical records for my dogs, confirmed no pre-existing conditions, and was told my policy would go into effect in 30 days. Well, my dog desperately needed a teeth cleaning so near the end of the 30 day period I paid for the pre-dental exam, that way once insurance kicked in I could take him in for the full cleaning immediately. Well, after insurance kicks in and I get his teeth cleaned I submit a claim for the full cleaning and they say because I got the pre-exam a few days before the activation date it qualifies as a pre-existing condition. The insurance wouldn't have covered the pre-exam anyway, that's why I paid for it and we confirmed he had no pre-existing conditions before that. Obviously, I would've waited another couple of days if this little loophole was made clear by the mountain of documents they sent me or by any single agent at all, but then they'd actually have to do their job and cover my pets. Absolutely ridiculous, I'm finding an insurance provider that will actually do what I pay them for and take care of my pets. Glad I found out they suck early so they didn't get much of my money.
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amy scott
5 months ago
This is a SCAM
This is a SCAM. They do not cover ANYTHING. Vaccines, check-ups, ANY diagnostic testing, treatments, or medicine. What does that even leave to be covered? Before denying your claim, they will make you jump through dozens of hoops & submit a mountain of medical records knowing full-well from the moment they receive the receipt that it will not be covered. I will NEVER be purchasing ANY kind of insurance through Nationwide because they're clearly a disgusting company just trying to rob people blind.
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kathy
5 months ago
I have always found Nationwide to be…exceptional
I have always found Nationwide to be professional and fair. I always recommend Nationwide to all the Paw Parents I know.
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karen kaczmarski
5 months ago
I have Nationwide Pet Insurance for my…
I have Nationwide Pet Insurance for my Dog. I would recommend them to everyone
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consumer
5 months ago
Fast claims resolution and payment!I have had Nationwide insurance for…
I have had Nationwide insurance for several pets over the past four years. I am very happy with the fast payment and resolution of claims. Because of Nationwide Pet Insurance I have been able to provide better care for my pets with less financial stress! I wholeheartedly recommend Nationwide Pet Insurance.
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nina thomas
6 months ago
Why Nationwide is the perfect choice
Handling my issues was easy, the representative particularly helpful and professional. It has been a pleasure for me to have chosen Nationwide for my furry friend.
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bianca easley
6 months ago
Greatest decision ever!
Really grateful for this insurance. I had to update payment info and Kiahara was very helpful and made the whole process quick and painless. I definitely recommend this insurance to anyone who has pets.
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tp
6 months ago
Nationwide is a SCAM
Our monthly insurance cost was $200 per month and Nationwide capped coverage at $400 per year! What a sham.
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ken nicolay
6 months ago
I had a billing payment problem which…
I had a billing payment problem which turned out to be my issue. I was sending my payment to the wrong address. I spoke with three agents, all of whom worked very hard to come up with a solution. No one understood why they had not received the check, but all did everything they could to figure out the problem. I did not write down the first agent’s name, but I wrote down Jeanae and Amanda. All of them were personable and professional, giving me everything they had to offer. Between all of us, the source of the problem was found, and I provided a new address for my bank. Good people all. Thanks.
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cody gerula
6 months ago
Have always been super helpful and very…
Have always been super helpful and very quick with all payments and responses.
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andrew crawford
6 months ago
Awesome help..
Awesome help... answer everything I needed!!
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maria vargas
6 months ago
Great service!!
The representative that helped me on my call was super attentive and helpful. One barely experiences people via phone calls that are willing to help out so I’m thankful I was able to get a nice and helpful rep that answered all my questions.
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janette zucker
6 months ago
Content and beyond confident
I called up just to confirm that all was good with my puppy's records and it was -- the rep was delightful, proficient and efficient and helped me considerably --I've been very happy with my Nationwide insurance and I advocate it to everyone I have contact with-- that it's very important to have good pet insurance!!!
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lorena vizcarra
6 months ago
The representative I spoke to on the…
The representative I spoke to on the phone was helpful and very thorough.
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linda
6 months ago
Good Coverage is a Thing of the Past
I have Nationwide Whole Pet with Wellness insurance coverage on my Havanese. It is expensive and I may not be able to keep up with the increasing premium much longer. It seemed worth the cost at first because they covered her laparoscopic spay and her first teeth cleaning at 90% after the initial $250 deductibles were met. (The procedures were done in different years.) I’m getting another dog, but they no longer offer the plan I have on my Havanese. It seems that Insurance companies are focusing on major medical issues rather than wellness hoping that they won’t have to pay out. It’s sad that properly caring for pets is becoming cost prohibitive.
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ellen higa
6 months ago
Martha was very friendly and helpful!
