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Service is excellent, claims are reviewed in a timely fashion.

Time to receive reimbursement is lengthy.

Customer Service Rating: 10 Ease of claim Rating: 10

We have had Trupanion for 8 years for our dog and 6 years for our cat. Our premiums are $113/month and have gone up steadily every year (not unlike my own personal health care insurance). At the end of January, our cat became severely ill; losing weight, little appetite, lethargic, liver enzymes off the charts. Our local vet diagnosed it as acute pancreatitis, but once treatment was not proving helpful they referred us to a specialty vet. Sydney spent 5 days in critical care undergoing numerous lab tests, ultrasounds, a blood transfusion (very low RBC), a bone marrow biopsy, and came home on an e-tube for nutrition. He continued to lose weight with the e-tube, however. His e-tube became infected after about 5-6 weeks and it was removed since he was starting to eat on his own. He came home with us after that procedure & seemed more like his normal self, although he was still losing weight even though he was eating. Finally, on 3/30/19, his little body just couldn't take it any longer. I came home from work and he was limp, barely breathing and unresponsive. We rushed him back to the vet who made the recommendation that we euthanize. His BP was 47, his weight was down to 2.1 kg, he was dehydrated, and his RBC was very low. We made the difficult decision, but the only humane one for him (he was only 6 years old). Trupanion was there with us from the beginning. No, they don't pay exam fees (even emergency or hospital exam fees), but once we met our $100 deductible, they paid 90% of all his outstanding bills, including special food for his tube. All the vet bills totaled close to $20K and we never could have done it without the insurance. Sydney's share of the $113/month premium is $37. Even if we had stuck $100/month away for vet bills for the past six years, we would not have even come close to being able to afford his care. So I get people's frustrations with the premiums and disputes over pre-existing conditions, etc., but when something catastrophic happens, it pays to have insurance. You hope you never need it (kind of like ourselves), but you're thankful to have it when you need it. Trupanion has been very kind since Sydney's passing. They already refunded his portion of his premium for April and we have received several emails from them expressing their sympathy. I'll recommend them everytime!

I have you guys but was very disappointed that you dropped a plan that supports breeder hopefully you'll bring it back I've been hearing through breeder circuit members are gonna be leaving very sad ......

When I first began coverage four years ago processing claims were very quick. Now I am told it takes up to 30 days. This is way too long.

Our cat, Sydney (an Abyssinian), became ill on 1/30. He stopped eating, very lethargic. Our local vet tried various treatments (ultrasounds, meds, NG tube) to little avail. They referred us to a specialty vet in the area where he spent five days in critical care undergoing numerous lab tests, ultrasounds, blood transfusion, bone marrow biopsy, and insertion of an e-tube for nutrition. He came home, but continued to lose weight even with the tube feedings. His lab results were all over the place (esp. liver enzymes), but no cancer and/or feline leukemia. His feeding tube became infected on 3/24 which necessitated its removal. He began to eat on his own after that so he was discharged with a follow-up scheduled for a week later. Unfortunately, on 3/30, he once again became lethargic (almost unconscious) and was continuing to lose weight even though he was eating (down to 2.1 kg). We had to make the decision to euthanize our furbaby at that time as his little body simply couldn't take it. The vet said his BP was very low (47), he was dehydrated, low RBC, and that in order for him to even be strong enough for the insertion of a PEG tube, they would have to give another blood transfusion and fluids. The vet at that time suggested it was time to put our little guy out of his misery. Although it broke out heart, we felt we had little recourse at that time (he was only 6 years old). From the very beginning, Trupanion has been supportive and paid his claims with no problem. The total cost of his vet care for these six weeks was approximately $20K when it was all said and done. We never could have given him this extra time if not for the pet insurance. After our $100 deductible, they covered 90% of all covered expenses. My only quibble with Trupanion is I wish they covered vet fees when your pet is hospitalized or seriously injured or ill. It's like our insurance saving "We'll pay for your hospital bills, but not for the doctor to see you while you're there." I'm totally on board with no payment for regular vet visits, preventive care, immunizations, etc., but this is one area I wish they would revisit (emergency vet exam fees averaged $125 at our vet hospital). I am totally impressed with the no limits on care (both annual and lifetime). Other companies might require you to pick a yearly limit, but how do you really know what is going to happen in the future? We NEVER would have imagined our Sydney running up these kinds of bills. I know a lot of people complain about the premiums, but we pay $113/month for an 8 year golden retriever and our cat. I don't think that's unreasonable at all for the peace of mind this brings. We have received nice emails from Trupanion upon Sydney's passing, so they truly do care about you and your pet.

Here is my first impression of Pet's Best insurance. They are more than happy to take your premiums but will look for any loophole to deny paying a claim. I am a new member and have paid 4 months of premiums only to have my first two claims denied. My dog gets gastrointestinal issues caused by bacteria from eating leaves in the yard. So I tried to submit claims related to that but because he had this issue a couple times prior to the insurance policy they are calling it chronic and refusing to pay. They make you go through a tedious appeal process to have it looked at again. They also told me today that if he gets this issue often they consider it repetitive and will only cover the first two incidents but then not again for 18 months. All the while they continue to take my premiums each month. I very much feel that this company is more concerned with their bottom line then the health of your pet. Save your money!

We have a sweet Cavachon who unfortunately has a sensitive stomach . Often throws up. Is on prescription dog food. Has had a couple of other health issues. We have Nationwide major medical and are grateful for it. They have has been there for us. Other than regular check ups, shots, etc. our bills have been covered.

Nationwide has been a great investment for my dog! I go the extra mile for my companion. We go to class once a week. I feed a healthy, balanced raw diet. We exercise daily and go to classes on Dock Diving, Go Team Therapy training and do the Alpha Challenge. Hannah stays healthy with the help of Nationwide! I chose Nationwide because they came highly recommend by my clients that have their dogs insured with them.