Hereditary And Congenital Conditions
This coverage is for the costs of inherited conditions and birth defects that dont show symptoms until later in your pets life. They can include heart disease, intervertebral disk disease , eye disorders, and hip dysplasia.
Its important to look for pet insurance that covers hereditary conditions, especially if your pet is prone to these disorders. Some pet insurance providers only offer this coverage as an optional add-on. That means youll need to pay extra if youd like to add it to your plan.
Additional Expenses To Keep In Mind
- Reimbursements You pay for all vet visits and charges and then file for a reimbursement. Plans typically reimburse 70% to 90% of covered expenses.
- Payout caps Most plans stop reimbursing after youve reached your policys maximum coverage amount. Most policies have an annual expense cap, but some have caps per incident or even for the animals lifetime. Expect to pay higher premiums for higher caps.
Nationwide Pet Insurance Plans And Coverage
Nationwide offers four pet insurance plans. There arent many customizability options for deductibles or coverage limits, so the pricing for these plans is generally higher than other providers.
Heres an overview of each plan:
In addition to these four plans for cats and dogs, Nationwide offers policies for birds and exotic pets. Since the pricing and coverage details vary depending on the exact species and medical history of each exotic pet, Nationwide requires contact with a representative for more information. Here are a few pets Nationwide covers:
*All sample quotes are for four-year-old pets located in Raleigh, North Carolina
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What Is Pet Insurance
Pet insurance reimburses you for a portion of covered vet bills if your dog or cat were to unexpectedly get hurt or sick so that you can afford to get your pet the best care in the event of a costly accident or illness.Think of pet insurance like car insurance â itâs there to give you a financial safety net if something unexpected were to happen. Just like your car insurance doesnât cover routine maintenance or any accidents you got into before purchasing the policy, pet insurance plans typically donât cover routine care costs and pre-existing conditions. Learn more about how pet insurance works.
Cost: Fixed Plans With Higher Premiums
Although Nationwide keeps things simple with pre-made policies that offer fixed coverage and deductibles, its premiums are on the high side.
Coverage for a mixed-breed, medium-sized , three-year-old, female dog that lives in Minnesota with unlimited annual coverage*, a $250 deductible, and 90% reimbursement is priced as follows :
- major medical: $32.91
- major medical with wellness: $53.25
- whole pet with wellness: $76.38
Coverage for a domestic longhair, one-year-old, male cat that lives in Minnesota with unlimited annual coverage*, a $250 deductible, and 90% reimbursement is priced as follows :
- major medical: $14.08
- major medical with wellness: $34.42
- whole pet with wellness: $38.93
* Both Major Medical and Wellness plans reimburse based on a defined benefits schedule per condition.
Pricing may change due to your location, age of pet, and breed, Nationwide also offers a 5% discount when you insure two or more pets. This is a little less than many other insurers that offer a 10% discount for multiple pets or for each pet you add.
Be sure to check your policys benefits schedule so you know exactly how much youll be reimbursed for each service.
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What Does My Pet Insurance Policy Cover
Along with pet insurance vaccinations, microchipping and neutering are all important parts of responsible pet ownership.
Many pet owners still have questions around the benefits of vaccination, microchipping and neutering, and whether or not their policy covers these procedures.
Petplan takes a look at these measures in more detail.
Summary Of Moneys Embrace Pet Insurance Review
Nationwide is best for owners of exotic pets or birds, and also for those that qualify for preferred pricing through their employers. It can also be a good option for customers that have homeowners or auto insurance through the company, since they can qualify for a discount on their premiums.
The companys policies also come with a welcome perk to pet ownership: a free 24/7 helpline that puts you in touch with vets to discuss medical issues and decide if a physical visit is merited.
Nationwide policies also come with the option to receive only 50% reimbursement on your bills a choice that will reduce your premiums significantly while still providing some coverage.
On the other hand, the company is unusual in offering no choice in deductible all policies set that amount at $250. It also imposes payment limits on certain procedures, which could leave you financially short if you live in an expensive region for vet care or your pets case is more serious than the norm for that affliction.
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Should You Choose Nationwide Insurance
Whether or not you should choose Nationwide Insurance depends on your needs. If you are going to choose the Major Medical plan, be ready for numerous exclusions.
If, however, you can afford the Whole Pet with Wellness Plan, it may be worth your while. This is the plan Nationwide pushes and provides the most/best coverage for your animals.
As you should with any service, shop around before choosing pet insurance. Each policy has different exclusions, reimbursement levels, and requirements.
Look at the policies side-by-side to decide if Nationwide Pet Insurance is the best option for you or if there is better coverage that may suit your animal better.
Nationwide Pet Insurance Reviews: Claims Coverage Customer Service Plans Coverage Cancellation And More
This content was reviewed by our licensed insurance agent, Michelle Schenker.
