When we brought home our golden doodle pup at 9 weeks old a friend who had a one year old puppy told us we should invest in dog insurance. She had not done so and was already out of pocket over $1,500 in the first year. We decided to invest in the insurance and thank goodness we did. Our pup got very sick after she was spayed and we found out she was born with two under developed kidneys. She has been diagnosed with renal dysplasia and may not live past 3 yrs old. As sad as this is we have been very grateful for Nationwide. They have been beyond amazing. Our claims are reviewed within 3 days and a check is sent within 10 days. I even get an email once in a while to ask how Curry is doing. Well I think I personally need this dog insurance as my medical health insurance does not care one bit about me. I have told everyone I know about this company and referred all my friends to Nationwide. I was so worried upon the first renewal that Curry would not be eligible for another year of insurance but this was not the case...we are into our second year.