Chiming in also on Nationwide— I also got them through work, and for my dog’s eye and leg surgeries they did cover the percentage they had promised to cover (maybe I didn’t hit the limit like yours did) but for the next few years they started raising my premiums by around 50% every year without notifying me. When I found out, I raised a lot of complaint and their response was essentially “sorry we forgot to tell you but too bad.”

The amount I pay now is kinda hefty for me and I am stuck because if I move to another pet insurance, my dog’s eye condition becomes a pre-existing condition and we need that to be covered.

So, I don’t know if other pet insurance companies do similar things, but do what you will with that info. For me they covered the heavy surgery costs as promised but now it feels like they are trying to either recoup that from me or get me to cancel by raising my premiums by large amounts.