To keep the lights on, we receive affiliate commissions via some of our links. Our review process.
Nationwide pet insurance can be a little overwhelming to understand. It offers a more traditional type of pet insurance plan as well as one with a benefit schedule. Read below to unravel the complexities of these plans, get a better understanding of how it all works, and learn how it could benefit you.
Did you know that Nationwide sells pet insurance, and its first customer was Lassie? We dont know about you, but we think its pretty cool that Lassies pet parents loved her enough to get pet insurance. This first sale by Nationwide quickly grew into multiple sales throughout California and now the rest of the United States.
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Nationwide Pros And Cons
Covers birds and other animal species, not just dogs and cats.
Wellness coverage can’t be added to all plans.
Gives discounts for multiple pets or more than one policy with Nationwide.
Less generous reimbursement options than some other insurers.
Whole Pet plan offers comprehensive coverage.
No coverage available for spay or neuter surgery.
How Much Does Nationwide Pet Insurance Cost
The cost of a plan will depend on a variety of factors, including your pet type, breed, and age. The premium will also vary based on the type of plan you select.
As such, if youre considering Nationwide dog insurance or Nationwide cat insurance, its important to visit their site for an accurate quote. Further, if youre looking for coverage for a bird or an exotic animal, you must contact the company directly by phone.
To give you an idea of pricing, if you have a medium size, mixed breed two-year-old dog and you live in Pennsylvania, you can expect plans ranging from $28 to $68 a month. If, however, you have a two-year-old Great Dane, your coverage would likely be priced between $46 and $117.
Customers can expect prices as low as $22 per month for the Wellness plan, $34 per month for the Major Medical Plan, and $64 per month for the Whole Pet with Wellness plan. There are no riders or add-ons available with Nationwide Pet Insurance policies.
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Nationwide Insurance For Your Bird Reptile Or Other Exotic Pet
Nationwide is currently the only big pet insurance company that insures birds, reptiles, and other exotic pets. So if you need pet insurance for your iguana, sugar glider, or even your pot-bellied pig, Nationwide is probably your best bet.
Nationwides pet insurance plan for birds costs $15.75 a month on average, reptile insurance costs about $8 a month, and other exotic pet insurance policies cost around $9 a month. Your policy price depends on the plan you buy, any pre-existing conditions your pet has, its age, and its breed.
Nationwides avian and exotic pet insurance cover accidents, illnesses, hospitalization, exams, and prescriptions, among other things. You will have to call the Nationwide helpline at 1 553-6249 to see policy options for exotic pet insurance.
Is Nationwide A Good Company
Nationwide is a reputable company with a long history. It was founded in 1925 as the Farm Bureau Mutual Automobile Company. It gradually expanded its insurance offerings and changed its name to Nationwide in 1955.
To meet growing customer demand, Nationwide acquired Veterinary Pet Insurance Company in 2009. VPI was the first pet insurance company to launch in the United States. It had been selling policies since 1982, so it was a significant decision to add VPI to Nationwides group of companies.
When shopping for insurance, its a good idea to look into the companies financials to ensure they will stay in operation and can afford to pay out claims. AM Best, a credit rating agency that evaluates the financial stability of insurance companies, issued an A+ rating to Nationwide. A strong rating from AM Best indicates that a company could be reliable, financially sound, and able to pay customer claims.
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Customer Satisfaction And Financial Strength Review
Nationwide Insurance BBB has an A+ rating. However, this is not indicative of customer reviews since it holds 1 out of 5-star ratings among average visitors who reviewed the site on BBB. A high majority of all Nationwide Pet Insurance complaints are about poor customer care, slow reimbursement times, and billing issues.
Nationwide Insurance AM Best rating, however, stands at A+, which is superior and is indicative of the high financial stability of this company, even during times of economic crises. Additionally, it has a rating of 1.14 from the 2019 National Association of Insurance Commissioners complaint index. Since the national index is 1.00, the rating means it has about an average number of complaints.
Our 5 Picks For Top Pet Insurance Companies
Veterinary care can get expensive, especially for chronic conditions and accidental injuries. With a pet insurance plan, you donât have to worry as much about budgeting for the unknown, though.
The best pet insurance plans are reasonably priced and highly rated by customers. They offer multiple coverage options and reimburse costs at licensed vets across the U.S. For more on how we chose our top picks, read our methodology process.
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Nationwide Claims Deductibles And Benefits
Most Nationwide plans have a $250 annual deductible. This means that your Nationwide pet insurance policy will kick in only once youve spent $250 on something like vet visits, vaccinations, or tests. Since this is an annual deductible and not a deductible-per-event, once youve paid $250, your Nationwide policy should kick in for the rest of the year up until you reach your maximum annual benefit.
You can adjust your deductible depending on your plan. If you set a lower deductible, you pay a higher monthly fee and vice versa. Lowering your reimbursement level could also reduce your monthly premium, but this also means you will get less of your money back when you file a claim.
