Nationwide Pet Insurance CANCELLED

[DaisyDragon123]

I just signed up my two dragons for Nationwide Pet Insurance. I have a two week waiting period before I can use the insurance.

The following are not covered for at least six months because they are considered preexisting conditions for my dragons: internal parasites and enteritis.

Hepatopathy (adenovirus) is permanently not covered since both of my dragons are positive.

The monthly cost for two dragons is $17.00.

I will post my experience with the insurance for the reference of others considering getting insurance. I will post how much it pays, whether payment is timely, and any runaround by company to avoid processing claim.

 

[CooperDragon]

It will be good to hear some firsthand reports about this. Do you submit through the vet or do you pay for the services and then submit claims to the insurance?

 

[DaisyDragon123]

You pay and then submit claim for reimbursement.

 

[Rampagingraptor]

Sounds interesting! Definitely want to keep updated on this.

 

[CooperDragon]

That's a better system because you won't need to worry about it being accepted by the vet.

 

[AustinnKaine]

I am interested to hear about this as well.

 

[Heyimbrit]

I have both of mine signed up as well but I get it through my work so it is a little cheaper. I pay about $5 every 2 weeks.

Sandy is fully covered and Hoss is fully covered except for Yellow Fungus since it is considered pre-existing.

They have a vet helpline that I have used on multiple occasions. The vets on the Helpline are only trained on cats and dogs so it is hard to find one of them that can help with reptiles. They can, however, talk to you about cats or dogs that you may have so that you can still get use out of the feature.

 

[CooperDragon]

We are a free dragon helpline =). I'm glad it has worked well for you. ~$10/mo really isn't too bad. Does that include medication or just vet visits?

 

[HKzForDayz]

Gonna get a quote tomorrow, for exotics you have to call. 1-855-297-9728 is their number.

 

[DaisyDragon123]

I'm going to post the policy specifics once I get the package in the mail. I have a two-week waiting period before insurance kicks in.

 

[HKzForDayz]

https://www.petinsurance.com/images/VSSimages/media/pdf/Avian_Exotic_Ben_Sched_2002.pdf


there is a link to the "plan", called today, 26 bucks to get me set up then 17 a month.

 

[CooperDragon]

"This policy will not provide payment for accidental injury or illness caused directly or indirectly by: a) enemy attack by armed forces, with or without a state of war, including actions taken in resisting
that attack; b) insurrection; c) rebellion; d) revolution; e) invasion; f) civil war; g) illegal acts; h) usurped power; i) nuclear radioactive contamination."

:laughhard:

 

[kingofnobbys]

Wish it was available here ( only pet insurance available is for cats and dogs here and maybe large animals like race horses ).

 

[DaisyDragon123]

On April 20 I submitted DaisyDragon's ultrasound fee. Received call from Nationwide that claims take 30 days to process. Will update.

 

[DaisyDragon123]

Well I cancelled both policies. Daisy had an appointment on April 16 for routine follow up. Well I know routine exams were not covered but supposedly if tests were needed for something that was not routine at the time of the appoinent coverage would apply for that test, procedure.

Daisy had been acting lethargic and digging when moving around. I asked vet if she could check her for eggs. Vet did ultrasound to rule out egg bound.

Nationwide takes the stance that the ultrasound was a result/continuation of Daisy's legargic behavior in October 2015. That was when Daisy was having parasite treatment. They classified it as enteritis treatment and denied coverage for the ultrasound to check for eggs on April 2016, saying it related to GI issues.

I told the rep that reptiles when sick can become lethargic. Being lethargic could be a sign she was egg bound and the ultrasound was used to rule that out. I told her if every time I took a reptile in for lethargy they were going to link in back to some past issue that had been resolved there was no point in having the insurance.

She just repeated that my complaint of lethargic behavior in April 2016 was too similar not to be connected to the October 2015 lethargy from parasites and parasite treatment.

Of course I got an attitude and told her female dragons were known to produce infertile eggs and the symptoms could range from lethargy, frantic behavior, not eating. I told her further that lethargy would be a common symptom for many conditions and the insurance is useless.

I told her I wanted to cancel both policies. She tried to sell me on its benefits but I declined.

In essence, if either of my dragons get sick (not eating, lethargic) they are going to link it back to GI enteritis and deny coverage for tests to rule out other things just because I used the term lethargic in October 2015 and lethargic in April 2016.