The underwriters wrote false information about my dogs that they had periodontal disease and one of them was aggressive. They said anything to do with aggressive behavior they would not cover. I called my vet and they verified my dogs, did not have periodontal disease, and they were not labeled as aggressive. The underwriter reasoning for labeling my dog as aggressive was one of my dogs did not want the thermometer in his behind which is normal behavior. I was so outraged by this I did not even want to file a dispute. I immediately cancelled this insurance and demanded a refund. I used nationwide for years with previous pets but never again! Liars!

I am deeply disappointed with my experience. Based on my interactions, I cannot recommend this insurance. In hindsight, I would have been better off opening a savings account and depositing the monthly premium myself.

I am having the worst experience with this company and no one seems able to help me.

I was supposed to receive an additional direct deposit as my full reimbursement was not given to me. I spent time on hold, spoke to a woman who agreed I should have that deposit, but it never showed up.

False and deceptive transactional messaging. Will promise you a check in 5-7/10 business days but then will tell you to wait 30 days! They Have absolutely no issues taking out your money but every issue giving it back. I switched to spot from lemonade because it was cheaper now I see why. Worst mistake I have ever made!

Signed up, they took my money, and read "vet cannot presribe meds" What? That's why I chose them. Then, it would recognize the format of my cell. I'm in the US, so typical format. Switched to my laptop, I was on my phone, and it wouldn't recognize my login, I twice requested a password reset. Been an hour, and still don't see an email. I have two emails I use, and requested on both in case I made a mistake. Nope, nothing. Then I noticed that while they quickly took my money, they didn't send any emails regarding the usual "thanks for joining" "welcome to ..." nothing. Sent multiple messages for support, but of course they must be business hours, when I'd think a large amount of business comes from people after hours. You'd think you'd hear something, even after you purchased a membership. As someone who's owned an online business for 15+ years, this is unacceptable. Wasted time and money for absolutely nothing. I believed the online reviews, and I'm usually very suspicious of them, but I am extremely aggravated as I'm out money for nothing, and have no idea why this company thinks having poor support, a poor website, and no emails, is a way of doing business.

When my pet insurance policy was up for renewal, I contacted NW and they told me that I needed to get a new policy. They told me they would have to close my existing policy before they could renew. Now I have no insurance. They sent out a questionnaire asking about my pet and what veterinarian office I was using. They contacted the office to get my dog medical records. Apparently after NW reviewed his records they found that his liver ALT was slightly elevated. NW considered this as precondition. I was told by my vet that this is not unusually in dogs and there is no precondition with him or do we need to treat him. I spent more money to have a complete liver panel done to only find out that everything else was in range. I went back to NW with this information and they came back with he needs to be treated. This was the end for me. Is NW a vet professional or an insurance company? I think my vet knows what they are talking about. I have had NW 10+years and I always highly recommend them to friends with pets. No more. Nationwide was definitely not on my side.

I can't rate you yet because I don't know if I've been approved.

Where do I begin? They do everything not to pay the claim. When the request more records and I sent them, I get an automated email saying the records were received and it’s in review to make you feel things are taken care of when in fact customer service said that’s just an automated response. They tell you to wait 30 days then call back so you do, and they say they still need more information. It goes round and round and round. They never did pay on my first Dogs’s bill and I got so sick of it I gave up only to send my second dog in For a claim and they’re still pulling the same thing they did on my first dog. customer service can only take your information and give it to the claims department, but you can’t speak to the claims department their gods or something. I do not recommend this insurance company to anyone. I have paid my claims on time and not one time if they paid out. It’s a constant battle to make them pay.

I tried to cancel my membership within a few hours of registering, and was told cancelation was not their policy. No more than four hours had elapsed from registration to my request to cancel.