Nationwide offers a selection of pet insurance policies designed to fit most budgets. Their plans cover accidents and illnesses as well as wellness plans that cover routine care such as vaccinations.

Major and Whole Pet Medical plans both feature a set reimbursement rate, annual maximum, and list of conditions covered under each policy. It’s essential to get an estimate to understand how much coverage will cost before making a commitment to one policy or another.

1. Get a quote from multiple insurers

By gathering quotes from multiple insurers, you can compare available options and prices more efficiently. There are various online pet insurance quote tools that can quickly provide estimates. Once you know the price of each option, carefully weigh its advantages and disadvantages before making your choice.

Nationwide offers several pet insurance plans, from three levels of medical coverage and wellness rider to coverage for preventive treatments and 24/7 access to Nationwide’s VetHelpline. Each plan has a $250 annual deductible with 24/7 access available via VetHelpline; in addition, Nationwide provides coverage for an array of exotic species in addition to dogs and cats.

Plans vary based on your region, offering annual limits and reimbursement rates as options. Some plans cover preexisting conditions while others exclude them permanently or only apply one-year waiting periods to certain hereditary disorders. Nationwide’s Modular plan, for instance, lets policyholders choose coverage options such as accidents, illnesses, behavior therapy and prescription food and supplements as well as two annual physical exams, nail trims, microchipping and fecal tests; customers praise Nationwide for its quick claims process, quick payouts and compassionate customer service while long-term policyholders report steep premium increases and claim denials.

2. Opt for a lower reimbursement rate

Vet visits for minor health issues can quickly add up. But Nationwide offers preferred pricing at Walmart and Sam’s Club pharmacies on select medications if you want to save money with pet insurance, simply present your digital pet ID card along with a valid prescription to receive discounted pricing, then automatically submit a claim through them!

As with other pet insurers, Nationwide provides plans tailored to different budgets and needs, from basic accident and illness coverage to more extensive whole-pet wellness options. Some of its strengths include its flexible Modular plan and 24/7 vet helpline – however some drawbacks include its lower reimbursement rates (it reimburses up to 80% rather than 90% of vet bills), exclusion policies may exclude preexisting conditions as well as having an extended waiting period for cruciate ligament injuries than most insurers.

3. Choose a plan with a higher deductible

When purchasing Nationwide pet insurance, your coverage and deductible choices have an immediate effect on your premiums. In general, plans that provide accident, illness and wellness coverage cost more than simpler accident-only policies; however you could reduce premium costs by selecting plans with higher deductibles.

Consider your pet’s age and health risks when choosing their deductible. Young, healthy pets may be able to afford higher deductibles with lower monthly premiums; older or predisposed to health conditions could benefit more from a low deductible with lower premiums.

Once your deductible has been met, Nationwide will cover a percentage of eligible vet bills, saving money on routine care like exams and vaccinations. Plus, with PetRxExpress(sm), low-cost prescription pricing at Walmart and Sam’s Club pharmacies is now possible! Bring in your Pet Insurance Card along with valid prescription for submission of claims directly.

4. Look for a plan with a low annual maximum

Nationwide offers multiple policies, such as Whole Pet and Major Medical plans. Each offers accident and illness coverage with various annual maximums and reimbursement rates depending on which plan is selected.

Nationwide offers preferred pricing and automatic claim submission at Walmart and Sam’s Club pharmacies for members. To take advantage of this feature, bring either your written prescription (or have your vet call it in) and digital insurance card with you when shopping – then show it at checkout; this way the pharmacist will use your policy number – also known as member or participant ID – to validate eligibility and submit claims automatically.

Finding a plan with a lower annual maximum can save you money on premiums, but beware choosing too low of an annual maximum limit. If your pet develops serious medical issues during the year, coverage could run out before December. To prevent this scenario, look for plans with at least an annual maximum of $10,000 or unlimited annual maximums with up to 90% reimbursement rates for hereditary and congenital conditions (such as Trupanion offers both of these features).

5. Look for discounts

Nationwide provides discounts for multiple pets and having home or auto policies through them; additional benefits can include a money-back guarantee.

This company offers three plans that provide coverage for accidents, illnesses and wellness issues in pets. Major Medical covers a percentage of vet bills after meeting an annual deductible; Whole Pet has payment limits per condition annually; while Modular can be tailored specifically to provide different levels of coverage or even alternative therapies and acupuncture treatments for each condition.

Nationwide stands out among insurers by covering an expanded variety of pets than most others, including rabbits and guinea pigs that typically aren’t included. Furthermore, it offers 24/7 veterinarian helpline support as well as an expansive Frequently Asked Questions (FAQs) section on its website for customers’ inquiries and concerns. Customers also enjoy risk-free cancellation at any time with some states offering free look periods; preferential pricing is also provided at Walmart and Sam’s Club pharmacies with automatic claim submission for prescriptions by showing their digital Nationwide pet Insurance ID card at checkout!