Martha was very friendly and helpful. She thoroughly explained the process. Unfortunately, my little doggie passed away. I am very grateful to everyone at Nationwide. The service I received for her health insurance was top notch!
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nina tomaro
6 months ago
If I could give Zero stars I would
If I could give Zero stars I would. This company seems to go ABOVE and beyond to DENY any claims they can. They have been awful to my mom and have tried to tie different vet visits together to claim they all had to do with a pre-existing condition, which by the medical notes from the vet herself and basic logic, had nothing to do with it. They will go above and beyond to deny your claim, but give you the run around when you want to file an appeal, which honestly, they are going to end up denying anyways and waste your time and money. Buyers beware, do not purchase pet insurance from Nationwide, it's a waste of money and time. I would be ashamed to be a part of this organization, and I can only imagine what getting other types of insurance through them is like... terrifying.
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marguerite karner
6 months ago
Kudos to a fine customer service rep!
I would like to commend your customer care phone representative, " Carl". He was extremely efficient,and also very patient about my concerns. I called because I had to update payment information,as my bank debit card had been lost. I was worried that my monthly premiums would be denied for the account as payable to Nationwide. However, Carl was able to supply all my previous information,and then record the updated data. He was very knowledgeable and supportive. I thank him. I hope his superiors will note my appreciation and share with him. Thank you! Marguerite Karner 8- 1- 22.
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nancy bravo
6 months ago
H U G E Lack of Communication
I have my 5 cats under Nationwide since October 2021. I recently tried to used it bc my cat was diagnosed w ringworm. I noticed he was not on my Nationwide pet account, so I called & they let me know his policy was cancelled. I was confused bc when I signed up my cats, this specific cat's policy was duplicated & they let me know they would cancel the duplicated policy (leaving one policy active). I assumed everything was correct & activated. I did not need to use his policy until his ringworm diagnosis. So when I was on the call w Nationwide & they were telling me both his policies were cancelled, I was confused. I was told they could reinstate him, but I would need to pay the premiums I had not paid (10 months worth) bc his policy was cancelled. My second option was to create a whole new policy for him and only pay the first month and the installment fee (i think it's called), which would be A LOT cheaper. However, bc he was diagnosed with ringworm, that would count as a pre-existing health condition if we were to create a new policy for him, which would not be covered. I was upset at the fact that they did not clearly communicate the fact that both his policies were cancelled 10 months ago - their answer on the phone was "we called you in December 2021 & you did not answer so we left a voicemail". One S I N G L E voicemail, I went back to my voicemails and noticed it was buried in the many spam voicemails I receive. In the voicemail, it was mentioned that one of THEIR representatives did in fact mess up and cancelled both policies. I would have liked if they tried to call at least a second time, since it was THEIR mistake both policies were cancelled. When I was reinstating him, they mentioned that I would have to pay about $250 in premiums. I called the next day to make a payment and a representative told me it was going to be $500 something... I was shocked & did not understand where that amount came from. I asked to speak to a supervisor & while the representative placed me on hold to get their supervisor, she said, "sorry I miscalculated, it's actually $250". I no longer wanted to speak to that representative as I felt she was providing me w incorrect amounts. When the supervisor answered, she confirmed it was $250 and then mentioned that I was not being given the bundle discount for my cat so she added that... the $250 payment was made and I thought I was done with this mess & the policy was reinstated. THEN, the next day, I noticed I had TWO charges from Nationwide in the amounts of $250 and $237. I did not understand why I was being charged twice, so there I go again to customer service. When I called, they let me know they had charged me the incorrect amount ($250) & had charged me the correct amount instead ($237). Like what????? This was HIGHLY unprofessional in my opinion bc they DID NOT notify me in any way that they would be charging my card again, nor did they communicate what the charge was for, or that they had made another mistake in calculating the reinstatement fee. They let me know they could not do anything about the pending double charge & that I should contact my bank account. It was a complete disaster bc I have automatic bills that were to be paid with the amount that Nationwide charged. I am very disappointed in their lack of communication and lack of training for representatives.
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sheila schwabe
6 months ago
I can’t say enough good things
I can’t say enough good things! I love knowing h th at my pets are protected as well as we are
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sr
6 months ago
I have had your ins since you were VPI…
I have had your ins since you were VPI -MANY YEARS & 3 dogs. I didn't know you covered prescriptions. Madyson is on a lot of Rxs - knees, cataracts, glaucoma, I collected, photocopied all her scrips for the past year - over $650 worth & submitted. I copied everything, the slips from the pharmacy, the bills from the vets, 11 pages worth, wrote a cover letter explaining ALL & specified/broke down everything to the penny. They paid on only the final Rx. Seriously? Didn't they even look at the other 10 pages? INCOMPETENCE! I'm supposed to do a separate form for EACH Rx? What a waste of my time/paper and yours! Further, when I call I can hear kids in the background, babies crying, kids playing. You're farming out to home-workers, right? Is this professional? Does anyone have a clue what the other side is doing? She's supposed to call me back within 3 days - do I hold my breath?
