Poor feedback Telling me I exceeded limits when my insurance is supposed to be unlimited

Just like any other insurance company out there. “We‘ll cover the small stuff.”. God forbid your furbaby gets a rare disease like ours did. They just went “Sorry! It’s now not covered by our policy!”

Updating from a 2 to a 1..... they. are. awful...Set-up and payment process fairly easy. However, once you file a claim - extreme patience is needed. They can take your money easily - but it's completely different when it's time for them to pay. Considering changing companies.

Web site navigation to items covered and items excluded is difficult. Exclusion lists have sub pages that do not complete rendering and leave bottom half of page not accessible. Coverage start date and underwriting review and late notifications in the process after purchase. Misleading.

Purchased plan 3 weeks prior to pet required vet visit due to respiratory infection and arthritis inflammation treatment. Representative advised me vet visits would be covered. Vet examination, xray, and 3 medications. Cost was 544.49. And Nationwide covered 0 cost, nothing. Greatly disappointed buyers beware!

This is worse pet insurance you ever can get be aware the make a problem for everything plus you have to pay in front of your packet after that they don’t pay you back make a problem ! I will never get something like this i cancel the policy right away very bad company!

We have had Healthy Paws Pet Insurance for our mini Goldendoodle since she was a puppy eight years ago. At that time we thought we were getting a good rate. Much to our dismay, they raise the annual premium almost yearly. Each year we are forced to lower our reimbursement percentage and increase the yearly out of pocket amount, We are now paying almost three times our original monthly payment. The company explained that there were too many claims from our state forcing the rates to go up. In my opinion this us nothing more than a bait and switch racket. Beware of getting sucked into this scam.

Pet's Best never reimburses me, though my claims are filed properly for covered conditions. I do not recommend Pet's Best insurance.

I previously had pet insurance through Nationwide. The only reason I switched was due to Embraces relationship with USAA. After the first claim I received an email stating they were doing a health history check on my dog. Shortly after I received an email with a list of things they won’t cover. Many of these things were temporary in nature, like diarrhea. It would be like my insurance saying you had a cold six months ago, we won’t cover anything related to a cold for 1 year. Buyer beware. They are polite. That’s about it. I should have never left Nationwide.

I purchased this insurance in May 2025, paid for two full months, and when I finally needed it, it was absolutely useless. I spent $200 on routine veterinary exams that the policy clearly states are covered — but of course, they weren’t. Instead, I was asked to provide my pet’s entire medical history from over a year ago. I came from Brazil, where it’s not common for vets to keep such detailed records — we simply don’t have them. So, in the end, I paid PetBest (which is far from “best”) for two months of premiums and then had to pay another $200 out of pocket. Horrible, horrible service. I would never recommend this insurance to anyone. Insurance is supposed to help in times of need — not create more problems and bureaucracy. Now I’m trying to cancel a policy that never helped me and is still charging me through automatic debit — and guess what? There is NO option to cancel it on the website. Absolutely ridiculous.