There have been several times a deductible was charged to my account that should not have been. I’ve also seen procedures listed on Trupanion’s invoices that were not correct. There have been many times I have had to wait for a payment to be processed. Also, I have to wait tooooo long for a correction to be resolved.

My experience was fine with Nationwide Pet UNTIL the 2020 covid pandemic in which they used the excuse of covid expenses for 2 years to raiserates more than usual, a recent major hurricane in Oct of 2024 caused them to cancel my pet insurance only to reinstate me for a $100 exta a month and my dog aging and needing a special diet and meds for his hips caused them to review my claim and make changes to my policy while making an excuse. From talking to other Nationwide Pet Policy owners once my policy is changed they will no longer cover "Preexisting " conditions with the new policy even though he has been insured with them since he was 3 months old! Nationwide is the largest Pet insurer that so far in 2025 has made 3.2 billion dollars from what I have looked up. They are making a profit! Many new clients are enrolling their pets and they are now paying fewer claims. More than likely due to the fact they are not honoring their policy and canceling their "Head to Tail Premium Wellness

There’s always an excuse and when I do get reimbursed. When I finally do… it’s like tiny fraction of what I actually spent.

Greatest agent ever. Very helpful and amazing service.

Please don’t use this company.

Used to LOVE Lemonade, sadly and unfortunately, I’ve experienced the worst customer service any member of the human species could possibly deliver to another member of the human species. I will neither recommend nor continue to bring my business to Lemonade.

I have had my two dogs with Trupanion for several years. In the last 2 yrs my premiums have increased overall by just shy of 70%! Based on my most recent claims experience, I will be cancelling my policies at the end of this month. I have a $200 deductible and 90% coverage and in the few (2) claims I have needed they have fallen short of my expectations. Most recent claim for cracked teeth requiring extraction estimated at $2000, of which Trupanion only will cover $900. Trupanion does not make my policy document available to read via mobile website and SURPRISE! they won’t cover all of the anesthesiology scope (only half) because the Vet included a cleaning in the estimate scope. Buried in the vague, generalist info the policy says you may be prorated for certain scope. So, now, based on the principle of the situation, I have spoken to my Vet and she is quite surprised and is willing to remove the cleaning (Tooth prophylaxis, polishing and fluoride). This is the only way Trupanion will pay the full $638 for the anesthesiology in full. I have spoken to multiple managers (Boomer (yes, that’s actually his name! And Aaron) to no avail. These managers consistently tell you your only recourse is to increase your deductible so you’ll pay less per month. This would just shift the risk back to me. I have pleaded with them to embrace a culture of customer SATISFACTION in their business model. There is no interest in measuring, nor following up on customer satisfaction in any instance. Annually, I receive and email outlining the consistent increase in my policies stating that although my dog will not be discriminated by age or claim volume. One minor claim prior. Apparently my postal code region in rural Nova Scotia is a hotbed of Vet price increases (although my bills for wellness have shown otherwise) and there are many “unlucky” pets out here who are subsidizing the costs of “lucky” pets. This is their explanation: my dog is “unlucky”, yet there have only been now 2 claims in more than 8 years with a 70% increase in premium. Do yourself a favour - take the advice of Consumer Reports. There isn’t a single pet insurance company they will recommend. Not one! I’m putting my $140 every month from now on in a tax free savings account. I encourage you to look at Trupanion’s company balance sheet to see where they stand: Q1 2025 - operating at a loss. Q2 likely the same (Aug 7th earnings call). Company CEO and COO are selling their company shares a lot this year - CEO Margaret Tooth sold ~15000 shares alone! She seems to be anticipating a drop in share price with Q2 earnings announcement. Wait and see and steer clear of this stagnating company.

I did not feel like you wanted to take care of me. I got stuck in a pissing contest between two employees I don't know maybe they make commission? Not really my problem the person that helped me when I called in to set things up really didn't want to talk about my original quote or answer any questions. The first person I spoke with who seemed so eager to help dropped me like a hot potato when he found out I had already taken care of it when I asked him a question he said he would transfer me to the person who had set up the account this made me angry and it made me feel bad. The person who ended up finishing up the accounts would ask questions and when I answered them he wanted minimal info didn't care to hear about my pets not a good look when you are selling insurance for pets... finally someone contacted my vet and asked for one of my pets full medical record without asking me about it first I did not like that the record was emailed to me ... now I understand why you may need it and would be fine getting it for you... but doing this without my knowledge is not ok... it has left a bad taste in my mouth and I am quite honestly really thing hard about canceling and going with a different provider who understands that it's is not what you said that made me angry it is the way you made me feel my pets are my life I own a service dog and he was not cheep he deserves only the best and unfortunately I don't think that is you.

If I could give zero stars I would. They denied every claim stating they were pre existing conditions and I have proof from the vet that they are not and they still will not reimburse. Filed a complaint with the BBB. I wish I had never purchased this insurance. I had Nationwide previously with another dog and they were wonderful. I was really disappointed because I had heard such great things about this company on social media should have just stuck to what I knew.

There rates start out good when your dog is young healthy, then watch out it goes crazy high there plan is to get you to reduce your reimburstment and up your deductible. I have put in as few claims maybe most I got from them 5000 or 6000 in 10 years Ive been paying more out of pocket then putting in claims to keep his cost down but just now they raises in back to 279 plus my 1000 deductible I have a 70% reimburstment had to lower it to 50% stay away