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.
Protect your pet’s health
With over four decades of expertise, we understand the complexities of pet healthcare and what it takes to give your pet the care they need when they get sick. Explore our comprehensive pet illness insurance coverage options tailored to meet the diverse needs of pet owners at an unmatched value.
Comprehensive support when your pet needs it most
At Nationwide, we understand how distressing it is when your pet faces a serious illness. Our pet illness insurance is crafted to support you during these challenging times, ensuring your pet gets the care they need without the financial strain. Whether it’s a chronic condition or a sudden illness, our plans are here to help you focus on what matters most—your pet’s recovery. Here are just a few common illnesses that our plans may cover:
- Respiratory infections
- Gastrointestinal upsets
- Skin infections
- Ear infections
- Eye infections
- Cancer
- Diabetes
- Arthritis
- Kidney disease
- Heart disease
- Gastrointestinal disorders
- Autoimmune diseases
- Thyroid disorders
- Liver disease
- Pancreatitis
- Urinary tract infections
- Epilepsy
Please note: Any illness or condition that began, was contracted, manifested, or incurred before the effective date of this policy or during any waiting period is considered pre-existing and will not be covered.
Pet illness can quickly add up
Treating pet illnesses can be costly, with expenses ranging from $185 for minor infections to over $5,000 for serious conditions**. Nationwide’s pet illness insurance may help cover these expenses, ensuring your pet receives essential medical care without you having to worry about the financial burden
Rate based on a 1 year old mixed (Medium 21-50lbs) dog in 60615 for the Modular plan with Accident and Illness coverage, $5,000 annual limit for each category with 80% coinsurance and $250 annual deductible.
**Based on Nationwide 2024 claims data
Pet illness insurance coverage
At Nationwide, we understand the importance of comprehensive care when your pet is ill. Our pet illness insurance covers a variety of essential procedures, ensuring your pet gets the best possible treatment.
What’s covered
With extensive coverage, you can rest easy knowing that your furry friend is in good hands. Covered procedures or treatments may include:
- Diagnostic tests
- Surgeries
- Hospitalization
- Medications
- Specialist care
- Follow-up visits
- Emergency care
- Chemotherapy
- Radiation therapy
- Physical therapy
- Prescription diets
Specialist coverage
Nationwide’s pet illness insurance covers a variety of specialists to ensure your pet gets the care they need for their specific health condition. Coverage may include:
- Veterinary Oncologists: For cancer treatments
- Veterinary Cardiologists: For heart conditions
- Veterinary Dermatologists: For skin issues and allergies
- Veterinary Neurologists: For brain and nervous system disorders
- Veterinary Orthopedists: For bone and joint problems
- Veterinary Internal Medicine Specialists: For complex internal organ issues
- Veterinary Ophthalmologists: For eye diseases and vision
What's not covered
While Nationwide’s pet illness insurance offers extensive coverage, there are certain exclusions to be aware of. Understanding these can help you manage expectations and plan accordingly.
Here are the typical exclusions from Nationwide illness pet insurance coverage:
- Pre-existing conditions
- Routine wellness exams and preventive care
- Over-the-counter supplements and non-prescription treatments
- Experimental treatments and therapies not prescribed by a vet
- Breeding, pregnancy, and whelping costs
Please note - any condition (including illness) 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.
Enhance your coverage with preventative and wellness plans
Boost your pet’s health and prevent illnesses with Nationwide’s optional wellness coverage. These optional plans complement your pet illness insurance by covering routine check-ups, vaccinations, dental cleanings, flea, tick, and heartworm prevention. Investing in preventative and wellness coverage ensures early detection of potential health issues and maintains your pet’s overall well-being. Customize your pet’s insurance plan with Nationwide!
How illness insurance for pets works
Nationwide’s pet illness insurance ensures your pet receives top-notch care when it matters most, with the support and reliability you can trust. Here’s how pet insurance works:
Visit your vet
Once your policy is active, take your pet to any licensed veterinarian, specialist, or emergency clinic in the United States or abroad.
Submit a claim
After treatment, submit the paid veterinary invoice along with treatment notes through Nationwide's online portal or app to file a claim.
Get reimbursed
Nationwide prioritizes speedy claim processing, ensuring you receive reimbursements quickly so you can focus on your pet's recovery without added financial stress.
Secure your pet’s health
Protect your furry friend with Nationwide’s optional pet illness insurance. Get a personalized quote tailored to fit your budget and give your pet the care they deserve.
Frequently asked questions
Consult your policy documents or contact Nationwide customer service to understand what is defined as an illness and covered under your plan.
No, our pet health insurance plans do not cover treatment for pre-existing conditions that happened before the policy start date or during your waiting period.
Yes, you can visit any licensed veterinarian, specialist, or emergency care provider in the United States or abroad.
Yes, treatments by specialists such as veterinary oncologists, cardiologists, and dermatologists are covered if the condition is eligible.
Yes, there is typically a waiting period before coverage begins. Please check your policy details for specific waiting periods.
Yes, Nationwide offers multi-pet discounts and discounts for existing Nationwide members.
Claims are typically processed within a few weeks. Ensuring all necessary documentation is complete and submitted promptly can facilitate faster processing.
Routine wellness visits are generally not covered under your pet’s illness insurance policy. However, you can add wellness coverage to your accident and illness plan to cover these visits.