Nationwide offers two levels of pet coverage. Their Whole Pet plan covers 90% of vet expenses associated with accidents and illness with an annual $250 deductible, but excludes waste removal, grooming services, boarding services, taxes, routine care services as well as breed-specific conditions.

The Major Medical Plan excludes certain hereditary and congenital conditions and has a 12-month waiting period for cruciate ligament injuries, while also offering lower reimbursement rates than many other providers.

Whole Pet Plan

Nationwide’s Whole Pet Plan offers comprehensive pet insurance coverage on the market. This accident and illness plan covers an extensive list of medical expenses such as hereditary and congenital conditions, prescription medications, supplements, behavioral therapies and alternative therapies like acupuncture – but does not cover services provided at veterinary spas such as boarding, grooming, taxes waste disposal fees or pet sitting costs.

The company’s Major Medical plan offers reduced accident and illness coverage, yet still covers hereditary and congenital conditions. After fulfilling its $250 deductible, this plan reimburses up to an annual maximum for vet bills; dental care, medication and supplies are covered; but wellness/preventive care plans must be purchased separately.

Nationwide utilizes multiple approaches to calculate monthly premiums for its pet health insurance policies, including factors like breed and ZIP code of their insured animals. Unlike many of its competitors, however, Nationwide will never increase a pet owner’s policy rate without good cause; such as age-related conditions. They notify pet owners well in advance if their rates change and even permit them to continue seeing their preferred veterinarian.

Major Medical Plan

The Major Medical Plan covers injuries and illnesses, and wellness coverage for preventive care can be added as an add-on. It will reimburse a percentage of vet bills including exams, tests, treatments and alternative therapies such as acupuncture; medication, nutritional supplements and alternative therapies like acupuncture may also be covered; however routine exams, heartworm prevention or nail trims will not be covered under this policy. Pre-existing conditions must have been addressed within six months from policy inception date in order for coverage.

Coverage limits should also be a primary concern when selecting a pet insurance policy. Nationwide offers several plans, such as Whole Pet and Modular, that feature annual limit options as well as deductible options and maximum coverage amounts per condition.

The company provides unique exotic pet coverage that’s not available elsewhere. Their policy can cover reptiles, rodents, birds, and small mammals – though be mindful that insuring these pets tends to cost more.

Nationwide’s policies are highly cost-competitive when compared to similar providers. Their comprehensive package provides coverage with annual limits that most pet owners opt to pay. Customer service can be reached via email, phone and snail mail; furthermore they offer an FAQ section on their website for added assistance.

Modular Plan

Nationwide offers both accident and illness plans as well as wellness packages or plans, which require different waiting periods before coverage kicks in; it lists these waiting periods on its website for each plan.

Before your insurance covers claims, usually an annual deductible must be met. This deductible could range anywhere from $100-250 depending on your policy’s options and coverage choices; most pet owners typically opt for $250.

Nationwide policies cover most veterinarian services, from routine exams and diagnostic tests, through prescription drugs to alternative therapies such as acupuncture and chiropractic treatments. Unfortunately, certain services such as hereditary conditions, cleft palates or heart disease may not be covered; furthermore some policies also exclude breed-specific health problems like hip dysplasia as not being covered.

Pumpkin provides plans with an outstanding reimbursement rate: 90%! Their plans offer full reimbursement on covered vet bills.

The company provides a 24-hour vet helpline staffed by veterinarians that provides wellness advice or assess whether your pet requires immediate veterinary treatment. You can also call this helpline for help filing claims or answering queries about policies.

24/7 Vet Helpline

Are You Wondering What To Do in Case of Pet Emergencies at Midnight? Don’t wait until morning as that can empty your wallet at an emergency vet’s. Here are three steps that might help.

Find an insurer offering 24/7 veterinary care with online chat feature, and you can gain expert advice at a fraction of the cost of traditional visits to a veterinarian. Telemedicine consultations cost PS28 each, enabling you to identify over 160 conditions quickly and make recommendations accordingly.

Finding an insurance provider with a swift claims process is essential in an emergency situation, so find a provider with one annual deductible rather than per-claim deductibles and speedy reimbursements. Furthermore, opt for one offering additional protection for exam fees as an add-on plan.

Embrace Pet Insurance offers comprehensive emergency plans for cats and dogs starting from under $10 a month, with quick claims processing timeframes that average five days or less – an industry leader! In addition to comprehensive accident and illness plans, it also provides an optional supplement policy covering chronic illnesses – something no other insurance provider offers! This could prove especially valuable if your pet suffers from frequent ailments.