Nationwide Pet Insurance Review
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Nationwide is a Fortune 100 company with unparalleled financial stability and claims paying ability that has recently ventured into the pet insurance marketplace. The company stands out because they offer expanded coverage beyond just cats and dogs, as well as wellness plans that cover things like checkups and vaccinations.
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I bought Nationwide pet insurance back in January for my dog and two cats. I have had to take the my dog to the vet 4 times, once for a wellness visit, the other three times for GI issues. When I submitted my four claims, they asked for more documentation, going back three years. Luckily my vet had all the information. Nationwide said they would take 30 days to review the information. Its now been 2 months and I still have no word from Nationwide to see if they would have covered my vet visits. Would not buy nor recommend.
I could not be more pleased with the value and performance of the entire VPI/Nationwide Pet Insurance program. I have two dogs (and formerly a cat) on their program ... And have saved many times the annual premium in claims reimbursement. Claims are processed quickly and efficiently (my VCA vet handles the submissions, and PREFERS VPI/Nationwides claims submission system over ALL others. Their customer service has always been friendly. The explanation of benefits has always been clean and concise. I highly recommend them
I've insured three dogs with VIP which has become Nationwide. I'm not sure where your info came from that they insure congenital conditions. I have a rescue with a congenital leaking tricuspid valve and they have denied the treatment claims. I reviewed the policy and congenital and heredity conditions for the most part are excluded as I read it.
Regretfully, I acquired this pet insurance through an offer at my job. What a waste of money. In March of 2016 I took my newly acquired puppy for his first visit to the Vet and to get his shots, up to today I have yet to receive a refund. I received a $55.00 refund for a $310.00 Hospital visit, when my puppy got an upset stomach and had a lot of diarrhea, I could not get an appointment on a Saturday afternoon, so the other option was to take him to the Hospital. This insurance advertises that they pay major medical and all accidents and sickness at 90%. How is 90% of $310.00 equals $ 55.00. In April I took the dog for his shots as mentioned before. To today I have yet to receive any money... Read More
After some confusion over my plan, I came to realize that while their site shows that their top tier plan covers "spaying", it in fact does not. When I asked an agent about it, their response was "yea... we know about that and have told management that they should take it down, but they haven't". The agent went on to tell me that they stopped covering spaying LAST FEBRUARY... over a year ago. When I asked why do they show it and what would happen if I had signed up under that plan and submitted a claim for a spaying, I was pretty much shrugged off by a "Richard". Be warned as well, if you submit a claim, make sure it is a closed invoice (even though it does not state it anywhere on... Read More
VPI has turned into Nationwide (is NOT on your side). I wish I had known of alternatives when I started with this company when my 11 yr old toy poodle was a puppy. Contrary to the above description, they don't charge an annual deductible, they charge $50 deductible for every illness. So if you need a vet visit for 2 things, you lose $100 off the top. Their 'reasonable charge' benefit schedule hovers around half of the real life charge. On top of that, they take 10% off of their reasonable charge, giving you even less. Now that my little guy is really sick, I'm dismayed at how little they pay for each disease, the exclusions, and their policy of limiting coverage to the one-time benefit... Read More
Christmas night, my kids found our dog having seizures. We rushed her to the emergency vet and with great care, she is now doing well. We submitted the claim for the emergency visit thinking the pain of the huge emergency vet bill incurred on Christmas day won't be so bad. Of the $1352 submitted, they paid $295. Over her lifetime, I have paid $4648 in premiums, submitted $7264 in claims and have been paid $2696. Save your money, start a savings account for pet care because this is not the way to do it.
This insurance covered my very first dog Lil Lulu. I had excellent coverage. Fast forward to my current dogs... My 9-year old is as healthy as can she can be, no junk treats, no vet visits in 2015--nevertheless, her monthly fee of $50+ was increased to $72 with exclusions! Look at their FB page "Piper and Patches, The Good, The Bad and The Pissy" and tell me if my dogs are sickly. Enough corporate abuse! I'll transfer her health insurance to another pet insurance where they respect her intelligence, good old age and healthy habits. Stand up to corporations!
I cannot STRESS HOW HAPPY I am with the NEW VPI plan which they started offering just six months ago. It literally covers everything! ( except dog food!). I had my three Chinese Cresteds on pet Plan and I have NO IDEA why it is rated so highly. Read the fine print with Pet Plan is all I can say. Then compare with the NEW VPI plan which now has NO LIMITS on major medical and covers wellness with only ONE deductible of 250 per pet per year. Pet Plan is 250 deductible for EACH SEPARATE VISIT if they are not related. Why take my word. Call VPI and ask about the new plan and then compare with the plan you have now. For me, there was no comparison.
Rascal has been insured with VPI/Nationwide for 13 years. Excellent customer service. They pay exactly what is in print on the schedule of benefits. Never ever a problem in all those years - pay promptly. In fact a couple years ago I called to pay my premium and they suggested I drop the wellness coverage because at Rascal's age he would not be getting as many vaccinations, teeth cleaning, etc. They saved me money in the premium. Rascal recently passed away and when I notified them, the pro-rated balance of my annual premium was credited to my credit card within 2 days. I would always use VPI
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