Pre-existing conditions
We’re here for your pet’s health journey. It's important to note that coverage under your pet insurance policy does not start immediately upon enrollment. There is a waiting period before your pet's coverage becomes effective. Additionally, any conditions that already exist prior to enrollment will be considered to be pre-existing and not eligible for coverage. Exclusion of pre-existing conditions is crucial to consider when signing up for a new pet insurance plan to ensure that you understand your coverage.
Insurance with your pet’s future in mind
Allergies can severely impact your pet's quality of life. At Nationwide, we offer tailored insurance plans ensuring your pet stays healthy and comfortable without adding financial stress. You must have the optional Illness coverage for pet allergies.
What you need to know about pet allergies: What are pet allergies?
Pet allergies occur when an animal's immune system overreacts to substances in their environment or diet. This illness can cause various uncomfortable and sometimes severe symptoms.
Common causes of pet allergies
Allergies in pets can be triggered by several different sources, such as:
- Environmental Allergens: Pollen, dust mites, mold, and mildew.
- Food Allergens: Specific proteins found in beef, chicken, dairy, and grains.
- Flea Saliva: Reactions from flea bites.
Common pet allergy symptoms
Allergic reactions in pets often manifest through their skin:
- Itching, scratching or licking
- Red, irritated or inflamed skin particularly on paws, ears, or belly
- Hair loss or thinning coat
Treatment for pet allergies
Managing pet allergies typically involves a combination of approaches:
- Prescription medications
- Avoidance of known allergens
- Specialized hypoallergenic diets
- Immunotherapy (allergy shots)
Average cost of pet allergy treatment
Annually, the total cost for managing pet allergies can range from $1,000 to $2,000, depending on the treatments required.** The cost of treating pet allergies can vary widely based on the severity and treatment approach:
- Diagnostic Tests: $200 - $500
- Medications: $20 - $150 per month
- Immunotherapy: $300 - $600 per year
- Specialized Diets: $50 - $100 per month
**Based on Nationwide 2024 claims data
Pet insurance that covers allergies
Nationwide offers customized pet insurance for allergies, ensuring your furry friend receives the care they need. From diagnostic testing with a veterinary dermatologist to medications and vet-prescribed treatments, we’ve got you covered, giving you the peace of mind to keep your pet healthy. You must have the optional Illness coverage for pet allergies.
Please note - any condition (including allergies) that began or was contracted, manifested, or incurred before the effective date of this policy or during any waiting period, whether or not the condition was discovered, diagnosed, or treated is considered to be pre-existing and will not be covered.
What's covered
With Nationwide, you can trust that your pet’s allergy treatment is fully supported and managed effectively. Commonly covered treatments under Nationwide's pet insurance that covers allergies may include:
- Veterinary consultations
- Blood allergy tests
- Intradermal skin testing
- Prescription medications
- Follow-up visits
- Emergency care for severe reactions
What's not covered
At Nationwide, we understand how important it is to provide the best care for your pet. While our pet insurance for allergies offers extensive coverage, there are some exclusions to be mindful of to help you plan ahead and avoid surprises.
Being aware of Nationwide's exclusions helps manage your expectations and prepares you for potential out-of-pocket expenses. Key exclusions include:
- Pre-existing conditions
- Over-the-counter supplements and non-prescription treatments
- Routine care (such as general wellness exams and vaccinations)
- Non-veterinarian recommended treatments
- Grooming or bathing
- Experimental treatments and therapies
Please note - any condition that began or was contracted, manifested, or incurred before the effective date of this policy or during any waiting period, whether or not the condition was discovered, diagnosed, or treated is considered to be pre-existing and will not be covered.
We understand that these exclusions might raise concerns, especially for dedicated pet owners. For a detailed breakdown of exclusions and to ensure you have all the necessary information, please review your policy documents thoroughly and see our complete list of what is not covered.
How pet allergy insurance coverage works
Managing pet allergies can be challenging, but Nationwide’s pet insurance simplifies the process, allowing you to focus on your pet’s well-being.
Visit any vet
At the first sign of allergies, take your pet to any licensed veterinarian, specialist, or emergency clinic in the United States or abroad.
Submit your claim
After treatment begins, log into Nationwide’s online portal and upload the paid invoice along with any treatment notes.
Get reimbursed
Nationwide processes claims promptly, ensuring you receive quick reimbursements for eligible costs covered by your policy.
Ensure your pet’s comfort
Protect your pet from allergies with accident and illness coverage from Nationwide. Secure your pet’s health and your peace of mind today
Frequently asked questions
No. Any condition (including allergies) that began or was contracted, manifested, or incurred before the effective date of this policy or during any waiting period, whether or not the condition was discovered, diagnosed, or treated is considered to be pre-existing and will not be covered.
Yes, you can visit any licensed veterinarian, specialist, or emergency care provider.
After your pet receives treatment, submit your claim through Nationwide’s online portal by uploading the veterinarian’s paid invoice and any treatment notes. Reimbursements are processed promptly.
Yes, Nationwide members can access preferred pricing on pet medications through the PetRxExpress program. You can save 30%-50% on your pet’s prescription medications.***
***Based on program savings vs. 2021 average U.S. retail pet prescriptions.
There is typically a waiting period of around 14 days before coverage begins. Check your policy details for specific waiting periods. Remember that pre-existing conditions are not covered.
You can customize your plan to include illness coverage for allergies. However, it’s important to add illness coverage before any signs of allergies appear, as pre-existing conditions are not covered.
Coverage includes most treatments prescribed by a veterinarian, but over-the-counter supplements and treatments not prescribed by a vet are not covered. Check your policy for specific exclusions.