The difference between the two insurance options is roughly $120 a year for our two cats: a 3-year-old male domestic shorthair and a 1-year-old female domestic shorthair. The female has a bacterial eye infection, and the male was recently at the vet due to lethargy, though they couldn’t find anything and he’s fine now. I’m unsure if these issues would affect coverage eligibility. I’m also open to other insurance recommendations.
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Do not use Nationwide at any cost! They won’t pay claims and won’t provide end-of-life treatments, so if you have them, you’re better off transferring. Don’t use them as insurance.
Nationwide said that pre-existing problems were the cause of our Frenchie’s death when she died away. despite the fact that she had paperwork and three veterinarians’ diagnoses indicating she died of natural causes.
Unmoral, unethical, and downright repulsive behavior on the part of an insurance provider.
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I am so sorry to hear about the loss of your Frenchie. 
I have my own little pack of Frenchie so I know how amazing they are. I can’t believe they blamed preexisting conditions. I work in vet med and I know that Nationwide had made a huge error and was under charging everyone in the Florida area (I think) for a few years. They too a huge hit from that and just this summer they announced dropping 100k policies. They blamed the 7.6% rise of cost in veterinary prices. I don’t know about other practices, but our suppliers raise their prices every year and this year was an 11-14% increase across the boards.
So I guess the short response would be, I agree with you. Don’t go with Nationwide.