Watch: Insurance Company Cancels Woman's Policy After Seeing Photo of Her Dogs on Social Media

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We all put pictures of our kids, pets and adventures on social media. But did you ever stop to wonder who is watching?

ABC affiliate, ABC11 reports that a North Carolina woman lost coverage after her former insurance company found a photo of her dogs on Facebook.

The trouble occurred when Melina Efthimiadis and her husband assumed they were low risk clients and wanted to add personal umbrella liability insurance to their Nationwide homeowner’s policy. Efthimiadis says the forms required the couple to write down the number of dogs they owned and their breeds, which are Shih Tzu/ Yorkie, a Hound and Hound/Lab mix.

As they waited for approval, Efthimiadis says they received a cancellation letter from Nationwide. She says the reason was because they had “an ineligible dog breed” that they failed to disclose.

Confused by their reasoning, Efthimiadis says the insurance company sent her pictures to validate their decision that they had taken off her Facebook page of her dog Zeus, who is a lab/hound mix.

“In the picture, the dogs are running through the snow with their blankets on it just didn’t seem that threatening to me,” she said.

When Efthimiadis told Nationwide they were wrong about her dog, they asked her to have a “written letter” by her veterinarian.

Fortunately, Efthimiadis is a veterinarian and said to ABC11, “Really, this is not something that can be proven just by looking at pictures.”

After confirming Zeus was not an ineligible breed, Nationwide rescinded the cancellation. As stated by the insurance company, their policy is to contact the member and agent to gather more information if there is an uncertainty on the insurance application.

Unfortunately, that policy was not followed in this circumstance as a rep says, they have now “taken steps to rectify the situation to ensure a better experience for future Nationwide applicants.”

Though happy they reversed their decision, Efthimiadis decided to go with another insurance company after this experience. Additionally, she is changing what she posts on social media.

“Be careful about what you post on Facebook. It’s sad that you can’t post pictures of your beloved pet on your own Facebook page and have it public but unfortunately I had to go and change some of my pictures just to feel more comfortable about it,” she said.


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Tania Hussain |

Tania Hussain is a native of Toronto and a Hoosier at heart, studying journalism at Ball State University in Indiana. She has a mad love for fine cheese, film, music, and meeting people upon her many travels. When Tania’s not writing at Womanista, she can be found going for long nature runs, rooting for the Indianapolis Colts and St. Louis Cardinals, photographing sights and food, or writing for her online magazine, The Hudsucker. She is also a member of the Indy-based, Society of Professional Journalists—one of the oldest organizations in the U.S. that promotes and represents journalists.