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What's covered

by Nationwide® pet insurance

Whether you're looking for a specific illness or injury or just want an overview of coverage, research Nationwide pet insurance here.

Explore pet insurance coverage options

Jump to a common condition:

See coverage highlights:

Accident

Select a condition for reimbursement examples:

Includes coverage for X-rays, MRIs, medications, surgeries and more.

$5,000 annual maximum for each category. Pre-existing conditions are not covered.

For more details, visit Nationwide's accident only pet insurance page.

Reimbursement example

Veterinary bill

$2,123

You pay only

$425

80% reimbursement shown after the annual deductible has been met.

Broken bonesBroken leg with surgical repair

Reimbursement

$1,698

80% reimbursement shown after the annual deductible has been met.

Illness

Select a condition for reimbursement examples:

Includes coverage for X-rays, MRIs, medications, surgeries and more.

$5,000 annual maximum for each category. Pre-existing conditions are not covered.

For more information, visit Nationwide's specific coverage pages for illness, cancer, surgeries, prescriptions and allergies.

Reimbursement example

Veterinary bill

$256

You pay only

$51

80% reimbursement shown after the annual deductible has been met.

Ear infectionsInfection in the outer ear canal

Reimbursement

$205

80% reimbursement shown after the annual deductible has been met.

Wellness

Select a condition for reimbursement examples:

Details about preventive care can be found on Nationwide's preventive pet insurance page

Reimbursement example

Veterinary bill

$43

You pay only

$3

Reimbursement shown based on the Level 1 wellness rider benefit schedule allowance.

Annual Physical ExamWellness exam (no medical issues)

Reimbursement

$40

Reimbursement shown based on the Level 1 wellness rider benefit schedule allowance.

Important Disclosures: Some exclusions may apply. For example, certain coverages may be excluded due to pre-existing or chronic conditions, or hereditary or congenital disorders. Other exclusions may apply. Please refer to the exclusions section of the policy for more information. Coverage limitations from waiting periods, deductibles, coinsurance, or policy limits may also apply. Premiums may increase at renewal based on various factors like a pet’s age, breed, location, or claim history depending on the plan selected. Wellness plans not available in all states.

Reimbursement example reflects Modular Plan Accident, Illness and optional Congenital & Hereditary rider as well as the optional Cruciate rider added after the first year of coverage, with $5,000 annual limit for each category, 80% reimbursement, and a $250 annual deductible. This plan may not be available in all areas. Pre-existing conditions are not covered. Veterinary bill amount is based on expenses incurred in the first 30 days after initial diagnosis.

What's not covered

We want to make care accessible to as many pets as possible, which is why we try to keep exclusions to a minimum.

Like all pet insurers, we do not cover pre-existing conditions, which are basically any illness or injury that your pet had before coverage started. They will not be covered unless cured.

More convenience, more value

Always There Pet CareSM

We’re with you everywhere you go, from universal vet hospital coverage to 24/7 live pet health advice.

  • Use your own vet
  • Visit any specialist or ER
  • Your policy protects your pet no matter where you travel

Nationwide VetHelpline®

Take advantage of unlimited, 24/7 virtual pet care with the VetHelpline app.

  • Ask about any pet health concern
  • Advice from licensed veterinary professionals
  • Get expert support anytime, anywhere

Nationwide PetRxExpressSM

Save when filling pet prescriptions at any in-store Walmart or Sam's Club pharmacy

  • Claims automatically submitted
  • Preferred pricing on pet medications
  • Convenient locations across the country

Discover the right health insurance coverage for your dog, cat or exotic pet with Nationwide