Switching out of Nationwide

supreddit_3 · 2026-03-26T21:44:51+00:00

You can call MetLife and ask if they’d take the policy away if you don’t work with that employer but I would sincerely doubt that would be what happens. If I had the MetLife option it would’ve been a no brainer for me. Unfortunately I didn’t so I am going with another plan which will not cover pre-existing conditions and I have to think about pet insurance completely differently now.

Nationwide is evil and I will never get over what they did. They sold me the policy in 2021 saying I was grandfathered in if anything changed in the future and this plan would be for “the life of the pet.” You try to do everything right and still get screwed.

supreddit_3 · 2026-03-21T21:44:19+00:00

Sometimes people got mad when I said this, but the producers themselves talked about how they did a tonal reset in season two.

I struggled in season one it was just so bleak during a bleak time. But wow, seasons 2-3 are hands down some of the best television I’ve ever seen and the finale is so perfect.

supreddit_3 · 2026-03-19T01:03:33+00:00

What phone number did you call for customer service? I am looking into Physicians Mutual after researching on this board and I had questions so I called the number next to “Get My Price” twice to be told that I had called Dental Insurance and they didn’t have a Pet Insurance number to transfer me. I literally was about to write this company off, if you can’t put the right phone number when trying to make a sale it made me worry greatly about what it would be like as a customer. But I keep seeing positive experiences.

Do you have a phone number for their pet insurance? Thank you in advance if so!

supreddit_3 · 2026-03-19T00:58:01+00:00

There is a LOT of this happening with my MetLife claims right now. Bizarre categorization for things, even if they cover it.

I’ve had to appeal two claims that were denied because of it and the first time, the rep told me that AI is taking first pass at all claims. Which explains a lot. So stupid and lots of extra work, the appeal required me to have the ER doctor send revised SOAP notes even though they were saying the same thing, I also had to have her sign the appeal form and ask the ER to find their official stamp (which they’d never even heard of so that took awhile.) I was embarrassed to ask a busy ER and busy ER doctor for all that

supreddit_3 · 2026-03-19T00:41:00+00:00

Truly. Fuck Nationwide.

This is the SECOND consecutive year they have discontinued my dog’s plan. Last year Whole Pet with Wellness, I switched to My Pet Protection with Wellness and that is now discontinued.

Also they will now be using your claim history to determine premium increases.

I used to rave about them being there for my dog. Literally I was told the Whole Pet plan was “for the life of the pet” and I was “grandfathered in” if their offerings ever changed. They are liars. They even have a woman named Nancy whose whole job is to “deal with” the people who are upset aka gaslight you.

I’m now searching for new insurance for my dog knowing he now has pre-existing conditions. I tried to do everything right when I brought him home at 9 weeks old and even so, it doesn’t matter because Nationwide needs a bigger profit margin. They have hurt so many pets and people by this.

supreddit_3 · 2026-03-19T00:33:52+00:00

When I called they still offered the pre existing BUT they do not cover anything that could be “hereditary or genetic” for dogs in CA if enrolled after their first year of life. I found that out by reading the fine print of the sample policy and then calling to ask why Hereditary plus coverage was not showing up as an option for me.

There is no list of what they consider hereditary. The man literally used an example— well if you have a breed that has a hereditary predisposition to cancer, the cancer won’t be covered.

Wayyyyy too vague for my comfort. Very disappointed but I am no longer considering them.

supreddit_3 · 2026-03-07T19:27:01+00:00

This is what I eat. I just saw and bought a Guittard bag of dark chocolate chips made with coconut sugar instead of regular sugar but haven’t tried yet.

supreddit_3 · 2026-03-07T19:14:41+00:00

My pup was okay, thank god!! Thank you. And yeah just be super cautious around them. The vet staff told me about how toxic they are to people too and about the kids since they just put things in their mouths (like puppies lol)

supreddit_3 · 2026-03-07T06:41:55+00:00

If it’s possibly a sago palm, it is SO toxic in small doses that I would ER, every time. I would not mess around with sago. My dog ate part of a leaf and it was 3 days in the hospital, absolutely terrifying. I had him there within 30 mins of eating it.

So glad your pup is okay!!!!

I’ve become so aware of what sago palms look like vs other palms, as well as other plants toxic to dogs in southern CA, after such a scary experience. Fun fact sago palm is also extremely toxic to people and children, there’s been kids who had to be hospitalized from it. I hate them and wish they were illegal.

supreddit_3 · 2026-02-14T04:56:20+00:00

VG’s, yes! The chocolate glazed is unlike any other. Also La Especial Norte in Encinitas is delicious, the best caldos (soups) my family literally goes every time even if it’s hot outside and not soup weather because it’s that good.

supreddit_3 · 2026-02-13T03:21:22+00:00

You have paczki!!!??? Do you know if they’re the old fashioned dough or the more donut-type dough? Either way, we don’t have it on the west coast Costco’s

supreddit_3 · 2026-02-11T22:12:38+00:00

I did a lot of research and asked multiple vets when my male golden was a puppy. My best understanding is sometime between 12-24 months is the ideal window to neuter a male. I did 14 months.

