It is not easy to renew policies on-line, this is the second year in a row I had to call to renew my policy. It took me over one-hour on the phone. This is the last year I will be using nationwide for my pet insurance.

If I could give them zero stars I would. You’re better off saving your money on your own because these guys will not pay out a single claim. Bought insurance for my kitten and during the first year she felt a bit sick so took her to the vet and she got treated for a slight respiratory virus. Fetch didn’t cover because of some BS they stated. It wasn’t a lot of money so I said ok I will let it slide. It came time to neuter her and I opted for a plan that covered $150 of neutering. Nope denied too because it needed an add on. They are complete crooks, stay away.

The coverage that this insurance company provides seems to be good. But when we first signed up on the phone with a promo code for first 30 days free the gentlemen had explained some great benefits such as the company pays upfront and that our clinic we take our dogs to is a partner with them. However, that was not the case when we talked to our vet clinic they said we have to submit a claim and pay upfront. We called back Trupanion to clarify again and the first person who answered did not have any answers so he transferred us and then the other employee that we got transferred to explained something different. We had also seen a brochure that there is “instant coverage with no waiting period” but we got told on the phone if we wanted to add a second dog we had to do a waiting period of 30 days in order to receive coverage for the second animal. It does not sound like the employees/company are all on the same page. Very nice employees but very confusing policies and after the 30 day period we will not be continuing.

I purchased the Preventive Care Gold plan which documents that an annual rabies vaccination will be reimbursed up to $20 annually. They "denied" my reimbursement, stating that the rabies vaccine that my cat received this January was "not" a rabies vaccine, even though I have an invoice from my vet with "rabies vaccine" on the invoice. I won't renew my policy, as it expires in early March anyway. I don't have time to deal with absurdity. 02/03/2025 Update. Spot Pet Insurance emailed me to verify that I had an actual claim number which I provided. After review, their response was to stand by their denial. 02/03/2025 Update 2. I received a phone call from Spot Pet Insurance to tell me that my initial claim was valid, that they had incorrectly processed the rabies vaccine, and that I would be receiving the benefit of the $20 reimbursement. Will update again when the funds are received. 02/11/2025 Update 3. I did finally receive the $20 benefit for my cat's rabies vaccine from the Preventive Care Gold plan. It took this review, an email, 2 phone calls, and 2 weeks and 2 days. Review changed from 1 star to 3 stars, because they did correct their mistake.

30% increase in premium out of nowhere super cool! I pay more! Woooo!! This insurance is very very expensive!!

***DO NOT USE THIS COMPANY!!!**** after I canceled my pet insurance the continued to steal money from my credit card!!! They are not refusing to give me my money back!!!!

It didn't cover my pet visit and we were not able to get the treatment my pet needed.

They charged my account for 3 months even though I cancelled it the day after I started because I found somewhere cheaper They refuse to help me and won’t give me my money back!!! STAY AWAY!!!

Horrible Pet Insurance! I had insurance with this company for 3 years. They raised my premium every year, which was more than doubled by the 3rd year. I had accident insurance and when my dog needed a CrCL knee ligament surgery after partially tearing it hiking and then fully tearing it playing stick shortly after. She was diagnosed by 3 vets to need surgery for an orthopedic injury, the company claimed it was an "illness" not an accident to they didn't have to pay the claim. I fought it in appeals, and they still claimed it was a "disease" my dog had, so wasn't an accident they didn't want to pay for. Horrible! I am out thousands of dollars for something I had pet insurance that should have covered. Please don't fall for their scams!

My first year with pets best was phenomenal, I got reimbursed and in a timely manner. The second year I didn't have to use insurance at all. Well I couldn't afford the insurance over the next 2 or 3 months because if income. They suggested lowering things which doesn't matter if you can't afford it at all. All they could do is straight up cancel and now my dog will have preexisting condition if I come back in a couple months because I had to cancel.