The company was great initially about two years ago. Now, they are horrible. You can't speak to anyone by phone. Claim times are ridicluously long. The last one was seven weeks, but only closed when I emailed them. Even the email response was delayed. They claim in their chat, "Our claims team are working diligently on claims in the order that they are received and will follow up with an email when they're done reviewing. We do have a much smaller team processing claims. Including a high volume of claim submissions. Processing times have been delayed."

I am already disappointed in a company who I thought values the customer and demonstrates integrity. I recently signed my 2 puppies up for insurance. Same bread , same age same type of policy yet I was charged higher rate for one puppy than the other. That’s crazy! I reserve my judgment and decide ed to call thinking surely this is an error? I stayed on hold and the phone hung up, then after I called back A nice lady told me she could switch me over to the correct department. I advised I was not interested in holding for over 15 minutes only to not speak to someone. I instead requested a callback. Well no call back ever happened. I guess Nationwide isn’t as respectable as I thought!! My second request was a simple name change correction to one of the puppies. I again was advised by a nice lady that I had to grant permission and she gave me the link. That was done same day. Guess what I received no email response that this was resolved either!! How can I trust a company that has such poor customer service!!! Your rating is a deserving one star!!

The policy changed hands to another company and is terrible now. The total monthly premium costs the same amount as the deductible. And there is a very low limit for coverage annually. I’d be paying out $1400 annually for a $2500 limit of coverage. It honestly makes more sense to just put the money in a savings account every month.

I recently had an emergency procedure for my dog, a few months after purchasing this insurance. The whole procedure bill was over $800, which also covered my $500 deductible. After the insurance agency reviewed my claim, all I was refunded was $50. I spend $70 a month for this insurance, and all I got back was a bill that doesn't even cover the monthly payment. Honestly, I think unless you find yourself in a situation where you need to pay over $5000, the pet insurance is not worth it. Within a year of just putting the $70 a month into a savings plan, that alone would cover this bill.

I purchased the policy with Figo for my healthy 3-months-old puppy; Included wellness benefits (preventative) in the coverage. a) Figo only covered a very limited amount for the vaccinations and wellness exam that I specifically chose to pay the premium for ($165 out of $548.84). b) When I took Charlie to be examined for a few skin issues that I thought could've been problematic (after the waiting period was over!!!), Figo found a way to not cover it because I told the doctor that they appeared 4-5 days ago, and 5 days was apparently prior to the end of the waiting period. The fact that I said 4-5 AND that I waited to take him to the vet AFTER the waiting period was over didn't matter, I guess. c) But the last drop was the denial of half of the charges for the diarrhea appointment. To deny the coverage for the test for parasites while the puppy is having such severe diarrhea is absurd! And the medication the vet prescribed was not "medicated" enough, it was too "natural" for Figo, so they didn’t cover it as well. I refuse to give my business to the insurance company that has no care for animals and only cares for their bottom line.

Our dog had an intestinal blockage, pretty routine. We had the surgery, paid, submitted the paperwork to Pets Best in the claim, here we are almost 30 days later and cannot get reimbursed. They claim they are waiting for medical records from our regular vet. This is not true since we are in constant communication with our vet. Total scam.

My experience with SpotPetSource has been horrible. Their claims and reimbursement process is unreliable, misleading, and frustrating, making it nearly impossible to trust their service.

They drop old dogs when they get to costly, garbage company

Healthy paws advertises in big print on their front page that most claims are settled in two days. I’m over three weeks into mine. They sent me an email saying that the invoice I sent isn’t valid, because it needs to be itemized and contain a bunch of specific details. It was itemized and contained everything they listed. So I called and talked to an agent who looked at the bill, agreed it was itemized and said she’d tell the underwriter to review it as is. The status of my claim updated to in progress, but a few days later I logged in to check and it was back to requesting the same information, except this time they didn’t email me or give any notice. I emailed and explained in detail that my invoice fit all their requirements. They responded with a generic email asking for an itemized invoice. These people are unethical, morons or both. Don’t deal with them.

I've been trying to sign up through work for weeks, but your site has been giving me errors every time I tried. Now, that I'm signed up, it's fine, but trying to navigate your site's bugs has been frustrating.