Pet Insurance | Nationwide is America's #1 Pet Insurance

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Complete coverage. Complete confidence.

Nationwide® offers more flexible pet health coverage options than any other pet insurer. It’s why we’re America’s #1 choice for pet insurance¹ year after year.

More than 1 million pets insured
Use any vet, including specialists and emergency providers
Submit claims right from your phone and get reimbursements deposited straight to your bank account²

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How pet insurance works

A pet insurance plan lets you give your furriest family members the best health care possible by reimbursing you for eligible veterinary costs.

Visit your vet
Visit any licensed veterinarian in the United States or anywhere else in the world.
Submit claims
Quickly and easily submit claims online for things like illnesses, injuries or emergency care.
What's covered?
Receive cost reimbursements
Receive reimbursements for eligible vet costs covered under your policy terms.

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Frequently Asked Questions

Can I still use my vet?

Absolutely. All our plans can be used with any licensed veterinarian, anywhere in the world—even specialists and emergency providers. Get a no-obligation quote.

What do the plans cover?

We offer nose-to-tail coverage for:

Accidents, including broken bones, sprains, lacerations and poisoning
Illnesses, including allergies, ear infections, arthritis and cancer, and more
Preventive care, including checkups, vaccinations and flea/tick preventive

How does reimbursement work?

Once you’ve met your annual deductible, we’ll reimburse you for eligible veterinary expenses according to the percentage or benefit schedule you selected for your plan, up to the applicable policy limit.

Say you have a $250 annual deductible with $5,000 in accident coverage at 90% reimbursement. Now let’s say your dog broke a leg and the vet bill was $2,500, of which $2,400 was covered (we don’t cover non-medical things like tax and waste disposal). After your deductible and 90% are applied, we’d reimburse you $1,935, leaving you with $3,065 in remaining accident coverage for the remainder of your policy term.

Can I cancel my policy before the term is up?

Absolutely. You can cancel anytime. The easiest way is to go to my.petinsurance.com. Your state may also have a Free Look Period (a.k.a. Right to Examine and Return a Policy) in which you would have a limited time to get your money back. To qualify, you must not have filed a claim under the policy. Participating states require you to notify us of your choice to exercise the Free Look option within a specific time frame. Please read your policy for details. Terms may vary by state.

See state cancellation timeframes for more information.

How do I choose the best pet insurance for me?

The best pet insurance for you is one that provides a level of coverage you’re comfortable with and fits your budget for monthly premiums. When choosing your plan, consider how much medical care (for accidents and illnesses) is typical for your pet’s breed and whether you want wellness coverage for preventive care.

When does my coverage begin?

Most plans start 14 days after your application is approved and payment has been received. If you’re enrolling as part of a group or organization, effective dates vary.

What is the annual deductible for pet medical insurance?

Nationwide offers annual deductible options as low as $100 on some plans. Most pet owners choose a $250 annual deductible.

What are the limitations on coverage and medical costs?

Items such as grooming, tax, waste disposal, boarding, or pre-existing conditions are not eligible for coverage. See policy documents for a complete list of exclusions.

How do you compare to other pet insurance companies?

A lot of pet insurance companies have come and gone. The key to picking one you can count on is stability and experience. Some insurance companies pay to use the names of well-known organizations. With Nationwide, what you see is what you get: one of the largest and most trusted financial services companies in the world.

How are my premiums determined?

Monthly premiums for new enrollments depend on your pet’s breed and age, the type of coverage selected and your ZIP code.

Best.Pet insurance.Ever.SM