I bought this pet insurance when my puppy was about 13 weeks w no pre-existing conditions. One year later, that’s still true. Although the premium was almost double comparable insurers, it seemed worth it, because the TRUPANION PROMISE is your rate will never increase with the dog’s age!! Now for the BAIT & SWITCH!! After 1 year, my pet insurance jumped from $114/mo (pretty expensive!) to $148/ mo! A 30% INCREASE AFTER ONE YEAR! When I called, the rep explained that rates still increase each year, just not because of the dog’s age. 30%? The US inflation rate in that time increased 1.9%. Trupanion told me that “possible yearly increases” are explained in the contract - true, but the 30% increase is 15X the US inflation rate. The original sales rep I signed on with NEVER indicated that ANY price increase was possible! BUYER BEWARE!!

Fetch a s not the insurance company you want for your pet. I totally agree with those who wrote that Fetch will find a pre-existing condition no matter what.

The coverage I signed up for is not what I have coverage for. Make it make sense. Why would I sign up for injury/illness and not wellness. I only signed up so I could have her wellness coverage since shots and meds are not cheap. I added the injury/illness because before insurance my dog ate somethings she shouldn't have. So, I decided to pay extra to add it. I filed my claims and now they tell me I Don't have wellness.

I received a letter cancelling my 9 1/2 yoa rottweiller’s insurance after being a customer through 2 dogs over 19 years. The letter stated that they were no longer going to be insuring dogs in my state because of the rising costs for healthcare of dogs in the state. This has been found to be an outright lie after speaking with friends that I referred to Nationwide. I also attempted to insure a made-up puppy to see if it would be accepted for insurance - it was. During the life of my dog’s coverage before cancellation the premium rose over several hundred percent. Nationwide was able to stay in the black cash flow. Attempts to secure comparable insurance on a 9-1/2 year old dog with pre-existing conditions is totally impossible.

Waste of money & waste of time. We've been customers for almost a year. Every claim we submitted, they found some excuse or reason as to why it wasn't covered. They push every veterinary medical expense to be uncovered. What's the point in pet insurance if you're not going to cover anything, especially in a business where they over-charge at a criminal rate on people who are just trying to help their pets live healthy. It's insane. Complete scam, just trying to take your money. Canceled our membership for our 6 pets today. Lost complete faith in this company.

Purchased a policy last year for our 2 year old dog. Had first wellness visit and process went well, got reimbursed for the qualified amount fairly fast. This year we were notified by our vet that it was time for wellness so we booked based on our available schedule between business trips. Well, turns out the appointment was 1 day earlier than last year, so Embrace denied the claim saying the "new policy" hadn't started (even though it was submitted 2 months after the fact and we had a recurring policy). They used the exact 365 days instead of having any sort of flexibility to the fact it was a year later, which is not feasible when trying to schedule appointments around work. I asked if they had an exception process given we were talking only a single day, and they said they make no exceptions for any reason. Beware that they have ZERO flexibility and will hold to the letter of everything without any exceptions. I explained I intended to be a customer for years with current pets and future, but they had no interest in keeping me as a customer. All due to a 1 day difference in the appointment.

I took out this insurance on the 2nd of May and still haven't received the policy. I'm getting ready to ask for my money back. It has been a week.

I adopted my latest shelter dog in August 2024, needless to say she was a mess and the vet noted she would benefit for some anti-anxiety meds as needed to settle her, due to her trauma of long distance transport (24 hours in a crate). This was in September 2024 After some behavior training that was working along with the first "short term" antianxiety, the vet advised switching her to long term therapy, this was October, same month that I applied for insurance which occured AFTER the insurance kicked in. Now because she had the short-term therapy as needed (the firs med is only given as needed) first, to get her settled in, the long-term therapy is now considered a "preexisting" condition. Wow, Nationwide, seems a bit slight of hand to me and quite frankly, considering it is 10.00 a month that you will not reimburse, tells me all I need to know about how much you "care". I will be dropping you ASAP. Apparently Nation wide is NOT on your side.

I spoke with an insurance lady on the phone. She was very eager to get my business. And was very energetic and excited and gave me a lot of information. I signed up. Then I tried to set up my account and I was having a hard time, I called her and asked her to call me back and I never heard back from her. I found that disappointing.

Don’t waste your money—look at Healthy Paws. They have massive premium increases (50% or more in a year). They tell you they cover 90% with a $200 deductible, but they also have a ton of exclusions, including the office visit. How many times have I submitted $650 worth of receipts, and each time they reimburse around $130? I pay $210 a month vs. $53 with Healthy Paws. **** To your response: At this point, there’s not much to discuss. Your monthly premium is significantly higher—$210 compared to $53 with Healthy Paws—and you only cover 20% of the bill. There are reasons and results and no one cares about the reasons.