Had a very difficult time getting my claims processed and paid. My vet sent them records - they say they did not get them - Had vet send them again - they confirm they got them - then a week later when I call back again they tell me they still need more records. They never told me any of this. Would not recommend. Also was not aware that they have co-pays or co-insurance which they charge you for on every line item of your vet bill.

I have had pet insurance for our lab for 8 years. 3 years ago, due to her age, my existing policy was transferred over to ASPCA, along with a significant rate increase. I have NEVER filed a claim until 2 weeks ago, for an ear infection and her inability to put weight on her front paw. My total bill was $1300+, with a $500 deductible. So far, I have heard nothing from ASPCA and the website indicates that the claim is "in que". I spoke with a customer representative, who told me that he would take care of it, and so far nothing. After further research, I learned that in the state of Florida, pet insurance, is under the jurisdiction of the State Insurance Commissioner. The good news about this, is that companies that deny and delay claims can be forbidden from doing business in Florida. If any of you are in Florida, I have attached information on how to file a claim. To file a complaint with the Florida "Insurance Commissioner" (who heads the Office of Insurance Regulation), you should contact the Florida Division of Consumer Services within the Department of Financial Services (DFS), as this is the correct agency for handling consumer complaints against insurance companies. You can file online, by phone, or by email, providing details like the insurance company name, policy number, claim number, and a clear explanation of your issue. The DFS will then process the complaint and contact your insurer. 

I think the general rule of thumb is true that when you really NEED to use pet insurance they're going to find ways to get out of it... I got some of my dog's surgery covered but I had to pay much more out of pocket than I would have expectedd after years of being a client

stop asking me to leave a review after EVERY SINGLE SUBMITTED CLAIM

Nationwide denies claims right & left. They tell you that you have comprehensive coverage but they deny claims but stating they're not covered. i can't seem to find what they do cover. They just amended their policies to give you even less coverage. My dog had a double ear infection which they denied with nothing other than "we don't cover that". Find a different insurance company if you have any hope of getting some reimbursement for your pet's illness.

So I canceled with this company after the first month cuz I wasn't happy the way they did things. I don't want direct feeling they don't do I've submitted for a claim all the receipts all the medical records everything required then they tell me the deny my claim because I didn't submit the the records they're asking for documents or whatever but yet everything was submitted so yet how you supposed to know what's to submit you shouldn't I shouldn't be submit anything prior to me getting the insurance my insurance start on a certain date I submit bills after that date and all medical records not sure of the issue with this company took my money so give me my money back that I paid for the dog then if you're refusing my claim if you want to pay me those hundreds of dollars back cuz it was a big claim so people they do not reimburse you for Spain they do not reimburse you for chipping they do not reimburse you for vaccinations they do not reimburse you for flea and tick stuff trust me my claim for it always denied and this is the second review I put up do you think the company contacted me no cuz heaven forbid then give me my money back that I paid for the month since you didn't you know what I'm going to contact somebody higher there's an insurance place you can contact the office of the Supreme of insurance for any and all insurances and I think I'm going to do that and send him all the proof of everything I've sent and the way it denies maybe this company will be shut down then cuz I'm going to have them under investigation stole my monthly money and then refuse to pay me anything back pretty sad

I filed a claim on August 23, 2025-to date have heard NOTHING except more information was needed about 3 weeks after original claim submitted and after i had to make an inquiry as to status of claim. Information was sent and i have heard nothing so probably canceling shame

This is great insurance. Easy to use and file a claim. It takes forever to get the claim processed. Literally weeks. But if you can wait to get reimbursed its worth it.

I have been with this company for almost 10 years. At first it was affordable but now my dog's health insurance costs more than my health insurance. The insurance doesn't help with the office visit cost or cost of diagnosing an issue, just treatment which sometimes is included in the office fee. I would like to take my dog to a specialist but between the cost for the office visit, the $250 issue deductible and the monthly premium I keep paying, I am not sure I can afford to continue this insurance.

Absolute worst customer service and company ever. I have never left a review before but I can't with this company and want to warn everyone to never use them!!! STAY AWAY!!! HUGE waste of money. Shop anywhere else or just put the $150 they're making you pay into a savings account for your dog/cat. You'll probably end up never using it and then just have a treat for yourself. Started paying for pet insurance for my dog as a puppy which started at $50. Today, they have upped it to $150 and I have never even used them. I have given them over $8,500 in the years I have had them and they just up your monthly payment whenever they want and if you want to pay a lower one, they only offer one choice which is, they will make you pay a higher deductible to lower your monthly so it's not really helping at all. Please please please go anywhere else to get pet insurance or again, just put it into a savings so companies like this can't screw you over.