Pet insurance buyers guide

4 foolproof steps for finding the right plan

This step-by-step guide will help you make a smart decision when buying pet insurance for your dog or cat.

1. Decide what kind of coverage you want for your pet.

Pet insurance coverage falls under two categories: medical and wellness.

Medical plans typically cover:

  • Accidents
  • Illnesses
  • Surgeries

Major Medical Plan


covers accidents, illnesses
& hereditary conditions


Wellness plans typically cover:

  • Preventive care exams
  • Vaccinations
  • Flea/heartworm preventives

Pet Wellness Plan

everyday careSM

covers vaccinations,
flea control & more

$19-27 /mo.

*Premiums vary based on the age of the pet, species, size (as an adult), plan type, deductible and state of residence.
†Premiums vary based on the species of the pet, plan type and state of residence. Wellness plans not available in all states.

Insider tip: Not everyone offers both kinds of coverage. Others only offer wellness if you buy a medical plan first—which is more expensive. Nationwide offers a variety of medical and wellness plans that can be purchased individually or bundled together.

2. Look at prices and value.

Weigh what you're paying against what you're getting. There's no point in buying a plan just because it's cheap if it doesn't cover what you need.

Insider tip: Deductibles affect value. Per-incident deductibles apply to every new claim you file before you'll be covered. Annual deductibles need to be met just once each year for full coverage to kick in. Nationwide plans have either an annual deductible or no deductible.

3. Research the factors affecting your coverage.

Be sure you understand what is and isn't covered—as well as when and why those things might change.

Insider tip: Some pet insurers put complex restrictions on your coverage if you file a claim. With Nationwide, your coverage remains the same year after year; we don't think it's fair to penalize you if your pet gets sick or hurt.

4. Look at the company's track record for dependability.

A lot of pet insurers have come and gone. The key to picking one you can count on is to go with the company that has the most stability, experience and recommendations.

Insider tip: Some insurance companies pay to use the names of well-known organizations. With Nationwide, what you see is what you get: the #1 recommended pet insurer, which also happens to be one of the largest and most trusted financial services companies in the world.

Top 5 dog conditions


Most popular dog plans


Dog — sample reimbursement


Top 5 cat conditions


Most popular cat plans


Cat — sample reimbursements