You adore your furry friends and want to keep them healthy and happy. But what if they get sick or injured and need expensive vet care? That’s where nationwide pet insurance comes in. It’s one of the top providers of pet health insurance in the US and Canada.
Nationwide pet insurance has different plans to fit your needs and budget. You can choose from a comprehensive plan that covers accidents, illnesses, and wellness, a scaled-down plan that covers only major medical issues, or an accident-only plan. You can also get reimbursed for a percentage of your vet bill or a set amount per condition, depending on the plan you choose.
In this guide, we will explain the benefits, coverage, costs, and exclusions of nationwide pet insurance. We will also share some of the latest trends and news on pet insurance, and how you can get a free quote from nationwide.
Why Choose Nationwide Pet Insurance?
Nationwide pet insurance has several advantages over other pet insurance companies, such as:
- It covers vet exam fees, which are often excluded by other insurers.
- It includes wellness coverage in its comprehensive plan, which covers routine care such as exams, vaccinations, flea and heartworm prevention, and more.
- It has a 24/7 pet telehealth line, which allows you to consult with a licensed veterinarian anytime, anywhere, for free.
- It offers a 5% multi-pet discount, and current nationwide customers get another 5% discount when buying pet insurance.
- It has a Pet Rx Express program, which gives policyholders preferred pricing on pet prescriptions at Walmart and Sam’s Club, and the prescription claim can be processed at the pharmacy counter.
What Does Nationwide Pet Insurance Cover?
Nationwide pet insurance has three main plans to cover accidents and illnesses, though not all may be available to all pets. Here is a summary of what each plan covers:
| Plan | Coverage | Reimbursement | Deductible | Annual Limit |
|---|---|---|---|---|
| Whole Pet with Wellness | Accidents, illnesses, hereditary and congenital conditions, chronic conditions, testing and diagnostics, holistic and alternative therapies, procedures, wellness exams and vaccinations, flea and heartworm prevention | 50%, 70%, or 90% of vet bill | $250 | Unlimited |
| Major Medical | Accidents, illnesses, some hereditary conditions (after 12 months), testing and diagnostics, procedures | 50%, 70%, or 90% of vet bill | $250 | $10,000 |
| Accident-only | Accidents, testing, and diagnostics, procedures | $250 per incident | $50 | $10,000 |
Nationwide also offers plans for birds and exotic pets, such as rabbits, reptiles, rodents, and more. These plans cover accidents, illnesses, exams, lab fees, X-rays, prescriptions, hospitalization, and some routine care.
How Much Does Nationwide Pet Insurance Cost?
The cost of nationwide pet insurance depends on several factors, such as the type, breed, age, and location of your pet, the plan you choose, and the reimbursement level you select. According to Forbes, the average monthly premium for nationwide pet insurance in 2023 was $44.66 for dogs and $27.93 for cats. However, these are only estimates, and your actual premium may vary.
To get a more accurate quote, you can visit the nationwide website and enter your pet’s details. You can also compare different plans and reimbursement levels to find the best option for your budget and needs.
What Does Nationwide Pet Insurance Exclude?
Like any other insurance, nationwide pet insurance has some exclusions and limitations that you should be aware of before buying a policy. Some of the common exclusions are:
- Pre-existing conditions, which are any conditions that your pet had or showed signs of before the policy effective date or during the waiting period.
- Cosmetic, elective, or preventive procedures, such as tail docking, ear cropping, declawing, or teeth cleaning (unless covered by the wellness plan).
- Breeding, whelping, or pregnancy-related expenses.
- Boarding, grooming, or transportation costs.
- Experimental or investigational treatments or devices.
- End-of-life expenses, such as euthanasia, cremation, or burial.
Nationwide also has a 12-month waiting period for coverage of cruciate ligaments or meniscus (knee) injuries, which is longer than some other insurers. You should read the policy documents carefully to understand all the exclusions and limitations that apply to your plan.
How to Get a Quote from Nationwide Pet Insurance
If you are interested in getting a quote from Nationwide Pet Insurance, you can follow these simple steps:
- Visit the nationwide website and click on “Get a quote”.
- Enter your pet’s name, type, breed, gender, age, and zip code.
- Choose the plan and reimbursement level that suit your needs and budget.
- Review the quote and the coverage details.
- If you are satisfied, you can proceed to buy the policy online or by phone.
You can also call 1-877-263-6007 to speak to a representative who can help you with the quote and the purchase.
How Does Nationwide Pet Insurance Compare to Other Pet Insurance Companies?
Nationwide pet insurance is not the only option for pet owners who want to protect their pets from unexpected vet bills. Other pet insurance companies offer different plans, prices, and benefits. Here are some of the other pet insurance companies that you can compare to nationwide pet insurance:
- Bajaj Allianz Pet Dog Insurance Policy: This policy is available only for dogs in India, and covers death, terminal illness, surgery, treatment, pre-hospitalization, and post-hospitalization expenses. It also has optional add-ons such as third-party liability, lost and stolen cover, doctor on call, and emergency pet minding cover.
- Future Generali India Dog Health Insurance: This policy is also available only for dogs in India, and covers death, funeral expenses, terminal illness, surgery, treatment, pre-hospitalization, and post-hospitalization expenses. It also has optional add-ons such as third-party liability, lost and stolen cover, doctor on call, and emergency pet minding cover.
- The New India Assurance Dog Insurance Policy: This policy is available for dogs of indigenous, cross-bred, and exotic breeds in India, and covers death due to accidents or illnesses. It also covers lost or stolen dogs due to burglary or house break, liability for personal injuries and property damage, death by accident in transit, and loss of value resultant upon an accident.
- The Oriental Insurance Dog Insurance: This policy is available for dogs of indigenous, cross-bred, and exotic breeds in India, and covers death due to accidents or diseases. It also covers permanent disability, loss by theft or straying, and third-party liability.
- ManyPets: This policy is available for dogs and cats in the US, and covers accidents, illnesses, hereditary and congenital conditions, chronic conditions, testing and diagnostics, procedures, alternative therapies, behavioral therapies, and dental illnesses. It also covers wellness exams, vaccinations, microchipping, spaying and neutering, and more.
- Embrace: This policy is available for dogs and cats in the US, and covers accidents, illnesses, hereditary and congenital conditions, chronic conditions, testing and diagnostics, procedures, alternative therapies, behavioral therapies, and dental illnesses. It also covers wellness exams, vaccinations, microchipping, spaying and neutering, and more.
- Paw Protect: This policy is available for dogs and cats in the US, and covers accidents, illnesses, hereditary and congenital conditions, chronic conditions, testing and diagnostics, procedures, alternative therapies, behavioral therapies, and dental illnesses. It also covers wellness exams, vaccinations, microchipping, spaying and neutering, and more.
These are just some of the other pet insurance companies that you can compare to nationwide pet insurance. You should do your research and compare different plans and providers before buying a policy, and read the policy documents carefully to understand what is covered and what is not.
Conclusion
Nationwide pet insurance is a reputable and popular choice for pet owners who want to protect their pets from unexpected vet bills. It offers a range of plans to cover different types of pets and health problems, with some unique benefits and features. It also has competitive prices and discounts, and a user-friendly website and app.
However, nationwide pet insurance also has some drawbacks, such as a long waiting period for knee injuries, a lack of coverage for end-of-life expenses, and some exclusions and limitations. You should compare different plans and providers before buying a policy, and read the policy documents carefully to understand what is covered and what is not.
We hope this guide has given you a comprehensive overview of nationwide pet insurance, and helped you make an informed decision. If you have any questions or feedback, please feel free to contact us.
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