Nationwide is a well-established insurance provider that offers a range of products, including pet insurance. Since acquiring Veterinary Pet Insurance (VPI) in 2009, Nationwide has been providing customizable pet insurance coverage for accidents, illnesses, and wellness. The company recently partnered with Petco to offer a co-branded pet insurance plan, providing discounts for Petco’s veterinary clients.
Pros and Cons of Nationwide Pet Insurance
Based on our objective rating methodology, we gave Nationwide Pet Insurance a solid rating of 4.2 out of 5 stars. The company performs well in terms of cost and customer experience. However, it has some limitations, and customers may find the website confusing when exploring their options.
How Does Nationwide Pet Insurance Compare?
Nationwide Pet Insurance scored well in our pet insurance rating methodology. While it offers limited customization options and has several exclusions and limitations, it remains a good choice for customers who already have other insurance policies with Nationwide and prefer to keep their pet insurance within the same ecosystem.
How Much Does Nationwide Pet Insurance Cost?
The cost of Nationwide Pet Insurance varies depending on the type of coverage you choose. On average, an accident-only plan costs $17 per month for dogs and $5 for cats. For accident and illness coverage with a hereditary conditions add-on, the average monthly cost is $61 for dogs and $25 for cats. Nationwide also offers a discount of up to 10% for policies with four or more pets.
What Does Nationwide Pet Insurance Cover?
Nationwide offers various coverage options, but the specifics depend on your pet’s characteristics and location. The reimbursement rate differs among plans, with some covering a percentage of veterinary bills up to an annual coverage maximum and others limiting benefits by category.
Nationwide’s plan offerings include the Modular Plan, Major Medical, Whole Pet, and My Pet Protection. Each plan has different deductibles, annual limits, and reimbursement rates. However, it’s worth noting that pre-existing conditions and health issues during the waiting period are not covered.
Optional Add-On Coverage
Nationwide offers an optional add-on for hereditary and congenital conditions, which are generally excluded from its plans. This add-on costs between $1 and $5 per month and can be useful for pet owners with purebred pets or specific concerns about coverage gaps.
FAQs
Q: Can I customize my Nationwide pet insurance plan?
A: While Nationwide does offer some customization options, the extent varies depending on the plan and your pet’s eligibility. We recommend calling customer service to discuss your specific needs and coverage options.
Q: Does Nationwide pet insurance cover pre-existing conditions?
A: No, Nationwide, like most pet insurance providers, does not cover pre-existing conditions. It’s important to enroll your pet in insurance as early as possible to ensure coverage for future conditions.
Q: What is the reimbursement process with Nationwide pet insurance?
A: Nationwide offers reimbursement based on a percentage of the veterinary bills, subject to any deductibles and annual limits specified in your chosen plan. Be sure to review the details of your plan for a clear understanding of the reimbursement process.
Conclusion
Nationwide Pet Insurance is a well-established provider with a range of coverage options for pet owners. While it may have some limitations, it remains a solid choice for customers who already have insurance policies with Nationwide or frequently visit Vetco locations. Be sure to review the details of each plan and contact customer service to discuss your specific needs and eligibility.
