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.
Secure prescription coverage for your pet
Ensure your pet's health with Nationwide’s comprehensive prescription medication coverage. As passionate pet lovers, we built our policies with you in mind to guarantee your pet gets the best care possible all at an affordable rate.
Maximizing pet health and minimizing costs
As dog and cat lovers ourselves, we know that your pet's health and health care are paramount. We also know that some essential medications can cost as much as several hundred dollars without coverage. Our plans significantly reduce the costs of those medications whether they're for chronic conditions or unexpected treatments. If your vet prescribes medicine for your pet, our pet insurance may help cover the costs.
Pet medication coverage
Our pet insurance coverage is designed to ensure that you don’t have to focus on the cost of your pet’s medication. Most medications prescribed by a veterinarian may be covered by our insurance plans, including:
- Antibiotics
- Pain medications
- Illness-specific medications
- Eye drops
- Steroids
- Insulin
- Allergy medications
We offer pet insurance that covers prescriptions for eligible medical conditions so you don’t have to make a health decision based just on finances.
Prioritize your pet's wellness
Keeping your pet happy and healthy is a top priority. Our optional routine care plans expand your prescription coverage to include heartworm, and flea and tick prevention medication.
What's not covered
While we strive to cover a wide range of health needs for your pets, not all medications are covered under our prescription medication benefits. As devoted pet parents, it can be disappointing and stressful to discover that certain treatments are not covered by pet insurance.
Being aware of Nationwide's pet medication exclusions helps manage your expectations and prepares you for potential out-of-pocket expenses. Key exclusions include:
- Medications for pre-existing conditions
- Non-FDA approved medications
- Over-the-counter medications
- Vitamins and supplements
- Preventive medications
- Prescription food
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.
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 prescription pet insurance works
Managing your pet's prescription medications is no easy task. Nationwide's pet insurance for prescription medications is designed to ease the stress and financial burden, allowing you to focus solely on your pet's well-being.
Fill your prescription
After visiting any licensed vet to receive your pet’s prescription, fill your prescription at your preferred pharmacy.
Submit your claim
Go to Nationwide’s online portal to submit the paid invoice. Claims for prescriptions filled at your local Walmart or Sam's Club* will be submitted automatically if enrolled in Nationwide PetRxExpress
Quick reimbursement
Nationwide efficiently processes prescription drug claims, allowing for quick reimbursements for costs covered under your policy.
Nationwide PetRxExpress®
At Nationwide, we know that getting your pet the right medication quickly and affordably matters to you. Take advantage of PetRxExpress® to save 30%-50% on pet medications** and have your claim submitted automatically at no extra charge.
How It Works
- Take your prescription to any participating Walmart or Sam's Club pharmacy
- Show your Nationwide pet insurance ID at checkout
- Save money with preferred pricing and have your claim automatically submitted.
Nationwide PetRxExpress® is all about making your pet’s health care as straightforward and cost-effective as possible. We are here to help you every step of the way. Nationwide is more than just a name—we are your partner in ensuring your pet is well cared for.
*Available at pharmacies within the 50 states, not including Puerto Rico. **Based on program savings vs. 2021 average U.S. retail pet prescriptions.
Frequently asked questions
No, Nationwide does not cover prescription medications used to treat pre-existing conditions. Nationwide pet insurance only covers medications prescribed by a veterinarian for eligible medical conditions.
Yes, like most insurance plans, you'll need to meet your annual deductible before the eligible prescription medication coverage applies. If you have the optional wellness coverage, there is no applicable deductible for flea/tick/heartworm preventive medication. Check your specific plan details for your deductible amount.
Yes, you can fill prescriptions at any pharmacy, but you will need to submit your claim manually. Use Nationwide PetRxExpress® through any participating Sam's Club or Walmart pharmacy* and your claim will be submitted automatically.
You can file a claim by submitting your pharmacy receipts along with a completed claim form, which is available on the Nationwide pet insurance website or through the mobile app.
Coverage limits for prescription medications can vary depending on your plan as some plans may have annual limits. Always review your policy for specific limit details.
The waiting time for reimbursement varies, but typically, once Nationwide receives your claim and it is processed, reimbursements are issued within a few days. Setting up direct deposit can expedite this process.
Nationwide generally covers generic medications, which can be a more cost-effective option. Always consult with your veterinarian about the best treatment for your pet.