Pet insurance should cover yearly vaccinations, exams and spay and neutering

I found out my dogs coverage had lapsed 2 months ago on 2-28-25 not from Nationwide but from Walmart when I tried to get a discount on his prescriptions. I was told a letter was mailed when my credit card payment was denied 1-28-25 but I did not receive it. My card had been compromised so I missed changing this auto payment to Nationwide. You’d think Nationwide would want to email me and let me know of this payment error to keep me as a customer. But no email was sent nor was a phone call made eventhough you have all that info. I’m shocked I didn’t even get a notice to re apply. This could’ve gone on for months. Since I wasn’t notified I did not have a chance to reinstate my old policy. Now I have to reapply and wait for 2 weeks to make sure my dog is covered. Very poor way to treat a valued customer. I’d like to be reinstated without waiting.

What happened to through payroll

If you go back to edit anything or even to take a second look the information you have entered is not saved. Frustrating

Electronic application, paper mail response, no way to contact email or otherwise.

- My personal information (email address) did not update.

My coverage was dropped 40% due to "discontinuing my current plan" that I have had for years. I was told the plan had subscribed to didn't exist anymore and I couldn't be grandfathered in and no other plans existed unless I cancelled and reapplied in which I would be denied coverage due to pre-existing conditions. I did add another dog to my plan before I found this out, and she is on a different plan with 30% more coverage than my dog, who was just dropped by 40% coverage. So another plan does exist, but I'm not eligible for it even though it's still less than the plan I was on for years. I used to recommend Nationwide to all of my animal contacts and through my network of training, rescue, adoption, Veterinary, grooming and shelter clients.

I was not able to purchase the same medical plan that my other 2 dogs have.

It would be better to take your premium and put it in a savings account. They don’t pay out nearly enough to make it worth it, and they basically steal your money while your pet dies. I paid a $215 monthly premium over a 6 year period which amounts to a little over $15k. When my pet had a major medical emergency and passed away, her medical bill came to $2800. They paid less than 40% of that bill. With all due respect, SCREW that!

I cancelled this plan in April 2025, but have not received a refund.