Didn't process initial claim correctly, delaying reimbursement. Also feel misled by what the policy would cover for wellness.

I had to take my dog to the vet as she was having some breathing issues, I knew I had to wait 12 days for the insurance to cover the policy, anyway I called to the insurance and the lady told me over the phone that I could start a claim and the claim department will make the decision . On the 13 day after I subscribed to the insurance I took my dog to the vet again , the 12 days grace period had past already and my dog was covered, I took my dog because she has a lump in the joint if her leg and the shoulder so I open the claim for both visits 4 weeks after. On Monday I received an email from PHI telling me that my dog is not covered as the breathing pelriblrm she had was already a past condition ( she had kennel cough last year ) I don’t think the problem she has now has nothing to do with that condition from the past year and the lump in her leg was not there before. They made the decision and they will not cover both visits. I am looking for other insurance provider for my dog.

This company indicates it gives you back 90% which a lie NEVER have I gotten back nearly half of my vet bills. Always finding a loophole

Just an online application. Nothing special.

The Wellness coverage is disappointing. Other pet insurance companies offer better Wellness program coverage for an equivalent fee.

I have emailed time after time to have a dog dropped from my policy that is no longer my dog and they refuse to drop the dog and keep billing. I called and they said I had to email in writing. When I email they say I am emailing from the wrong email address and that is impossible and the eamil address they send billing, notices and emails to review them. Originally in 2020 they were great and easy to deal with when a dog had an injury. Since then they deny claims when they should not. And keep billing for a dog I have not had for over two years now. I should only be paying for 2 dogs not 3 so I have reently hired a lawyer and notified the insurance commission in Texas of the problem and their unwillingness to resolve. Well, here it is July 3 and we have still not heard from Trupanion even though they indicated they would review and reach out. Par for course.

Same information requested multiple times. Takes too long to process. Such a small amount paid hardly worth the coverage

This company does everything in its toolbox to not pay claims. Even when your dog is sick. RUN RUN RUN away. I wish I had chosen another company. What a waste.

Nationwide has been covering all my pets for more than a decade. I lost my job March 1st and missed a couple payments. I called to inform them of the situation, they said I could catch up when I'm able. Then, they cancelled my dogs policy in April and won't reinstate it in June. I paid from her birth until now, and now you're saying she might have pre-existing conditions. I will never use your service again, and will tell everyone I know not to. You are a scam.

I have been a customer for 4 years. I have paid approximately 9,000 in premiums, and have used the policy very little. In my last vet visit my dog received those annual shots. It was 10 days before the date allowed (unbeknownst to me) so my $100 reimbursement was declined. I canceled my insurance policy and will never recommend this company to anyone.