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.
Give your pet a fighting chance and plan ahead
With over four decades of experience, Nationwide stands as a leader among pet insurance companies. We understand the complexities of pet healthcare, particularly when it comes to serious conditions like cancer. Our long-standing expertise allows us to offer more comprehensive coverage options that meet the diverse needs of pet owners at an unmatched value.
The impact of cancer on dogs and cats
Cancer can significantly impact the health of both dogs and cats, and the risk increases as they age. It is crucial for pet owners to provide regular veterinary check-ups as these are key in detecting the disease early and accessing advanced treatments. Here are several additional considerations about cancer in your pets.
- Dogs: About 25% of dogs will develop cancer in their lifetime, with risks increasing significantly after age 10. Annually, approximately 6 million new cancer diagnoses are made among dogs in the U.S., with breeds like Golden Retrievers, Boxers, and Bernese Mountain Dogs showing higher incidences due to genetic predispositions.
- Cats: Roughly 20% of cats are affected by cancer, with lymphoma being the most common type. Cats often hide their symptoms, making early detection and comprehensive coverage essential.
- Survival rates: Survival rates for pets with cancer have significantly improved thanks to advances in veterinary oncology. Early detection and treatment can lead to successful outcomes, achieving remission rates of over 60% depending on the cancer type and stage.
Common types of cancer in dogs & cats
Unfortunately, cancer is one of the leading causes of death in dogs and cats, especially older pets. Among the common types of cancers that affect both dogs and cats are:
It's heartbreaking to see our beloved pets suffer from these diseases. We recognize the emotional and financial toll this takes on families and aim to provide comprehensive coverage for all these types of cancers so your pet has the best chance at survival.
Managing the cost of pet cancer treatments
Treating cancer in pets can be financially daunting, as costs for diagnostics and treatments like MRIs, chemotherapy, and surgery can quickly escalate into thousands of dollars. The cost for cancer treatment for dogs and cats depends on the type of cancer, and the treatment or surgery needed. Fortunately, our pet insurance may cover on average between 50% to 80% of these expenses, depending on the specifics of the policy. This coverage, which kicks in after the deductible and co-insurance is met, makes necessary treatments more accessible and affordable. By choosing comprehensive pet insurance that covers cancer, owners ensure their pets receive the care they need for a better quality of life while protecting themselves from overwhelming medical bills.
Please note - any condition (including cancer) 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.
Pet insurance that covers cancer
Our pet insurance coverage is designed to provide support in the battle against pet cancer, covering eligible treatments and services to ensure your pet receives the care they need. Our pet insurance for cancer treatments is crafted to ease the burden of medical expenses, allowing you to focus on providing the care to your pet needs during a challenging time. Coverage for pet cancer may include:
- Diagnostic tests
- Consultations
- Blood work
- IV fluids
- Prescription medications
- Surgical procedures
- Chemotherapy
- Radiation therapy
- Rehabilitation
- Ultrasounds & MRIs
- X-Rays
- Hospitalizations
- Follow-up visits
- Palliative and hospice care
Early detection care with Nationwide wellness plans
Preventive care is crucial in maintaining your pet's health and detecting potential health issues like cancer early on, which can significantly improve treatment outcomes and quality of life. Our wellness coverage is designed to complement your pet’s medical insurance by covering the costs of routine check-ups and preventive procedures that play a vital role in early detection.
What's not covered
While our cancer coverage is comprehensive, there are limitations and exclusions that pet owners should be aware of to avoid surprises during a stressful time. Knowing what is not covered can help you better plan for potential out-of-pocket costs and ensure you have the appropriate expectations about your pet insurance policy.
Here’s what is typically not covered by our pet insurance for cancer:
- Pre-existing Conditions
- Experimental Treatments
- Illegal Substances (under Federal/State Law)
Please note - any condition (including cancer) 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.
As fellow pet owners, we know how frustrating it can be to discover that not everything is covered. We strive to limit exclusions as much as possible while maintaining affordability in our plans.
See a full list of exclusions or refer to your policy for further information.
How pet insurance for cancer treatments works
Managing a pet diagnosed with cancer is challenging enough without the added stress of financial burdens. Nationwide’s pet insurance for cancer treatments allows you to concentrate on your pet's health and treatment.
Visit any specialist
At the first sign of health issues, bring your pet to any licensed veterinarian or oncology specialist, whether in the United States or internationally.
Submit your claim
Once your pet has started treatment, claiming expenses is straightforward. Simply access Nationwide’s online portal to submit the vet or oncologist’s invoice and any relevant treatment details.
Receive reimbursements
Nationwide efficiently processes claims related to cancer treatments, ensuring that reimbursements for eligible costs covered under your policy are delivered promptly.
Secure your pet’s future
Frequently asked questions
Pets over 2 months old and under 8 years of age are eligible as long as they are enrolled before the diagnosis of any cancer.
Absolutely. You have the freedom to visit any licensed veterinary oncologist or other specialists. Our coverage ensures you can seek the best possible treatment for your pet.
There is a waiting period of 14 days after enrollment before the cancer coverage becomes active. Please refer to your policy details for the specific waiting period.
Please note - any condition (including cancer) 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.
Unfortunately, coverage for experimental or non-traditional treatments, such as certain types of immunotherapy or alternative treatments, is not covered under Nationwide’s pet insurance for cancer.
We strive to process pet insurance cancer treatment claims as quickly as possible. You can facilitate a faster processing time by ensuring all necessary documentation is complete and submitted promptly.
Some policies may have annual or lifetime caps on how much can be spent on cancer treatment. Check your policy details for specific limits to understand the extent of coverage provided.