Nationwide Pet Insurance Review

Nationwide pet insurance plans and cost

Available options include accident-illness plans, accident-only coverage at lower cost, and a preventative wellness add-on. The starting price published for cat plans is $7 per month. This example comes from one published price for one pet, and it isn't a typical price for your policy.

Choosing nationwide dog insurance or a cat policy means you select an annual deductible. The deductible is what you pay from your own pocket each year before your plan begins to pay. The limits and discounts you pick also affect your price:

• Deductibles per year: $250, $500, or $1,000.
• Reimbursement options: 50%, 70%, or 80% for covered treatment bills.
• The maximum payout each year is $2,500, $5,000, or $10,000, based on your annual limit.
• Your account receives a 5% discount starting with a second pet.

Coverage and exclusions from Nationwide

Unexpected injuries and sicknesses fall under standard nationwide pet coverage, and vet exam fees are included. Policies also pay for alternative therapy care, though strict limits apply to a few specific treatments:

• Coverage for hereditary conditions is limited.
• Dental illness care is limited under plan rules.
• Coverage for behavioral treatments is limited.

Any injury or illness that your pet had before your coverage began counts as a pre-existing condition. Under policy rules, pre-existing conditions aren't covered, unless a condition that can be cured gets cured and clears a vet record review. Grooming, boarding, tax, and waste disposal also fall under standard exclusions.

Nationwide avian and exotic pet insurance

Some insurers handle only dogs and cats, while Nationwide also covers birds and exotic pets. For avian and exotic policies, the insurer's published plan overview lists no separate deductibles or limits, so check the exact terms in your quote.

Waiting periods and age limits for Nationwide

Right after you sign up, your policy won't cover vet visits. The waiting periods for new policies vary by condition type:

• 14 days for Accidents.
• 14 days for Illnesses.
• 12 months for Orthopedic conditions.
• Cruciate ligament damage: 12 months (excluded from Major Medical plans for the initial 12 months)

Age limits apply when you sign up for the first time. The Modular plan rules require a puppy or kitten to be at least 8 weeks old before enrolling. On the Modular plan, new illness enrollment is limited to dogs and cats no older than 8 years (under 9 years old).

Claims and reimbursement at Nationwide

None of the plans pays your vet directly at the clinic counter. After paying your vet upfront, you file a claim so the company can reimburse you.

You can submit claims online at my.petinsurance.com, or send claims by email, mail, or fax. Once the insurer has all required information, claims may take up to 30 days; complex claims can take longer.

Which pet owners Nationwide fits

These plans fit households with several pets who want to insure birds or exotic animals as well as their dogs and cats. They also fit pet parents seeking a cheaper accident-only option or a plan that includes coverage for vet exam fees.

If your dog or cat is older and past the Modular illness age cutoff, you may need to look elsewhere. Looking at other insurers may make sense if you want your vet paid directly or quicker cover for cruciate ligament injuries.

Questions people often ask

Would you say Nationwide pet insurance is worth it?

You may find a policy practical when you want exam fees included, or when an exotic pet needs a plan. You should weigh the limits on hereditary, dental, and behavioral care against the breed and health risks of your pet.

Are pre-existing conditions covered by Nationwide pet insurance?

No, conditions are excluded if they're ongoing and began before your policy's waiting periods ended. When a past illness or injury is curable and remains cured long enough to pass a review of vet records, it can qualify for coverage.

How can you get a Nationwide pet insurance quote?

A custom price is available online at the company website, where you enter your pet's age, zip code, and species. A quote shows how your monthly cost changes when you change your deductible or annual limit.

Are cats, birds, rabbits, and other exotic pets covered by Nationwide animal insurance?

Yes, besides dog policies, the insurer sells cat, bird, and exotic pet policies. The general facts don't name specific exotic animals such as rabbits, so check your quote for your pet's eligibility.

Are VPI vet pet insurance and Nationwide the same?

In California only, Veterinary Pet Insurance Company acts as policy underwriter. VPI appears nowhere in the published underwriting details for policies sold outside California.

Can you describe the Nationwide My Pet Protection offering?

In its published product overview, the insurer names Modular and Major Medical plans, accident-only coverage, and wellness options, but doesn't detail My Pet Protection. To learn which plan structure applies to you, check your enrollment paperwork, or use your benefits portal.

Is pet insurance available for bunnies, guinea pigs and ferrets?

You may apply for nationwide exotic pet insurance, since the company covers birds and exotic species. Bunnies, guinea pigs, and ferrets aren't named in the published rules, so review the eligible species list as you request a quote.

Does reptile pet insurance exist for snakes and bearded dragons?

The published plan facts don't say if snakes or bearded dragons qualify, though exotic pet plans are available. Before you buy, always review the policy terms to confirm your reptile species is covered.