Overpriced

Have not heard anything back regarding my application

I’ve been paying every month for a year, my dog has an accident, and I submitted everything to them, they denied the claim saying it wasn’t an accident when the veterinarians notes clearly said it was an accident for acute lameness. Long story short, after I placed a call to them, they are only paying out $41 and my bill was over 200. They said I would’ve got more if my dog was in the rewards program which nobody ever told me about and it would be more money that I would have to pay monthly. I canceled.

So far so good. Waiting on a claim payment over one month. However they reassure me that it will be paid asap.

I used to joke all of the time that “Nationwide is on our side”. Well, things have changed. Significantly. My cat is 13 years old and we have never once used the insurance because I have the major medical. It does not cover wellness or anything like that and he has been healthy. The rates keep increasing by significant amounts that I can no longer afford it. I think I would be too depressed to do the math regarding how much money I have given nationwide in 13 years and not actually used any of the insurance. The payment went from $73 per month to $124 per month. And that is with a $250 deductible. Not including wellness or prevention. I am going to have to drop my cat’s policy which puts him at great risk for the future because I won’t be able to afford treatment for him. Does anyone understand how scary that is? 13 years. And this is what we get??? Definitely do not get this insurance. There has to be something better.

Misleading advertising. They charge you for the full subscription, making it seem like you will get services that you then have to pay more for. Terrible customer service. A scam.

I regret switching from my previous pet insurer to Metlife. I have had nothing but problems from the moment I signed up. It took multiple attempts to get my policies set up correctly (I have 5 pets insured). Then every single claim but 1 has had issues. They have asked for the same paperwork over and over again (medical records or explanation of benefits from previous insurer). How many times do I have to re-send? I have had to call on every single claim but 1. Their submission process SEEMS easy, but if you have multiple pets and policies, no matter what I do, everything gets messed up, And there is not text box to provide more info to help them understand the situation and what is being submitted. I have even tried writing the details up and uploading it with the invoice and SOAPs. They still doesn't help. As a customer, I am at the mercy of whatever claims agent is handling my claims. It should not be this hard.

I found it frustrating you denied my claim and I had to go through the appeals process. On top of that, no one even contacted me to speak about the decline. If you're going to decline a $3000 treatment, you better talk to me to explain what's going on. I am reasonable satisfied by the appeals process but still feel you did not cover enough

I want to love this service so badly. While you can get an appointment the same day (great!), it takes a week to get an RX (not great!). They charge a fee to transfer the prescription to Costco, but it still takes several days. I don't understand why this process isn't electronic and completed within a few hours.

We purchased a renter's policy from Lemonade for three consecutive years in the same apartment building. We moved units from year to year but always notified Lemonade of the change in unit number, presuming they would transfer the policy from the old unit to the new one. Payment was a monthly auto pay on our credit card. When we reviewed our credit card statements, we discovered that we had been double charged for two years, so the company owes us a refund of approximately $200. They are refusing to refund more than one year of overpayments, saying they are following "industry standards." Huh? I will be filing complaints with the division of insurance in their home states (NY/AZ). Unacceptable.