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Trupanion approved and paid the surgeon quickly. 13K great company and customer service

They have reimbursed me for well over 20,000 dollars throughout the past 6 years. Including a mast cell cancer diagnosis and removal. They always cover everything they say theuly will. Wish the premiums didnt increase so much but you cant put a price on this type of peace of mind

Our beloved Francis received excellent care from Dr. Peters and the staff from Valley Ranch Animal Hospital. Francis was spoiled with much attention and love during his 3 day stay with the staff. Dr. Peters sent 2 daily messages about his status which greatly eased my concerns. Dr. Natasha Reese establishes the most caring and qualified staff for her Veterinarian practices.

Please note in my experience, the type of Insurance nationwide offers through employers (employee pays everything) is different than what they offer retail market direct. I view Pet Insurance somewhat like a savings plan that helps me stay out of debt when my pet needs medical care. And I also know what kind of care I would treat my pet with and what cases I wouldn't want the animal to suffer. Also, our Vet is High quality but is at the low end of the price range - knowing this is important in selecting a plan and the benefits, deductible etc. I generally can afford about $500 a year for a single dog on pet insurance - that's just over $20 per month. Since out Vet is Very low cost I have found that insurance w/ preventative care is too expensive and adds $250 - $350 to the cost of the yearly insurance and I can manage those costs better paying out of pocket. The downside of that is while I save money, the wellness costs don't count towards my deductible. But that doesn't matter for me since I don't plan on claiming except in the event of a serious emergency, illness or unexpected expense. An example is my last Boxer developed a large small mast cell tumor below her ear that we removed through surgery. It came back positive as cancerous. While we thought we had caught it early and all of it, about a 6 months later she developed a large grapefruit size mast cell growth that was cancerous on her neck. The Dr. recommended chemotherapy and while he struggled to find a medication that was available (short supply) we began treatment that provided Bella another 5 months of quality and comfortable time. Nationwide paid ever claim above the $250 deductible at 90% very promptly by sending Citibank payments electronically deposited to our checking account. In the end our total Vet Bills for the year totaled about $2000 (max $5000 annual) and I think they paid about $1600. Now the yearly cost for that policy was about $375 and we had her insured for 6 years for a total of about $2250. Prior to that we had made a claim for about $500 over the years. So in total Nationwide paid $2100 and our payments for Insurance was about $2250. I consider that to be exactly what the insurance was meant for. I carried the cost monthly to ensure I wouldn't go into debt on a credit card if treatment was needed. And if there had been an emergency requiring Urgent Care those costs would have been 3x. Nationwide provided excellent coverage at an excellent price that met our predetermined needs. Note if I had selected options like higher coverage, lower deductible, etc the price per year would have made the numbers cost prohibitive. So to get the value you need to understand: 1. Vet cost 2. What you will treat and what you will not treat 3. Annual checkup costs 4. What's the other option, savings, stocks, credit card and your tolerance to use it.

I have had Nationwide for several years and so glad I do. I have been able to provide necessary healthcare to my puppies that I wouldn’t have been able to without.

Good

ASICS is responsive, caring and quick. Each time I have called for advice they are so considerate, sympathetic, attentive and helpful. Even more so than the vet! Never denied a claim. Highly recommend this company!

Over the past 30+ years, I have had 5 dogs. We adopted our current dog last year. I Received an email from the rescue organization with a link to Metlife pet insurance. We had never had pet insurance with any of our previous dogs but this policy was so comprehensive (low $250 deductible, 90% reimbursement, wellness rider covers all appointments and prescriptions--including heartworm medication--) and there was no waiting period. We decided to give it a try. I called and was told that coverage would begin immediately (our dog was scheduled to arrive in two days). Five days later, I was filing a claim. Our dog had severe diarrhea at 3 am and I brought her to the emergency room at the pet hospital. The first claim was the longest to process (several weeks) due to registering and setting up the account with my bank (funds are transferred directly in to my checking account). And I filed another claim for scheduled puppy vaccinations while the first one was still processing, so they processed them together and issued one payment. After that, it was easier. Reimbursement arrives in my account about a week after the claim is filed. All claims are filed electronically; I download the documents from the vet (itemized invoices and exam notes) and send them along with the claim. We opted for the wellness rider, which I highly recommend. Annual visits, vaccines, HER SPAY (our vet could not believe how comprehensive this coverage is. I was told that it is very rare that spaying/neutering is covered under insurance). Our policy is up for renewal this month, and I received an email that there would be a very modest (10%) premium increase, but the amount of coverage will increase as well. I am very happy that we opted for Metlife Pet insurance!

They answered all our questions, they were sincere and did everything possible to make our claim go smoothly.

The last claims I submitted especially the one from 5/26/23 is not decisioned. More importantly, this is exactly the reason we have pet insurance! For the first time in the six years we have had your coverage, I am very disappointed.