Was hard to confirm if I was approved or denied for insurance.

You cannot cancel unless you call and they try to keep you on the phone as long as they can for no reason. Additionally, they will deny any claim that they can and then give you fake money, towards nothing, as a consolation prize. I definitely do not recommend this company and the fact they they claim to represent USAA is horrible.

Half of my healthy 1 year old dog's body systems are not covered because she burped a few times as a puppy. Because occasional burping was noted in her medical record, ALL gastrointestinal and respiratory concerns will not covered for the entirety of her life. Insurance companies will nitpick for any opportunity possible to deny coverage; care of the pet and client is never a concern. As a veterinary professional, I am extremely disappointed in Trupanion.

My dog hit his head hard enough on the windshield of the car to break it. I called an emergency vet and Lemonade's own online vet service (through Chewy) to see if I should take him to a vet. They both said yes. I specifically asked the vet I texted with through Lemonade if this would be covered. She said it would be because my plan covered accidents and illnesses. This seems like the definition of an accident to both of us. Lemonade denied the claim saying I had not paid for the plan that covers vet consultations. This just makes me think they will figure out how to deny just about anything. (It was only $200 and it would have simply counted toward my deductible. I have never made a claim with them before.)

if you aren't a customer who makes them a profit, goodbye/take what you can get. While this appears legal (as they highlight their terms are only for 12 months at a time), it doesn't make sense when they say "we will never penalize you for making claims". This is clearly a penalty.

Processing could be a bit faster, still waiting for a claim submitted over a week ago.

Nationwide Pet Insurance SUCKS! I pay $110 a month, my deductible is $250, after paying my deductible Nationwide Pet Insurance only covers 50% of the bill. That's nothing! Let me give you a real life example. My dog's meniscus surgery costed me $5,335.62, I paid my deductible of $250, after that they covered $3485.00 which left me with $2,100.00 out of pocket. Go anywhere but here.

My 12 year old dog has a growth on her hind leg since she has mobility issues Dutch worked. The vet was very nice but if you think you’re getting more than the 10 minute window allotted to you you’re not. That was fine too. Prescriptions were given. Antibiotic cream, antibiotic and pain meds. I checked out and the time span given to receive the scripts was reasonable ($20 to expedite) until it actually shipped. Then 5 days was added to the delivery date for my dog that has what looks like an infection. If prescriptions are going to literally ship from one side of the country to the other the consumer should know that. Now I’ve spent $200 on scripts my dog has to wait to receive. I thought the extra money was worth it so she’d be more comfortable but her waiting for medication isn’t helping her. If you just need general care? Yeah maybe this will work. A week and a half for needed meds? Absolutely not!!

Odie does not have people who answer the phone. Emails are only answered if they involve my premium payments. I was switched from Many Pets-not sure I'll be sticking around with Odie. Might also talk to my credit card company about a refund for my monthly premiums as it appears I am paying for nothing.

Warning.....If your pet has any blood test outside of the "normal" range, your pet will be deemed to have a preexisting condition. Check your pet's blood scores before you sign up!!!!