Nationwide is a big pet insurance company in the US. They cover over a million pets, including not just cats and dogs but also other animals like parrots, rabbits, and guinea pigs.
They have three types of plans to help with accidents and injuries, but not all pets can get all of them. Two plans are like what other pet insurance companies offer, where they pay a percentage of your vet bill.
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The third plan pays a fixed amount per condition, no matter how much you spend. They also offer wellness coverage, but not all plans are available in every state.
Nationwide Insurance State Availability
Nationwide offers pet insurance in all 50 states and Washington, D.C. However, certain plans may not be available in every state, and availability can change. Not all pets may qualify for coverage in certain states.
Nationwide Insurance Plans
Nationwide offers different types of pet insurance plans, but which ones you can get depends on where you live.
Modular Plan: With this plan, you can choose the coverage you want. For instance, you could opt for just accident coverage or include coverage for illnesses, behaviour treatments, special food, supplements, and routine check-ups. The Modular plan refunds you a portion of your vet expenses.
Whole Pet Plan: This is Nationwide’s most thorough plan, covering a wide range of illnesses and injuries. Similar to the Modular plan, it reimburses you for part of your vet bills for accidents or illnesses, including check-ups and tests. However, it doesn’t include coverage for routine check-ups or preventive care like heartworm prevention.
Major Medical Plan: This plan pays out based on a preset list of benefits, specifying the maximum amount you can get back each year for each condition, regardless of what your vet charges.
Wellness Coverage: This is an optional add-on that can reimburse you for routine pet care like vaccinations, microchipping, and basic services. Depending on your plan, it might also cover procedures like spaying, neutering, or dental cleaning. However, not all states offer Wellness plans. If available, you can combine a Wellness plan with a Major Medical or Modular plan, but you can’t add it to a Whole Pet plan.
What Does Nationwide Insurance Company Cover
Depending on the options you choose, Nationwide’s Modular plan can cover:
- Exams, treatment, hospitalization, and surgery for injuries and illnesses, including cancer.
- Hereditary and congenital conditions.
- Diagnostic tests.
- Prescription medication, food, and supplements.
- Behavioural exams and therapies.
- Alternative therapies like acupuncture and chiropractic.
- Routine and preventive care like vaccinations, faecal tests, and heartworm prevention.
- Dental diseases, as long as there were no previous signs before the effective date of your pet’s coverage.
Nationwide’s Whole Pet plan covers:
- Exams, treatment, hospitalization, and surgery for injuries and illnesses, including cancer.
- Hereditary or congenital conditions.
- Diagnostic tests.
- Prescription medication.
- Nutritional supplements or therapeutic diets prescribed by your vet.
- Dental diseases such as gingivitis.
- Behavioural exams and therapies.
- Alternative therapies like acupuncture and chiropractic.
Nationwide’s Major Medical plan covers:
- Exams, treatment, hospitalization, and surgery for injuries and illnesses listed in your benefit schedule, including cancer.
- Diagnostic tests.
- Prescription medication.
- Some hereditary conditions.
- Alternative therapies like acupuncture and chiropractic.
- Some dental conditions, excluding gingivitis.
Depending on the plan you select, Nationwide’s wellness coverage may include:
- Routine checkups and behavioral exams.
- Vaccinations or titers.
- Heartworm or FeLV/FIV testing.
- Fecal testing.
- Deworming.
- Microchipping.
- Flea or heartworm preventives.
- Additional screening tests.
- Spay or neuter surgery.
- Dental cleaning
What Is Not Covered
Nationwide’s pet insurance plans don’t cover:
- Pre-existing conditions.
- Grooming.
- Cruciate ligament problems within the first 12 months of coverage.
- Wellness and preventive care (unless you’ve purchased a wellness plan).
- Experimental treatment.
Additionally, the Major Medical plan excludes:
- Congenital or developmental disorders.
- Some hereditary conditions.
- Various dental issues like gingivitis or treatment of baby teeth.
- Behavioral therapies.
- Age-related changes to an animal’s eyes or ears.
- Treatment for parasites like heartworms.
- Prescribed nutritional supplements or pet foods.
- Expenses associated with breeding or pregnancy, such as cesarean sections.
- Any conditions specifically excluded in your benefits schedule.
Coverage Options
Nationwide’s coverage options include:
Deductibles: The standard deductible is $250 for most plans, but you might have other choices online or by phone.
Reimbursement amounts: With Whole Pet plans, you can get back 50% or 70% of your vet bills. For Modular plans, reimbursement can range from 50% to 90%. Major Medical reimbursement depends on your benefits schedule.
Coverage limits: Whole Pet plans have a $10,000 yearly limit. Modular plans let you pick a $5,000 yearly limit or no limit at all. Wellness coverage has different yearly limits depending on your plan. Major Medical plans have maximum coverage per condition.
Restrictions and waiting periods:
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- Age restrictions: Your pet might need to be at least 8 weeks old to get coverage, and there might be a maximum age of 8 or 9 years for some plans. Some plans don’t have age restrictions.
- Waiting periods: This is the time between buying your policy and when coverage starts. It could be 14 days for most plans. For the Modular plan, coverage for spaying, neutering, and dental cleaning usually starts after 90 days. There’s a 12-month waiting period for cruciate ligament issues in many states
Rate
The price you’ll pay for pet insurance from Nationwide depends on where you live, the coverage you pick, and your pet’s age and breed.
Here’s an estimate: We looked at how much it might cost for various types of dogs in Katy, Texas. For younger dogs, we considered a plan covering accidents and illnesses, with a $250 deductible, $5,000 yearly coverage, and an 80% reimbursement rate.
Older dogs were only eligible for accident coverage due to their age, but they had the same deductible, coverage limit, and reimbursement rate. Keep in mind, that your actual cost may differ.
Discount
If you already have another Nationwide policy like auto or homeowners insurance, you can get a 5% discount on a new pet insurance plan.
You might also save 5% to 10% if you insure more than one pet with Nationwide.
If your employer provides Nationwide pet insurance as a perk, you can enjoy a 5% discount.
Conclusion
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