Just an online application. Nothing special.

I was very transparent in my submission as to my dog's health and pre-existing conditions. Obviously, I realize that none of her pre-existing conditions would fall under allowable coverage, however, there's a lot more to a dog than a pre-existing condition. There are many areas of Health and Wellness that need to be addressed throughout the lifetime of a dog. Yet you declined my application. Not cool! I will never use Nationwide again nor will I refer any friends or family to it. I used Nationwide for a previous dog and I wasn't entirely satisfied with it then either.

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

The pricing is extremely inconsistent from year to year. There is no ability to re-quote at different coverages without calling an agent when my price jumps or drops.

Your claim process has been incredibly frustrating. I submitted a claim on 5/20/25 and even though I submitted further required data on 5/30/25, the claim still has not been processed. You expect me to pay my monthly bill on time, yet you are in no rush to process a claim or send a check to your customers. Not too mention, I can't help the way the veterinary office writes their notes, and yet if it's not in the exact format you want, then the customer gets penalized.

They wouldn’t approve a wellness claim because the receipt also included a toy I bought my dog. I was not asking them to pay for the $3 toy in fact the visit summary showed exactly what the itemized vaccines were.

Would give them zero stars if I could. What a scam and a waste of money. Coverage is horrible, the app glitches , and they don’t cover anything. It is almost impossible to speak with a real person. All chat bots and it’s not helpful. Do not recommend!!!

Do NOT use this company. Once a great company, no longer! We have had insurance with them for over 12 years and our dog was diagnosed with periodontal disease years ago and they said, no worries they will never use a diagnosis to increase your rates or not cover you in the future BUT guess what, now that she needs surgery they will not cover her costs of between $4k-6K (don't even get me started on the Vet pricing) because we did not have her teeth cleaning completed within 3 months of her pet visit. Had no idea, I advised them that our Vet left the practice and we just found another so missed out by 4 months. Does not matter, what the circumstances are, sorry! Take your money, put it aside and forget about using Trupanion! So disappointed and to those who say, oh we have had no issues, either did we! Wait for it!

I canceled before they approved add haven’t received anything refund yet

I have this insurance for my 2 pets, a cat and a dog for 5 years. I started paying $67 for both. Last year or year before the monthly payment increased to $88 for both, and I agreed to it because I thought it happened after we did submit claims after my dog's surgery. But now, only 1 or 2 years after, after I didn't submit any claims, they increased it to $125, which is almost 50% increase! It is insane ! They offer other options which you will need to pay insurance AND deductible not $250 that I have now, but %500 or even %1000. Before it happened I did recommend this insurance for everyone, but now I can say that it is unfair, increase should not effect all customers, it may affect those who did submit claims, even not all of them, only if it was a lot. How much we will pay in a few years, like for car insurance, $ 700 ?????