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charlene ward
6 months ago
My service was thorough and complete
My service was thorough and complete, regardless of the complexity of our situation.
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np
6 months ago
Helpful, friendly customer service reps
I spoke with Coral in Customer Service. She answered my questions and was very helpful. Hopefully the claim reimbursement process is equally efficient. Thank you Coral at Nationwide!
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bob lombardi
7 months ago
Great employees make this a pleasant company to do business with
Nationwide has great employees and the employees that you speak to really seem to care. As far as that is concerned, they earn 5 stars. What knocks them down a notch is the silliness in decision making. When I bought the policy, I obliged their request to list any and all vets and it was either me or the previous vets who submitted all of my dogs office visits. I brought her for various things, but she has no specific ailments. One time, I brought her to the vet for an upset stomach after eating something off the street. Nationwide called her upset tummy a pre existing condition. I had to wait several months and submit a review request to have that restriction removed from the policy. Recently a claim was denied because something was prescribed on a follow up visit that was not related to the initial visit. There is room for improvement. Other than that, no complaints.
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sara stein
7 months ago
Pet insurance for 14+ years…
My dog has had insurance through Nationwide for 14 years now. I am glad we got it early on and always recommend to new pet owners they do the same. Based on my recent phone call with Coral at Nationwide, customer service is A+++++.
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jim
7 months ago
First claim and it’s going slow
I adopted a new dog in September of 2021. He was up to date on all his shots so I didn’t have to take him to the vet until June of 2022. The vet did some tests which resulted in him needing an ultrasound. I submitted the claim and it was denied since they needed additional medical history. All I have is his adoption paperwork along with the vet checkup that was done at the shelter. I sent that information and all I got was an automated email saying they received my email. Looking online the the claim still shows as closed. It doesn’t reflect that I sent in the additional paperwork that I had. I called Nationwide and was told that they did receive the paperwork and it’s being reviewed and could be 30-60 days before there is a decision. It would be nice if there was at least a note on the claim stating that it is being reviewed. As of now I have no idea what is going on. Depending on how this claim goes I may just cancel my policy and go with Trupanion again. I had them with my 2 previous dogs and they were quick and efficient. Hoping this doesn’t turn out to be a bad experience.
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hidilberto
7 months ago
Jennifer was very helpful all the way…
Jennifer was very helpful all the way in the process of resetting password to file a claim. Great job!!
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dj
7 months ago
I had a question about a payback that…
I had a question about a payback that Jennifer was so patient answering. We finally figured out every little detail and I then knew what additional information I needed to provide. She was great!!!!!!!!!!!!
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dr heather loveland
7 months ago
Coral was SUPER helpful
Coral was SUPER helpful! I was given answers to all my questions and she was amazing and patient while I tried to figure out why NONE of my claims went thru. It seems like it was a problem with the portal cutting off part of my images. Oh well! Now I know and can address! Thanks again girl! You are so great!
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melissa m.
7 months ago
So glad I called!!!
I had some questions about a claim and called the customer support line. I was speaking with an actual person in just a few minutes. The representative was very friendly and made sure that all of my questions were answered thoroughly and accurately. She was able to email me all the information needed to process my claim while on the phone with me. She stayed on the phone with me for almost 45 minutes and made sure that I understood and received everything via email before getting off the phone. I am highly satisfied with the customer service, and I will not hesitate to call again!
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emily brownstone
7 months ago
I’ve been super happy with Nationwide…
I’ve been super happy with Nationwide staff and the quick processing time of claims and refunds. I highly recommend Nationwide Pet Insurance and am so happy to be able to provide such a privilege for my beloved dog. She is safer and better cared!
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vicki d. victoria
7 months ago
Thank You Nationwide for standing…
Thank You Nationwide for standing behind your word and your insurance. My precious baby went blind from cataracs caused by diabetes. This all happened very quickly. She has always been healthy up until then. With your help we got the cataracs removed and the diabetes under control. Thank You... I recommend Nationwide Pet Insurance to anyone with a pet.
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jackie foster
7 months ago
Had pup that was just over 1 year old…
Had pup that was just over 1 year old had torn ACL - Denied claim as policy hadn't been in effect for the 12 month time. I know NO OTHER type of insurance that denies claim if time period of policy is less than an year. Heaven help if medical, car, house insurance becomes this way. Will not recommend them.
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tim chang
7 months ago
Spoke with an incredible…
Spoke with an incredible representative. She was honest and compassionate in answering my questions about an increased premium for pet insurance. It was one of the best experiences I’ve had with customer service from a large insurance company. Thank you.
