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Misleading exclusions, 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
By: Dubious Millennial
For 10 plus years, you’ve come through. Thank you.
I’m so appreciative of the ease and professionalism Nationwide conducts themselves. In last 10 years you’ve allowed us to prolong the lives of 2 of our dogs (family members). Thank you so much.
Insurer: Nationwide
By: Barry
This is the best thing i've ever done, it allows me financially to give my dog everything she needs!
I've had this policy for over 4 years and I've never had an issue at all. Everything has been great!!!!
Insurer: Nationwide
By: Jamie
the process was easy and fast
as stated above the process was fast and easy
Insurer: Nationwide
By: Kathryn
I love that I can submit claims via an…
I love that I can submit claims via an app, so convenient . Also customer service has ak ate been wonderful!
Insurer: ASPCA
By: Laura Williams
Nationwide is the best
Nationwide is the best. Having this insurance has taken away any worries I may have about keeping Abby well. The customer service representatives are always courteous.
Insurer: Nationwide
By: Janice
I've found surprisingly easy-to-file insurance with unexpected quick processing after sending in my itemized bills.
Once I figured out how to navigate "the cloud" and got my account set up, it was very easy to file claims. They were processed within days. I worked with dental insurance for 28 years. Lemme tell you, pet insurance is soooo much easier than people insurance!
Insurer: Figo
By: Teresa
Nationwide comes thru in time of need
Nationwide gives us a peace of mind that anything that may come up with our dog Blu they will be there to help make sure he gets the treatment he would need. They have been faithful in keeping with covering the 90% in any treatment Blu has needed including emergency surgery!
Insurer: Nationwide
By: Mary
Amazed at how quickly claim was processed.
Quick service—keep it up. Also impressed they called to check up on my fur baby.
Insurer: ASPCA
By: Jennifer
Been 43 days since I have filed a claim…
Been 43 days since I have filed a claim and they haven't even started to process my claim. I even signed up for their direct payment option. Why wouldn't I? The founder is saying right on the site that some other companies might take 4 or 5 weeks to reimburse. Not pets best though. They don't want to make you pay credit card financing fees or be short on cash... For all you poor folks in the same boat, file a complaint with better business. Go to all the sites you can find and let the world know just how poor this company is doing. 3 dollars a month. That is how much I saved by going with these clowns. You'd think I would have realized you get what you pay for by this point in my life. Hey pets best, why don't you put that 40 day waiting period right there on the front page of your website? Bet I know why. Because nobody would sign up if they knew how you operate beforehand. Shame on you
Insurer: Pets Best
By: Jason Gardner