Say yes to the care your pet needs
Your veterinarian recommended care to help protect your pet’s health. Nationwide pet insurance can help you say yes with more confidence by helping reimburse eligible vet costs, depending on your plan.
Nationwide protects more than 1,000,000 pets
- Visit any licensed vet, including specialists
- More than 40 years of pet protection experience
- 24/7 veterinary advice for members
How does pet insurance work?
Managing a health concern for your pet is stressful. Nationwide’s pet insurance allows you to concentrate fully on your pet's health and treatment.
At the first sign of health issues, bring your pet to any licensed veterinarian anywhere in the world.
Once your pet has been treated, simply access Nationwide’s online portal to submit the paid vet invoice and any relevant treatment details.
Nationwide efficiently processes insurance claims ensuring that reimbursements for costs covered under your policy are delivered promptly.
Customizable plans to fit your needs
Nationwide allows you to customize your pet insurance coverage so you can have a plan that fits your needs and your budget.
Choose your annual deductible from $250, $500, and $1,000 options. Paying a higher deductible will help you pay less for pet insurance.
Select a lower reimbursement percentage and pay a lower premium.
Save money on preventive care like annual exams, vaccinations, and flea/tick prevention.
Enroll with a lower annual limit and pay less for your pet insurance.
When you get a quote, you’ll see your monthly price update based on the choices that fit your budget.
Frequently Asked Questions
Yes! All our plans can be used with any licensed veterinarian, anywhere in the world—even specialists and emergency providers. Get a no-obligation quote.
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
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.
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.
Like all pet insurers, we don't cover taxes, waste, grooming, boarding, or pre-existing conditions.
But unlike other pet insurers, we have plans that cover pretty much everything else. That includes hereditary and congenital conditions, wellness care, exam fees and much more.
Find a plan that covers what you’re looking for, or check out our what’s covered page.
Real life claims example
When emergencies happen, pet insurance coverage can make a meaningful difference
Foreign body ingestion occurs when pets swallow objects that are not meant to be eaten. This can be a serious situation that requires immediate attention. Consult with a veterinarian if you see your pet ingest something they should not. Learn more
Nationwide® pet insurance claim example
Veterinary bill
$3,158
You pay only
$632
Example reflects Modular Plan Accident, Illness and optional Congenital & Hereditary rider as well as the optional Cruciate rider added after the first year of coverage, with $5,000 annual limit for each category and 80% reimbursement after the $250 annual deductible has been met. This plan may not be available in all areas. Pre-existing conditions are not covered. Veterinary bill amount is based on expenses incurred in the first 30 days after initial diagnosis.
The Nationwide difference
Nationwide pet insurance is the only provider that includes comprehensive coverage, multiple wellness options, exam fees, and 24/7 telehealth access — all in one plan.
| Plan Feature |
|
Trupanion | Healthy Paws | Embrace |
|---|---|---|---|---|
| Comprehensive coverage that lets you visit any hospital or specialist |
 Nationwide: Yes
|
Trupanion: Yes
|
Healthy Paws: Yes
|
Embrace: Yes
|
| Multiple wellness coverage options available |
Nationwide: Yes
|
 Trupanion: No
|
Healthy Paws: No
|
Embrace: Yes
|
| Exam fees covered |
Nationwide: Yes
|
Trupanion: No
|
Healthy Paws: No
|
With purchase of optional coverageEmbrace: With purchase of optional coverage |
| Telehealth - 24/7 access to veterinary experts |
Nationwide: Yes
|
Trupanion: No
|
Healthy Paws: No
|
Embrace: No
|
Pet insurance provider comparison: Comprehensive coverage - Nationwide: Yes, Trupanion: Yes, Healthy Paws: Yes, Embrace: Yes. Multiple wellness coverage options - Nationwide: Yes, Trupanion: No, Healthy Paws: No, Embrace: Yes. Exam fees covered - Nationwide: Yes, Trupanion: No, Healthy Paws: No, Embrace: With purchase of optional coverage. Telehealth 24/7 access - Nationwide: Yes, Trupanion: No, Healthy Paws: No, Embrace: No.