So trupanion unlike other providers, issues deductibles based on condition not per year. So my dog that has been insured with Trupanion for 8 years and only has a few minor claims.She had a bout of endometritis which she had a few years ago as well. The 400 deductible was almost met from previous claims but trupanion instituted their own condition and called it "discharge" instead of calling it endometritis and recharged me the entire deductible amount. My bill was for $700 bill, they paid me $100. This company used to be good but is now a rip-off! Their website supposedly has been upgraded but it is no upgrade and does not work well. Their owner's portal does not work at all!

Easy to sign up and not at all straightforward to cancel policy. They will avoid notifying you at all in the hopes you forget about your recurring payments.

I’ve carried insurance on two dogs for the span of almost their lifetimes. One pup I dropped insurance at age 8, the other kept until she passed (more active dog). When my pup was diagnosed with lymphoma, I thought I’d be happy to have the insurance. I was reimbursed for 1/4 of what was I spent. Cancer meds not being covered, consult fees not being covered. I’m really wondering now if the thousands I spent on pet insurance was ever really worth it.

Length of time to have claim worked is much longer than what is quoted on the website when submitting a claim. I have had to wait sometimes 3+ weeks to have them worked completely.

Substantial increases with no explanation, denying coverage claiming "pre-existing" conditions when that was not the case.

Took out a policy more than a week ago never heard another word. Don’t know if I have coverage or not. Not sure I want to do business with the company who tells me my files and underwriting and they’ll get back to me when they make a decision. In reading through the reviews, this appears to be a very common problem that either you never hear back from them while your file is an underwriting, you do hear back from them and they cancel your policy before it’s even issued for underwriting reasons, or lastly policy just shows up in the mail with no explanation as to why it took so darn long to get there, and you find that the effective date of your coverage is weeks after you applied. This is very poor insurance underwriting to say the least. Wondering what individual state departments of insurance would think of these tactics. Also seems to be a common theme where after you have a claim, even though your policy is still active, they’ll cancel your coverage and then invite you to reapply only to add multiple exclusions based upon prior claims.

Getting claims mixed up between my dogs, taking a while to get reimbursement, asking me to answer questions way beyond the need to prove I was correct to submit a claim for reimbursement. Your claims page is too confusing - and your emails regarding a claim has been approved should name the dog and their policy number.

Lemonade Pet Insurance has been a major disappointment. I insured my 5 year old pup, Ollie, with Nationwide Pet Insurance for years and never had an issue, claims were processed within 2–3 business days. With Lemonade, my recent claim sat for over a month before being denied due to a so called “pre-existing condition”. Their reasoning? That my dog had diarrhea before. Honestly, what dog hasn’t had diarrhea at some point? The only reason I switched to Lemonade was to save some money, but in the long run, it’s cost me more in time, stress, and uncovered expenses. I will gladly pay more and switch back to Nationwide.

I was surprised after the application process was completed to learn that I would need to obtain and submit 12 months of veterinary records for my pet to complete the underwriting process. While this is fine, this requirement should have been clearly communicated on the front end of the process. The perception is that the company wants to get potential customers started with a "simple" process only to disclose requirements once they have started the process. This does not leave a perception of 'honesty' with the customer and leaves one wondering what the experience might be if one engages with Nationwide for Pet Insurance.

Not a great experience with them. Poor communication - not sure if I was communicating with a real person or AI. It was mostly canned reply and never address my questions or concerns. I hope they get better but I would not work with them again. Switch to a company with slightly higher rate but better service, communication and coverage.