Nationwide gives current members a 5% discount on a new pet health insurance policy, and for
new customers, offers a 5% discount for the second and third pet enrolled. A 10% discount is
offered for four or more pets. Nationwide also offers discounts for veterans, teachers, and
Nationwide clients can choose a complete care plan, or select individual aspects for their pet’s
medical and wellness coverage. Their “whole pet” option covers examinations, laboratory tests,
X-rays, prescriptions, surgeries, hospitalizations, chronic conditions, and includes no waiting
period for hereditary conditions. Their “major medical” option has similar coverage, but
excludes some hereditary conditions, and some covered conditions require a waiting period.
The “pet wellness” option covers wellness exams and tests, flea and heartworm prevention,
Nationwide’s clients can also choose their reimbursement method. If they choose
reimbursement based on their invoice percentage, they will receive a percentage of the
treatment cost. If they choose reimbursement based on a benefit schedule, reimbursement is
capped at a set amount for each condition.
Nationwide is the only U.S. insurer that covers birds and exotic pets. Their exotic plan covers
accidents, illnesses, examinations, laboratory fees, prescriptions, X-rays, hospitalization, and
more. They offer coverage for most birds, and for exotic pets, including amphibians,
chameleons, chinchillas, ferrets, geckos, gerbils, goats, guinea pigs, hamsters, hedgehogs,
iguanas, lizards, mice, opossums, potbellied pigs, rats, rabbits, snakes, sugar gliders,
tortoises, and turtles.
Nationwide does not cover pre-existing conditions, and they have restrictions for pets 10 years
and older. A pet who reaches 10 years of age is not dropped from their policy, but their annual
rate is increased 12%.
Also, a pet who has a cranial cruciate ligament or meniscus injury in the first 12 months after
the policy purchase will not be covered.
Nationwide does not cover dental cleanings, and their medical plan does not cover dental
conditions, including temporomandibular joint disease, enamel hypoplasia, and gingivitis. They
also do not cover spay and neuter procedures.
Nationwide’s premiums are more expensive compared with their competitors, and their plans
are not as flexible. In addition, reimbursement can take up to 30 days.