Nationwide Pet Insurance Review
Nationwide pet insurance offers comprehensive coverage for various pets, including dogs, cats, birds, and exotic animals. The company provides multiple plan options, including Modular, Whole Pet, and Major Medical plans, each with different coverage levels and reimbursement rates.
Key Features of Nationwide Pet Insurance
- Modular Plan: Customizable coverage allowing pet owners to choose specific benefits, including accident coverage, illness coverage, and wellness care.
- Whole Pet Plan: Comprehensive coverage for a wide range of illnesses and injuries, with reimbursement rates of 50% or 70%.
- Major Medical Plan: Pays based on a benefit schedule, with coverage for specific conditions and treatments.
- Wellness Coverage: Optional coverage for routine care, including vaccinations, heartworm testing, and microchipping.
Coverage Details
Nationwide’s plans cover various expenses, including:
- Exams, treatments, and surgeries for injuries and illnesses
- Hereditary and congenital conditions
- Diagnostic tests and prescription medication
- Behavioral therapies and alternative treatments like acupuncture
- Routine and preventive care (with wellness coverage)
What’s Not Covered
- Pre-existing conditions
- Grooming and boarding expenses
- Cruciate ligament problems within the first 12 months
- Experimental treatments and waste disposal
- Taxes and expenses associated with breeding or pregnancy
Cost and Discounts
The cost of Nationwide pet insurance varies based on factors like pet age, breed, location, and chosen coverage limits. Discounts are available for multiple pets, multipolicy holders, and employees whose employers offer Nationwide pet insurance as a benefit.
Customer Feedback and Comparison
Customer reviews on Reddit show mixed experiences, with praise for the 24/7 vet helpline and concerns about rate increases and coverage discontinuation. Compared to competitors like Trupanion and Healthy Paws, Nationwide offers customizable plans and covers a broader range of pets, but has lower reimbursement rates and specific exclusions.
How to File a Claim
Claims can be filed online, by email, fax, or mail. Nationwide generally processes claims within five days, though some cases may take longer.
Conclusion
Nationwide pet insurance is a viable option for pet owners seeking customizable coverage for a variety of pets. While it has its drawbacks, including lower reimbursement rates compared to some competitors, its comprehensive plans and additional benefits like the 24/7 vet helpline make it a competitive choice in the pet insurance market.
