Save yourself the trouble and don't sign up for this. This was pushed on us at the SPCA. They convinced us it would be a good idea for a new pet. Our premium is around $24 but we were charged $39 and I'm not sure why. The website offers no information on the details of the payment. It also offers no information about how to cancel your coverage. The "AI" help might as well be help files because you can't ask a question, you just follow canned prompts which do not cover everything. They state that our yearly expense is around $214. Not sure what kind of math they are doing, but $24 x 12 is $288. Add the fact that the deductible is $400 and it only pays 80% after that, and the chances that this will save us money are slim at best. I don't know that all pet insurance is a waste of money but this one certainly is

Disappointed

Starting the process was easy however I kept receiving an error message in the diagnosis section. I was trying to write what was on the paperwork I receive from the vet.

If I would leave this review when I first started using Dutch, I would’ve given it four stars. The vets that I was seeing were awesome, kind and very knowledgeable. jumping to currently, Dutch has gone downhill. I had to pay to get a prescription transferred to my local Costco. The five dollars wasn’t a problem. The fact that it took almost 6 weeks to get it sent over after I paid, I also requested the prescription be chewable and it wasn’t. When I contacted the help line, they stated that since I had one filled I had to go through the whole process of messaging the veterinarian and scheduling another appointment to get it changed. After I complained about this, I went to the website to see if it was corrected, and my membership was canceled. The way this business is run makes me take pause on the care of my fur family.

This company does not know the true cost of anything they are supposedly insuring. For example, the $1,200 dental procedure . . . paid out $190. Or his $300 flea/tick/heartworm meds paid out $150. I should be grateful that they even paid anything, I suppose. They deny claims left and right based on facts that are not true; for example, my dog was never diagnosed officially with allergies, but because I asked my vet ONCE and TWO YEARS before a claim I filed for an ear infection, they denied the claim for the antibiotics to fix the infection on the grounds that allergies caused the infection and therefore it was a pre-existing condition.

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!

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!”

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!

Poor feedback

Rates keep going up and when you file a claim there is no response. No reimbursment, only excuses. That is why I rather just save the money for when I need to take my boy to the vet.