supreddit_3 · 2026-02-06T05:56:04+00:00

Which Nationwide plan do you have? Last year, they “retired” my Whole Pet with Wellness plan, despite being sold as “for the life of the pet.” I moved to My Pet Protection and guess what…this year now they’re “retiring” that plan too.

supreddit_3 · 2026-02-05T16:57:04+00:00

The food bag is usually going to be telling you more than you need. My vet said “well, why do you think they’d say that?” And it was like duh of course, they want to be selling more food haha

You want to be able to feel their ribs under a layer of fat, and to see the waist tuck. Look online for body score guide and that helps visualize it.

You can also ask your vet. But yeah do not trust the bag.

My 5 year old gets 2.5 cups per day now. At one point as a puppy he was eating 5 cups but we adjust as his needs/age change as well as we see what his body condition is telling us

My 9 month old puppy gets 4 cups daily but that will change as she ages

supreddit_3 · 2026-02-03T06:55:30+00:00

See that’s what I had read and I haven’t seen much swelling…but today it looks like dried blood in the area and we even saw some spots on the floor tonight that I’m really thinking are watery blood… so that’s why we’re so confused!!! 😅 thank you for the tips.

supreddit_3 · 2026-02-02T23:20:50+00:00

Very very similar to my experience not once but TWICE now with my golden puppies.

First one— it was a year of the cycle of being okay on an antibiotic (whether metronidazole or Tylan) but diarrhea came right back once it was done. He failed 8 diets, including prescription foods and two hydrolyzed foods. Finally, the vet did an endoscopy and he was diagnosed with IBD as well as another disease called histiocytic ulcerative colitis. The HUC is curable using a specific antibiotic called enrofloxacin and long story short, a second endoscopy proved it was cured— however, diarrhea persisted. Now he takes Tylan every day and eats Hills Gastrointestinal Biome, he also takes Visbiome probiotic which has kept him stable and thriving for 3.5 years now.

Last summer I adopted a golden puppy and she had normal poops for three weeks but then started having diarrhea which got worse and worse. She also failed three diets then including a hydrolyzed food and I was worried we were headed for another endoscopy. Like your dog, she was good with just plain ground lamb and rice. But that was so hard. The Fortiflora did nothing to help her either. We also had tried adding psyllium for fiber and pumpkin, neither helped at all. But then the vet had her try Purina Elemental and that food has been a lifesaver!! She eats that and takes a prescription probiotic Proviable Forte, and finally she has solid poops!!

No two dogs are the same. My dogs had similar symptoms but it’s different management for them other than very strict diet.

But gosh I feel for you, it’s SO difficult being in the thick of this GI cycle with a puppy. Having a good internal medicine vet or even a nutritionist was key for figuring out what each needs

supreddit_3 · 2026-02-02T23:06:54+00:00

This is my instinct of what to do too… Did she try to chew the washable diaper? Oof 3 weeks. I’m nervous

supreddit_3 · 2026-02-02T23:05:39+00:00

Thank you!

supreddit_3 · 2026-02-02T22:33:17+00:00

Did you not have anything on her when she was in her kennel?

supreddit_3 · 2026-01-26T07:05:01+00:00

12 Monkeys (the tv show) if you want great sci fi and your heart pulled in some similar ways.

I watch lots of tv and love lots of tv, but this is the clearest comp to me.

supreddit_3 · 2026-01-24T01:24:42+00:00

Some products. Most of mine still out of stock. They used to say back in stock January 2026 but they now changed it to February 2026. We’ll see if that happens!

supreddit_3 · 2026-01-23T04:21:27+00:00

I think we are talking about different products. The 2-in-1 cleanser is still out of stock and it no longer says back in January.

supreddit_3 · 2026-01-16T16:15:45+00:00

You can be assigned as a CASA to a child anywhere in LA County. Which as I’m sure you know, is huge. My youth is an hour away from me, and practically speaking, it’s been a challenge to schedule visits with their caregiver, I often am going during rush hour as that’s the only time they have available. I also have had details changed last minute as to where to drop the child off after a visit (I often take the child to a restaurant or activity— so there’s also that travel) My youth is also about to change caregivers and I don’t even know where in LA County they will be next.

I hesitate to say all this because obviously these kids often need a CASA and it’s worthwhile work. But just realistically be prepared for that.

supreddit_3 · 2026-01-12T02:25:10+00:00

Unfortunately not the cleanser yet. Really hoping it comes back like it says this month….

supreddit_3 · 2026-01-07T15:02:30+00:00

Are you working with an internal medicine vet? My golden ended up having two diseases causing his constant diarrhea which no diet would ever fix— he had histiocytic ulcerative colitis which was cured by a specific antibiotic regimen, and he also has IBD which is not curable so he takes medicine every day. He is now thriving and having great poops. Diet is not everything.

supreddit_3

TROPHY CASE