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.
Create a surgery coverage plan for your pet
Find a pet health insurance plan that covers surgery tailored to your pet and their needs.
Understanding the cost of pet surgery
Surgery costs for dogs and cats can vary widely, with simpler procedures like spaying and neutering that can cost hundreds of dollars, and more complex surgeries such as tumor removal or orthopedic treatments potentially costing thousands of dollars. With nearly 50% of all pets undergoing surgery at some point in their lives and the rising cost of veterinary care due to advanced technology, pet insurance becomes crucial. Nationwide’s plans can offset the costs of these vet bills, allowing pet owners to focus on their pet’s recovery without worrying about financial strain.
Comprehensive pet insurance surgery coverage
We know how stressful it can be when your furry friend needs surgery. That’s why we’ve got you covered with pet surgery insurance designed to cover all the essentials, letting you focus on their recovery, not the costs. Here’s what our plans may cover:
- Exam Fees
- X-Rays
- MRIs
- Emergency Surgery
- Anesthesia
- IV Fluids
- Hospitalizations
- Prescriptions
- Rehabilitation
- Follow-up Visits
Please note - any condition (including conditions that require surgery) 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.
Explore our surgical coverage for pets
At Nationwide, we've got your pet covered for just about every type of surgery they might need. Whether it's something routine, a bit more urgent like extracting that toy your furry friend shouldn't have eaten, or even complex procedures like tumor removals—we're here to help ease the burden. Our goal is to help you manage the costs so you can focus on your pet’s health and recovery. After all, they're family, and we’re here to support both of you every step of the way! Here are some of the most common surgeries our plans may cover:
- Emergency Trauma
- Mass Removal
- Dental Extractions
- Foreign Body Ingestion Removal
- Broken Bone Repairs
- Hernia Repairs
- Cataracts
- Ulcer Treatments
- Hip Dysplasia
- Orthopedic Repairs
What's not covered
When choosing surgery pet insurance coverage, it's essential to know what the insurance does not cover to avoid unexpected veterinary costs during stressful times.
It's important to be aware of what's not included in our insurance coverage:
- Pre-existing conditions
- Elective procedures
- Cosmetic procedures
- C-Sections
- Cruciate repair
Please note - any condition (including surgeries) 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.
Pet surgery insurance made simple
Dealing with pet surgery can be stressful. Our pet surgery insurance eases this process, allowing you to focus on your pet’s recovery.
Choose any licensed vet
Find any licensed veterinarian anywhere in the world, including specialists and emergency hospitals, for your pet's surgery.
Easily submit your claim
After the surgery, submit your claim through our online portal by uploading the vet's invoice and any treatment notes.
Quick reimbursement
We process claims promptly, ensuring you receive timely reimbursements for eligible costs under your policy.
Be prepared for pet surgeries
Frequently asked questions
Yes, there is a 14-day waiting period for your policy to go into effect. Certain conditions have additional waiting periods that vary by policy. Please refer to your policy details for specific waiting period information.
Yes, Nationwide’s pet insurance surgery coverage allows you to choose any licensed veterinarian or surgeon. You have the flexibility to go to your preferred vet or a specialist of your choice anywhere in the U.S. or around the world
To file a claim, you will need to submit the veterinary invoice detailing the surgery, a claim form, and possibly your pet’s medical records if it’s the first claim related to the condition being treated.
Yes, there is an annual deductible that must be met before your pet surgery insurance coverage begins. Once the deductible is met and co-insurance is met, your policy will reimburse the eligible remaining costs. Please refer to your policy for your annual deductible and reimbursement rate.