Your annual benefit amount depends on the pet insurance policy you pick. An annual benefit is the maximum amount of money an insurance company will pay to cover your costs for the year. For example, the whole pet plan has a $10,000 annual benefit, so once youve paid the $250 deductible, Nationwide will pay up to $10,000 a year to cover the cost of your pet treatments, vet visits, and so forth.
You can pay your veterinarian at the time of treatment, and file a claim after the fact. To file a claim, you can fill out a claims form and send Nationwide the receipt/invoice along with any relevant information. You can use Nationwides pet insurance app VitusVet to file your claim or do it online through its website.
Nationwide Pet Insurance Discounts
Nationwide Pet Insurance can offer discounts under some conditions. These include:
Multi-pet discount: It offers a 5% discount for families with multiple pets.
Multi-policy discount: You can also get a 5% cut on your premiums if you hold another Nationwide policy like home and car insurance.
Annual payments: If you pay the entire years premiums in a lump sum, you can save $20 on processing fees.
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Enhances Your Businesss Competitiveness
Offering pet insurance helps to position your company as a forward-thinking organization that offers outstanding benefits to recruit and retain great employees. Research has shown that employees view their overall benefits package as important. As of 2017, only about 10% of employers offer pet insurance as a voluntary benefit providing pet insurance can set your company apart as a leader.
With pet insurance, your employees will know that their pets can get the best care possible. Several levels of pet coverage are available, from complete coverage with medical and wellness protection to a budget-friendly choice that covers common medical costs.
Is There An Age Limit
Nationwide wont drop your pet due to old age. The only restriction is that you need to enroll your pet by age ten. After that, your pet can remain covered as long as you continue to pay your premiums and renew your policy on time.
Other insurance providers do offer higher enrollment ages, especially for cats and longer-living dog breeds. However, you need to check their policy on dropping pets due to age.
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Nationwide Pet Insurance Review 2022
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Nationwide is one of the oldest and largest pet insurance companies in the U.S., covering more than a million pets. Unlike most pet insurers, Nationwide sells policies for dozens of different species, not just cats and dogs so owners of parrots, rabbits and potbellied pigs can get coverage, too.
Nationwide has two plans to cover accidents and injuries. One is similar to many other pet insurance plans, reimbursing you for a percentage of your vet bill. The other pays a set amount per condition, regardless of what you actually spend. The company also offers a wellness plan, though it’s not available in all states.
Prescription Food & Supplements
Your veterinarian may recommend prescription food or supplements to help your pet with certain health conditions. With Complete CoverageSM, you can get reimbursed for these products when theyre used to treat a covered condition . Some other providers dont have this coverage or offer it only as an optional add-on. Some also set limits on how long this coverage can be used.
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How Does Pet Insurance Work
With pet insurance, you typically pay for the services out of pocket when visiting a veterinarian. After, you file a claim with your pet insurance company. If approved, your insurer reimburses you by direct deposit or by mail. The amount you’re reimbursed depends on the plan you choose, but itâs usually a percentage of the overall cost.
Like human health insurance, pet insurance makes it more affordable to get care.”
Pet insurance is similar to human health insurance in some ways and different in others. Like human health insurance, pet insurance makes it more affordable to get care. Similarly, policies also have premiums, deductibles, copays and maximum payouts.
Thereâs also typically a waiting period after signing up for a pet insurance plan â during this time, you canât make a claim and expect a payout.
Avian And Exotic Pet Coverage
The avian and exotic pet coverage option is for small mammals and birds. It covers illnesses and accidents, but like other pet insurance plans, doesnt cover pre-existing conditions. Pet owners can select a reimbursement level of up to 90% of eligible expenses.
You cant get quotes for insurance for birds or exotic pets online. To get a quote or purchase a policy, call 844-244-3691.
Nationwide does have wellness plans for dogs and cats that can be purchased separately from Major Medical or Whole Pet plans. There are two wellness plans:
- Wellness Basic: Provides up to $400 in annual benefits, this plan costs $12 to $18 per month.
- Wellness Plus: The Wellness Plus plan provides up to $500 in annual benefits, and costs $17 to $22 per month.
Unlike Nationwides accident and illness plans, its wellness plans arent available in all states. To purchase a wellness plan without a medical insurance policy, you must call 800-872-7387.
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Restrictions And Waiting Periods
Age restrictions: Depending on the plan, your pet may need to be at least 8 weeks old to get coverage. A maximum age of 8 years may apply. Some plans have no minimum or maximum age.
Waiting periods: After you buy your Whole Pet or Major Medical policy , youll have to wait 14 days before coverage begins. If you buy a stand-alone wellness plan, the waiting period is only 24 hours. A 12-month waiting period applies to cruciate ligament issues.