As pet owners, we cherish our furry companions and strive to provide them with the best care possible. Whether it’s routine check-ups, vaccinations, or emergency treatments, pet healthcare costs can quickly add up. This is where Nationwide Pet Insurance, a pioneer in the pet insurance industry, steps in to offer financial security and peace of mind.
In this guide, Slyecom.com will explore the key features, benefits, and considerations of Nationwide Pet Insurance to help you decide if it’s the right choice for your pet’s healthcare needs.
What is Nationwide Pet Insurance?
Nationwide Pet Insurance is one of the most recognized providers of pet insurance in the United States. As part of the Nationwide family, this insurance arm specializes in offering coverage for dogs, cats, birds, and exotic pets. With a history dating back to 1982, Nationwide was the first company to offer pet insurance in the U.S., initially insuring the famous television dog, Lassie.
Why Choose Nationwide Pet Insurance?
1. Comprehensive Coverage
Nationwide offers plans that cover a broad spectrum of services, including:
- Routine care like vaccinations and wellness exams.
- Accidents and illnesses.
- Chronic conditions and hereditary disorders.
- Prescription medications and therapeutic diets.
2. Coverage for Exotic Pets
Nationwide is one of the few providers that extends coverage to birds, reptiles, and small mammals, making it a unique option for exotic pet owners.
3. Nationwide Network
Policyholders can visit any licensed veterinarian, specialist, or emergency clinic in the United States.
4. Flexible Plans
Nationwide provides various plan options to suit different budgets and coverage needs.
5. Easy Claims Process
The claims process is straightforward, with quick reimbursements directly deposited into your account.
Plans Offered by Nationwide Pet Insurance
Nationwide Pet Insurance offers three main plan categories:
1. Whole Pet with Wellness
This is the most comprehensive plan and includes:
- Coverage for accidents, illnesses, and routine care.
- Exams, vaccinations, flea and heartworm prevention.
- Dental cleanings and behavioral treatments.
Pros:
- Extensive coverage with few exclusions.
- Ideal for owners seeking all-inclusive protection.
Cons:
- Higher premiums compared to other plans.
2. Major Medical
This plan focuses on illnesses and accidents but excludes routine care.
- Coverage for surgeries, hospitalizations, and diagnostic tests.
- Treatment for chronic and hereditary conditions.
Pros:
- Affordable compared to comprehensive plans.
- Great for unexpected medical expenses.
Cons:
- Routine and wellness care not included.
3. Avian & Exotic Pet Coverage
This plan is designed for exotic pets, covering:
- Common illnesses and injuries.
- Diagnostic tests, x-rays, and prescriptions.
Pros:
- Tailored for non-traditional pets.
- Offers broad coverage for exotic species.
Cons:
- Limited options for routine care.
How Does Nationwide Pet Insurance Work?
1. Choose a Plan
Select a plan that suits your pet’s needs and your budget.
2. Pay the Vet Directly
Unlike human health insurance, pet insurance requires you to pay for services upfront.
3. Submit a Claim
File a claim through the Nationwide mobile app or website. You’ll need to include an itemized invoice from the vet.
4. Receive Reimbursement
Once approved, Nationwide reimburses a percentage of the eligible expenses based on your plan.
What Does Nationwide Pet Insurance Cover?
Nationwide’s coverage is extensive, with options for both basic and advanced care. Here’s a breakdown of common inclusions:
Accidents and Illnesses
- Broken bones.
- Infections and allergies.
- Cancer treatments.
Hereditary and Congenital Conditions
- Hip dysplasia.
- Heart disease.
Chronic Conditions
- Diabetes.
- Arthritis.
Routine Care (available with Whole Pet with Wellness)
- Spaying/neutering.
- Annual exams.
Alternative Therapies
- Acupuncture.
- Chiropractic care.
Exclusions to Be Aware Of
While Nationwide offers robust coverage, there are some exclusions:
- Pre-existing conditions.
- Cosmetic procedures like ear cropping or tail docking.
- Non-veterinary costs, such as grooming or boarding.
How Much Does Nationwide Pet Insurance Cost?
The cost of Nationwide Pet Insurance depends on several factors, including:
- Type of Pet: Dogs and exotic pets often have higher premiums than cats.
- Age: Older pets generally cost more to insure.
- Breed: Certain breeds are prone to hereditary conditions, impacting premiums.
- Location: Costs vary by state and city.
On average:
- Whole Pet with Wellness plans range from $35 to $60 per month.
- Major Medical plans are around $25 to $45 per month.
Advantages of Nationwide Pet Insurance
1. Extensive Coverage Options
Nationwide’s range of plans ensures there’s an option for every pet owner, from basic accident protection to full wellness care.
2. Trusted Brand
As part of a reputable insurance provider, Nationwide delivers reliable service and financial stability.
3. Easy Accessibility
Policyholders can use any licensed vet, eliminating the need for in-network restrictions.
4. Exclusive Exotic Pet Coverage
Nationwide is one of the few providers offering coverage for exotic pets, making it a standout choice for non-traditional pet owners.
Limitations of Nationwide Pet Insurance
1. Cost
Comprehensive plans, especially for older pets or those with hereditary risks, can be expensive.
2. Pre-Existing Conditions
Like most pet insurers, Nationwide does not cover pre-existing conditions.
3. Waiting Periods
Policies have a waiting period before coverage begins, typically 14 days for illnesses and accidents.
Tips for Choosing the Right Nationwide Plan
- Assess Your Pet’s Needs
Consider your pet’s age, breed, and medical history when selecting a plan. - Compare Costs and Benefits
Weigh the cost of premiums against potential coverage benefits. - Check for Exclusions
Review policy details carefully to understand what’s excluded. - Use Online Tools
Nationwide’s website offers a cost calculator to estimate premiums based on your pet’s profile.
Customer Reviews and Testimonials
“Nationwide saved us thousands!”
“When our dog needed surgery, the Whole Pet with Wellness plan covered most of the cost. The claims process was quick and straightforward!” – Lisa R.
“Great for exotic pets!”
“As a bird owner, it’s hard to find insurance that covers my parrot. Nationwide’s exotic pet coverage is a lifesaver!” – Kevin M.
FAQs About Nationwide Pet Insurance
1. Can I insure multiple pets?
Yes, Nationwide offers discounts for multiple pets under one policy.
2. Is there a waiting period?
Yes, there’s a 14-day waiting period for accidents and illnesses after policy activation.
3. Can I cancel my policy anytime?
Yes, you can cancel your policy without penalty.
Conclusion
Nationwide Pet Insurance offers robust, flexible plans tailored to the diverse needs of pet owners. Whether you’re looking for basic accident protection or comprehensive coverage for routine care and chronic conditions, Nationwide has you covered.
With the added benefit of covering exotic pets, Nationwide stands out as a versatile choice for pet insurance. By investing in a plan today, you’re not only securing your pet’s health but also ensuring financial peace of mind for yourself.