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crossley sanford
7 months ago
Best insurance carrier out there for…
Best insurance carrier out there for pets. They are understanding, great coverage options, speedy in reimbursements, platform is easy to use, and their customer experience is outstanding. I have been with Nationwide for over three years and no regrets.
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stacy botello
7 months ago
Wonderful experience
I only have a few months with pet insurance and so far my experience has been great every one of their staff through customer service has made the experience easy and very self explanatory and has walked me through every step for my put insurance. I and very grateful for them
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hannah r. turner
7 months ago
Gratitude to Nationwide Pet Insurance
I write this review with sincere gratitude. We have had our pets covered since they were babies and have always had a good experience. Until recently all of our pets were extremely healthy and all young. In May 2022, our dog Tyson (5 years, 1 month) developed a respiratory illness and was treated until his unexpected death in June 2022. Also, in May, our other dog, Lucy (4 years, 11 months) developed the same respiratory illness and has been in continuous treatment. We have spent $11,091.17 in vet bills since May and our plans have paid 78.5% of our total expenses. Without this valuable coverage, we would have had to make heartbreaking decisions about continued care. We did not have to do this with our Nationwide coverage and have been able to provide the highest level of quality care including Emergency and Specialty Care. Our coverage allowed us to feel confident to deliver this care and ease our hearts that we provided the best care to Tyson, even until his untimely death. Your staff and your documents/claims detail, etc has been so sympathetic and thoughtful in every interaction. We couldn't be more pleased with the insurance coverage as well as your service. You have lifelong customers in us, thank you for all that you do!
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megan
7 months ago
The best customer service and pet…
The best customer service and pet insurance!
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susie hinojosa
7 months ago
Nationwide pet insurance is above 10…
Nationwide pet insurance is above 10 stars service from agents is top notch and most importantly it's the best decision I've ever made for my dogs. All claims can be easily submitted and paid in less than 14days usually .. if you're undecided I guarantee you won't regret doing it
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yohanna ramos
7 months ago
Claim 4 month waiting for my rebolse…
Claim 4 month waiting for my rebolse and nothing evrytime I call if someting unaceptable
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amy f
7 months ago
Fantastic pet insurance
I adopted my kitty in August 2020, and she's had several major illnesses since then. Fortunately, I have Nationwide's awesome pet insurance. The monthly premium is quite reasonable, submitting claims is very easy, and they reimburse really quickly. The customer service representatives are extremely friendly and very helpful and patient. I can't recommend Nationwide pet insurance highly enough!
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jillian mccartney
7 months ago
Great experience on the phone today
Great experience on the phone today. The woman I spoke to was knowledgeable and patient with me (and the many questions). I would hire her to work for me!
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mark munson
7 months ago
A very satisfied Nationwide client
We have had this pet insurance for well over 10 years. Nationwide's service and response to claims is exemplary: timely, accurate, and professional - and completely hassle-free. I offer an unqualified endorsement of this insurance plan! Wish that human health insurance was this easy...
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nancy a. grundman
7 months ago
Amanda solved my problem quickly
Amanda solved my problem quickly. Apparently, l missed, or accidentally erased, some vital information. I know l had entered it, but managed to bump an arrow that erased it. Clumsy fingers.
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wendy
7 months ago
The folks at Nationwide are always nice
The folks at Nationwide are always cheery and very helpful. They answered all my questions and more.
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jess
7 months ago
Happy Dog Mom
Nationwide has been helping me with my dog for over a year now and they’re always so nice and helpful!
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william chan
8 months ago
Worth it- Nationwide Pet Insurance always reimburses you
We pay $113/month for 1 dog in NYC. I think that is so expensive. BUT we get reimbursed 90% of all claims after a $250 deductible by submitting the receipt. This week I had 2 claims and already got reimbursed. There are much cheaper companies out there but our benefits are way better and we will continue to stay with Nationwide for pet insurance!
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fermin c.
8 months ago
Although my company switched to another…
Although my company switched to another pet insurance provider, Marie was very helpful in providing me information that I needed to submit to the new provider. She is very professional, and it is much appreciated. Speaking with her was a true pleasure. Fermin Cerda
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sandra garcia
8 months ago
Diera was outstanding
Diera was outstanding. She helped me with all my questions about my claims . She went far and beyond trying to see what happened to my claims ( I didn’t get the reimbursement, probably check got lost in the mail ) . She went claim by claim making sure that were done . We spend maybe two hours over the phone and she was always cheerful and showing a lot of empathy . Employees like that it’s what we need . She is an outstanding assets for ur company
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margo schoeman
8 months ago
Exceptional service
Exceptional service. So patient and so helpful