My dog tore her ACL, it took this company over a month to review the claim. They denied the claim for pre existing condition. She can only tear an ACL one time.

I have been a client for over 18 years with multiple dogs. Today I found out that because I paid for one of my dogs policies in full, her policy actually lapsed and she didn’t have coverage for the last month. With my other dogs, their policies automatically renewed. The policy could not be reinstated and actually had to create a new policy. I am very upset by this. With that said my dog now does not have coverage and will not for at least two weeks. In addition, I submitted a bill for $191 that could’ve went to my deductible for the year, and now that doesn’t count.

Very efficient, rapid disbursement of funds, no hassles.

This company is horrible! What a scam they pull. We adopted a Golden Retriever in July 2024. Purchased pet insurance from Spot and chose “Accident Only”. We passed all waiting periods and made monthly payments on time. Cut to March 2025, my dog became injured in the backyard after his morning walk. He was playing and running, and slipped in the wet grass. He then became unwilling to stand and unwilling to walk as the afternoon progressed. We made the decision to take him to emergency vet where radiographs were taken and pain meds and anti inflammatory given. We then submitted a claim which was promptly denied as we didn’t provide an “exact and specific time” for the incident. We immediately appealed and provided ALL of his medical records AGAIN (this was also done at the application time). The appeal was just denied. What an absolute bait and switch this company pulled. Be very aware of doing business with them.

My policy has increased 50% for a single cat that hasn’t had any claims since starting with this company. I reached out and was told the increase was "necessary due to either the age of your pet, advances in veterinary medicine, or an update to the coverage that your policy provides". I compared the new policy to the last and there was no change in coverage. My cat is 12. The premium went from $742.92 to $1,113.72. In my opinion they are preying on pet parents. If you already have a policy, be sure to login to the site often and diligently check your mail towards your annual date because your payment could increase over $30/m.

My dog has been covered with nation wide for 8 years. They got rid of a lot of pet plans currently and this last year. If your dog has preexisting conditions before they are 9 years old, you are screwed if you have nation wide. If you want your dog be covered for a life time do not go with Nation wide. Now, I have my dog's preexisting conditions that will never be covered because of Nation wide kicking us out of their plan. Nationwide will betray you when the dog gets old.

Absolutely the worst Pet Insurance Company! Filed a WELLNESS Claim and they denied it even though it was covered. I have sent in the Invoices 19 times and they say they can't read them, but I sent the same invoices to other people and they are just fine.

Update:

My dog recently had an issue with an abscessed tooth, which she is still being treated for.

What I find disturbing is my pup got insurance with fetch my pup was 8 weeks old and was told it will be $150 a month my sister also signed up and her play was $56 I called and was told it is because of her postal code we live 10 minutes away from each other so that makes absolutely no sense. So today a payment was due and they tried to take twice the amount that was her plan price. I will be canceling Maizie’s policy tomorrow along with my sister as she said the same thing. My vet said it is better to just save the money and if we don’t use it then we won’t be wasting money. Smart vet