Nationwide provides various pet insurance plans, which cover accident, illness and wellness coverage as well as exotic species like birds and reptiles. Most new policies come with a 14-day waiting period before coverage takes effect.

Some customers report Nationwide for being an insurer with high claims-denial rates and steep premium hikes over time.

Cost

Purchase of pet insurance can help to mitigate the costs associated with routine medical care for your animal companions. When selecting a policy, ensure it has an affordable annual deductible and adequate coverage limits that fit within your budget. Furthermore, its monthly premium should fit comfortably into your monthly expenditures.

Nationwide offers three levels of pet insurance: Medical, Major Medical Plus and Wellness. Each plan comes with different coverage options, waiting periods and reimbursement rates – for instance Major Medical covers hereditary and congenital conditions that Whole Pet does not. Furthermore, Whole Pet covers cruciate ligament injuries while Major Medical only partially does.

Nationwide Pet Insurance’s premium costs depend on factors like location, breed and age of your pet. You can obtain an online quote at Nationwide’s website before purchasing one by phone or mail – you’ll also get a renewal packet 60 days before your current policy’s coverage runs out that outlines any changes to pricing or changes made to policy terms and pricing details.

Dependent upon the species of pet you own, you may wish to add optional coverage for hereditary and congenital diseases or dental disease that could cost thousands. Wellness add-on plans also exist which provide preventative care costs coverage; such plans are suitable for dogs, cats and various other species including rodents and birds.

Coverage

Nationwide provides several pet insurance plans designed to fit every budget, such as Whole Pet Accident & Illness Coverage and Wellness Coverage plans, specific plans for cats and dogs as well as multi-pet discounts and boarding benefits. Policies also cover expenses from ear infections to broken bones to cancer treatment as well as alternative therapies like acupuncture and chiropractic care provided the expense is approved by your vet.

Nationwide pet insurance costs depend on factors like location, age and the coverage options selected when signing up for coverage. All these variables will influence your monthly premium rate which in turn is impacted by deductible amounts; an example would be choosing an annual deductible of $250 will lead to lower monthly premium payments than one with $200 annually deductibles.

Many pet owners who use Nationwide Pet Insurance are satisfied with their experience; however, some have reported issues and attempted to organize boycotts against the company. Christie Keith of California who pays Nationwide premiums for two dogs named Ros and Harper says she has recently experienced difficulties with them.

Nationwide allows customers who are not completely satisfied with the coverage to cancel within a specified timeframe known as the Free Look period. Each state varies in terms of when this window opens up; Nationwide will refund your premium should you cancel during this window provided no claims were filed during that time.

Deductibles

Nationwide provides various deductible options depending on the plan you select. Some plans offer an annual deductible that, once met, triggers coverage for all covered services in that year; other deductibles apply per incident (e.g. if your pet suffers an ear infection with an associated $200 deductible fee), so payments must first be made prior to insurance taking effect.

Selecting the appropriate deductible depends on how risk-averse your budget is. Higher deductibles lower premium costs each month, but make sure they fit with your ability to cover out-of-pocket costs if an emergency arises.

Other key considerations when purchasing pet insurance policies are copays, reimbursement rates and annual coverage limits – these will determine how much money will go toward vet bills each year.

Nationwide offers more than just accident and illness coverage; its wellness care plans also cover routine veterinary expenses, like vaccinations and behavioral therapies like acupuncture. You can add this plan onto its Major Medical policy or purchase it separately; additionally it reimburses pet owners for preventive services like nail trims and microchipping – with this plan available for dogs and cats over 6 weeks old.

Claim process

Nationwide has developed an efficient process for filing pet insurance claims online and by phone. Their website features a claim form with instructions to submit expenses to be reimbursed, while managing policies online or over the phone is also possible. Their customer service representatives are always on standby should any concerns or questions arise.

Their plans offer a $250 annual deductible, 24/7 access to VetHelpline and coverage for common illnesses. Customers may add prescription food or supplements as optional add-ons; three plans – Whole Pet, Modular and Accident Only – offer different annual limits, deductibles and reimbursement rates for their coverage needs.

Modular pet insurance from this company enables you to select an annual limit between $5,000, $10,000 or unlimited options. Furthermore, it enables you to set an annual maximum in each wellness category and select either 50% or 80% reimbursement rates as reimbursement rates.

Nationwide advises its customers to complete claim forms carefully, documenting all information clearly. This can significantly decrease processing delays and increase chances of a successful claim. Furthermore, keeping tabs on each claim status by logging into your account and reviewing each individual claim can be useful. However, please allow up to 30 days for Nationwide to process a claim before following up on it with us.