Warning.....If your pet has any blood test outside of the "normal" range, your pet will be deemed to have a preexisting condition. Check your pet's blood scores before you sign up!!!! My dog had slightly elevated liver ALT score in 1/25 and 4/25 (221 and 125). I have two doctors that stated these ranges were normal and did not even talk to me about them. My dog's liver ALT score went to 800 in 6/25 due to liver infection. All $8600 of the vet bills were rejected due to PreExisting condition. Asked that my claim be reviewed. Rejected again. Put a request for external review to Department of Insurance and cancelled my insurance with Nationwide as I don't see them ever fulfilling any insurance claims

if you aren't a customer who makes them a profit, goodbye/take what you can get. While this appears legal (as they highlight their terms are only for 12 months at a time), it doesn't make sense when they say "we will never penalize you for making claims". This is clearly a penalty.

If you are expecting any type of payment for heartworm medication, allergies, ear infection or just an exam, get ready to jump through hoops. Save your money and just pay out of pocket. This insurance just collects your money and wants you to fight to get a claim approved. What a scam!

Processing could be a bit faster, still waiting for a claim submitted over a week ago.

Wow, everyone seems to love Trupanion, and they've all had good experiences. I have a really important question to ask you all. I need some help understanding.. When you take your pet to the vet, do they pay the bill once submitted, minus your deductible? Because, honestly, my experience hasn't been as good as yours. I'm almost a year in, and YES I just received my rate increase without them paying a cent for any of my big vet bills 😢 I'm one unhappy customer, and I'd never recommend Trupanion. I'm canceling this week. I already pay $87 off the hop. Have had it nearly a year and their poor lame excuses for non coverage on claims is making me want to move elsewhere quickly! I do not recommend Trupanion.. although what they offered seemed better than the rest. There is better! I just received a$3.66 reimbursement after spending thousands in a shy 2 months!! How crooked and embarrassing for a business to clear $3.66 when my bill was $320. That's a mere 1% ... mind boggling!

Don't get scammed with this shameful company, find dmore known and reputable insurance for your pets, IF you need to get one. I didn't have time to search and compare, so I signed up and graded my package to cover for my cats spayed. It came out to $500, but they only covered $40. I called to ask for details, but all she said was yea~yea~ its unfortunate, I'm so sorry, but unfortunately that's the coverage. She just repeats 'yea~unfortunately, yea~ yea~ unfortunately that's all it covers" like a broken radio! True pilot review looks fake, do a little research, you can see how bad this company is with similar stories as mine, that with Any package you choose, they pretty much cover NOTHING for your pet. It's no use having an insurance, its better to pay out of pocket for once every few months visits for kitties and 1 or 2 visits per year for grown pets. Getting my kitty spayed cost close to $500, this insurance WITH spayed coverage, covers $40 from total, $40 dollars. This is not a typo, I didn't miss another '0' at the end of $40. Useless and a waist of time with this company. Customer rep also sucked, Really, if you don't want to stress with nonsense, just look else where, Prudent pet insurance is time waisted, money waisted!!

Google review- After five years of flawless payments, I am extremely disappointed with Fetch’s decision to hike my premium by nearly 48%. My monthly rate for each of my dogs, Samson and Delilah, skyrocketed from $80.16 to $118.36. I was informed that the underwriters took into consideration three factors; their increase in age (only 5 years old), my Florida location, and general vet cost increases! These do not account for such an outrageous jump. This kind of drastic, unaffordable increase is a terrible way to treat a loyal customer and is exactly why so many people have lost faith in the insurance industry. It appears their goal is to price you out of the game as your babies get older!

Their claim process is exhausting. Asking for records going back years and stalling payment with request after request. I have Healthy Paws on other dogs and they payout in three days. I’ve been waiting three weeks for a lousy four hundred dollars.

I really dislike that my dog's ear infections are considered a pre-existing condition when they happen at random times. She is a floppy eared dog - she is prone to ear infections and they are costly to treat. I understand that it's considered pre-existing because she had an ear infection before she was insured, but that doesn't really make sense to me.

If there were an option to put zero stars I would. Poor customer service and denial of all claims is the standard for this company. My dog had to have a surgery and then a follow up. Then another issue arose. We received a $9 reimbursement on over $3000 in medical bills. And when we questioned the low amount sent to us the person on the phone said we hadn’t met the deductible! When we requested to cancel the policy the person on the phone became rude and hung up on me in the middle of my conversation. Do not buy insurance from these people they are only interested in collecting premiums and refusing to pay any claims