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      August 21, 2018

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Nationwide vs 24 Pet Watch

Best Pet Insurance

To help you find the Best Pet Insurance, TopConsumerReviews.com provides you with an in-depth comparison of Nationwide and 24 Pet Watch.

To see ALL of our reviews for the Best Pet Insurance, please Click Here

Who has the Best Pet Insurance? Medical care is rarely cheap - and the same goes for our four-legged friends. While pet owners are grateful for advances in technology and medicine that make it possible to keep their "fur kids" healthy, these procedures and prescriptions often come with a hefty price tag.

Without pet insurance, a simple blood test can cost well over $200. Even a standard yearly checkup can set you back by hundreds of dollars. How's your wallet feeling now? Chances are, you would do almost anything to take care of your beloved pet - but you might find yourself having to make difficult choices, especially if your dog or cat experiences a traumatic injury or life-threatening illness.

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Best Reviews

2018

Pet Insurance Reviews

3 stars
Nationwide

NATIONWIDE Visit Site

Cost:

Plans starting at $16.51/month

Unlimited annual maximum on all plans

Annual deductibles of $100 or $250

Plans available for birds and exotic pets

$2 monthly transaction fee if not paying annually

No enrollment fee

"Nationwide is on your side" - and that includes your pets. Originally selling pet insurance under the Veterinary Pet Insurance brand in 1982, their very first customer was the famous TV collie, Lassie. Since then, Nationwide has covered thousands of pets throughout the US - including birds and exotic animals.

There are a few things you'll notice right away that are different with Nationwide. First, when getting a quote, you'll only be offered two plans: Major Medical and Whole Pet with Wellness. Unlike most companies that let you customize plans based on annual deductibles, coverage limits, and reimbursement percentages, Nationwide reduces your decision-making to whether you want wellness coverage or not. The Whole Pet program reimburses at 90%, while the Major Medical pays based on standard costs, not actual. With both programs, you can use any veterinarian you like.

For a kitten, you can expect to pay $16.51/month for Major Medical - almost four times as much as the lowest-priced competitor plan - or $46.60/month for Whole Pet with Wellness. But, both plans have an unlimited annual maximum, and with $250 and $100 annual deductibles, respectively, those prices are well worth the investment. Even looking at an older, more expensive pet to cover - our 7-year-old dog - we were pleasantly surprised by the rates: $57.66/month for Major Medical and $102.95 for Whole Pet with Wellness.

You'll be asked for fairly detailed medical history/information on your pet when you apply, so be prepared to document any past conditions, diagnoses, or treatments. You'll also be asked to identify your veterinarian - but it's not a problem if yours isn't in the list. (Ours was, along with dozens of others in our area.)

If you're paying for your plan on a monthly basis, you should expect transaction fees of $2/month. Also, your first payment will automatically be for two months of coverage, and your policy won't go into effect until at least 14 days after you apply and make that payment.

Does Nationwide measure up when it comes to pay out on claims? As much as we wanted to love this company for having simple-to-understand pricing with such broad coverage, we were disappointed when we looked at what other people had to say. Their comments were almost entirely negative; in fact, it was hard to find a customer who said that they had no issues at all with their policy. Many people felt they'd gotten a bait-and-switch with conditions and procedures they were told would be covered but in the end were denied. We also found a significant number of complaints saying that unless you provide detailed medical documentation from your veterinarian, Nationwide will deny your claim; some customers never received the request for that paperwork and didn't realize it until their claims were rejected.

Nationwide has a strong reputation for being a quality provider of insurance, across a wide range of policy types. It is largely due to this reputation and to their comprehensive pricing and plans that we give them a three-star rating. However, we advise you to be cautious and thorough with providing your pet's medical history, preferably during the application process - and that you follow up to make sure Nationwide received it before you make a claim, if possible.

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1.5 stars
24 Pet Watch

24 PET WATCH Visit Site

Cost:

Monthly premiums from $18.36 to $63.15

Wellness coverage add-on for $12 to $26/month

Deductibles ranging from $100 to $1000

Co-payment of 20% on each eligible claim

When we first considered 24 Pet Watch several years ago, their hard-to-use, incomplete website was an immediate turn-off. Since then, this provider of both pet insurance and microchip plans has improved their site by leaps and bounds, making it easier to see what they have to offer.

But, you'll still have to jump through quite a few hoops to determine what your premiums will be. You can enter your state and download a sample plan if you want an overview before giving them your contact information, but the simplest route is to choose the Get a Quote button. You'll be asked to provide basic details like your pet's breed and gender, birthdate, and if there are any preexisting conditions. Got a microchip? Enter the number during the quote process and get a 5% discount.

What will you pay for an insurance plan? That depends on where you live, so take the following prices just as a ballpark estimate:

  • Essential: for $18.36/month and a $100 deductible, our dog was covered for Hospitalization/Surgeries, Hereditary/Congenital Conditions, Physical/Rehabilitative Therapies, Lab Tests/X-Rays/Ultrasounds, Medications, Accidents and Illnesses, Alternative Treatments, Ambulance/Paramedical Services, Exam & Diagnostic Fees - up to a yearly limit of $1500
  • Extra: for $27.62/month, our dog would be covered for all of the same items in the Essential plan, but with an increased annual coverage limit of $3000.
  • Classic: again, this plan covers the same things, but increases the monthly premium to $38.74/month and the annual limit to $5000.
  • Super: $46.12/month gives you the same coverage, but with an annual limit of $10,000/year
  • Champion: to have a total coverage limit of $20,000 per year, expect to pay somewhere around $63.15/month.

Be aware that none of these plans cover wellness services, like vaccinations or annual checkups. If you want coverage to help pay for dental cleaning, heartworm tests, or fecal screening, you'll need to add either Wellness Care Routine or Wellness Care Advanced to your plan, at a cost of $12 or $26 extra per month, respectively.

Pet insurance is worth the money if you get what you pay for. Unfortunately, we found many complaints about 24 Pet Watch's ability to deliver service on the plans they sell. More than one customer said that their premiums almost doubled unexpectedly, or that a plan they'd been paying on for years was cancelled out of the blue. Even worse, some people were told that their coverage had been terminated only when they called to make a claim - but they had been paying their premiums on time and had no reason to think they were no longer covered.

24 Pet Watch also has no rating with the BBB.

With so many companies offering reliable, affordable pet insurance, 24 Pet Watch just doesn't measure up. We think you'll find greater peace of mind with one of the higher-ranked pet insurance providers in our review.

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Continued from above

Just like their owners, pets can be protected with pet insurance plans that help ease the financial strain of medical care. Pet insurance has become very popular in the last few years, with dozens of companies offering to help you keep your pet healthy for a long time. But, every pet insurance plan is different with respect to deductibles and fees, covered services, and claims processing.

As you decide which pet insurance company is the best fit for you and your pet, keep in mind the following criteria:

  • Cost. What will you pay for your coverage? Is there a deductible, and is it annual or per incident? Will you pay any enrollment fees?
  • Coverage. What services and procedures are covered in the plan you have selected? Does it cover preventative measures like annual checkups? Are there any noteworthy exclusions? Does the company offer a variety of plans to meet your needs?
  • Reputation. Is the pet insurance provider rated by the Better Business Bureau? What do other customers say about their experience? Are claims paid quickly, or do you have to jump through a lot of hoops to file paperwork? Do many claims get denied? Are the company's customer service representatives knowledgeable and friendly?

TopConsumerReviews.com has reviewed and ranked the best Pet Insurance companies available today. We hope this information helps you find the best pet insurance plan for you and your animal companion!

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