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Thank god I bought this insurance with Healthy Paws
Easy to file claims. They respond and pay right away.
Insurer: Healthy Paws
By: Carolynn
Misleading exclusions and bad communication
Trupanion miscommunicated (or perhaps downright lied) about preexisting condition exclusions, so now that I am leaving them I have much fewer options for my older pets, and I have paid plenty of premiums to them and never gotten a dime in coverage. (Which I understand is sometimes how insurance works if you don't need it, but we did and they failed, miserably.) Feb 2018: I move to Canada from the US. My prior pet insurance company doesn't exist here. But Trupanion does! I sign up. My pets have no huge issues, though one has had a tooth extracted for periodontal disease. Aug. 2018: That same pet needs more extractions. I call Trupanion, trying to budget for whether/when to do it at the vet. They tell me he's actually fine, his teeth are not excluded! Pleasantly surprised, I go ahead with the procedure. A month or so later: LOL no. Claim denied in full. Reason? Pre-existing periodontal disease. I call Trupanion and express significant displeasure. They explain, in excruciating condescending detail, how pre-existing condition exclusions work. I tell them I know this but I asked them beforehand so I could budget and they told me we were fine. I ask something about the wording of the vet record that has the prior condition on it, and they ask if I've engaged in medical fraud. (I haven't, I've told them all prior vets, I'm just sick of their jargon.) Sooo that's fun. I calm down and decide to stay with them. I understand why the exclusion was applied, it just wasn't communication well, and like I guess they have to be on guard against fraud or whatever. A year later, my cat who never had periodontal disease previously prior shows signs of it and needs extractions. I go ahead with them, confident that he, at least, is covered. HIS CLAIM IS DENIED. REASON? HE HAD TARTAR ON HIS TEETH ONCE PREVIOUSLY. TARTAR. T. A. R. T. A. R. I sign up with a local Ontario pet insurance association as soon as I can and cancel Trupanion. I inform them as to why several days beforehand and get no response (I basically tell them to hold the legalese, I understand they have the legal right to do what they did but they are terrible at what they do and I will be canceling... I guess if they can't come back at you with legalese they don't see a point in responding). Anyway, buy at your own risk. Good thing I can have tartar on my teeth and still get dental coverage. I shudder to think what this company does when your pet is actually sick.
Insurer: Trupanion Canada
By: Sarah
Everything about his care and claim process went smoothly and quick! I am very happy!
I would recommend Nationwide Ins for your pet. I am Extremely thankful with their quick process of claims
Insurer: Nationwide
By: Connie
Super easy claim process made a costly decision an easy choice.
My dog is a 9 year old who we got when she was 5. Not knowing what kind of veterinary care she had before us and having previous dogs with major medical issues, we felt adamant about getting a whole pet policy for peace of mind. Lucky for us she had no issues... until we took her for her 9 year checkup. We were told she had to have 2 teeth extracted and possibly more. When they did the x-ray, it turned out she would need 23 teeth extracted! I was extremely concerned about this because of the severity of her periodontal disease. I had no idea it was that bad! I submitted my claim (for a LOT of money) and was reimbursed within 2 days of submission. Milly recovered really fast, and I could tell that she feels so much better now that she is healthier. I am extremely grateful that I had the pet insurance to be able to say sure, pull half her teeth. I know because of it, I am assured that I can make the best decisions for my pet's health regardless of cost.
Insurer: Nationwide
By: Noelle
Nationwide foes exactly what they promise and very efficiently.
I have two new pups who are getting into everything including swallowing rocks!! Nationwide has covered the subsequent surgeries as promised.
Insurer: Nationwide
By: Denise
Customer Service
I've been a customer for two years and am very happy with this provider.
Insurer: Nationwide
By: Michael
Nationwide Pet Insurance is 5 Star!
Having a French Bulldog I feel its imperative to have insurance, Nationwide has been a God send...*
Insurer: Nationwide
By: Lisa
Assistance when calling
I've called the help line a couple of times for different reason and although they were not able to help my particular situation they were good listeners and provided helpful suggestions where they could.
Insurer: Nationwide
By: Carmen