You work hard to provide your family with everything they need. So, whether your family includes kids with two feet or kids with four paws, two wings or scaly feet—you know what responsibility looks like.
My Pet Protection® from Nationwide® helps you provide your pets with the best care possible by reimbursing you for eligible vet bills. You can get cash back for accidents, illnesses, hereditary conditions and more. We’re also the first provider in the U.S. to cover birds and exotic pets. Choose 50% or 70% reimbursement for the level of coverage that fits your needs.*
You’re free to use any vet and your coverage includes benefits for emergency boarding, lost pet advertising and more. Plus, our 24/7 vethelpline® is included as a service to all pet insurance members ($110 value).
Answers about the plan, including eligibility, options, enrollment, customer service and more.
Who is the provider?
Nationwide pet insurance, formerly Veterinary Pet Insurance, was the first company to recognize the importance of pets as valuable family members and had similar care needs. That’s why it was the first company to introduce pet insurance, in 1982.
My Pet ProtectionSM plans from Nationwide® offer best-in-show coverage for vet bills, choose 90%, 70% or 50% reimbursement for accidents, illnesses and much more.*
How can this help me?
Nationwide believes all pets deserve to live life to the fullest but also understands every family’s situation is different. That’s why it offers you these two options to choose from:
1: My Pet ProtectionSM (choose 90%, 70% or 50% reimbursement on vet bills)*
2: My Pet ProtectionSM with Wellness (choose 90%, 70% or 50% reimbursement on vet bills)*
My Pet Protection covers so much, it's easier to tell you what's not covered.
Who is eligible?
Everyone is eligible to receive preferred pricing on America’s #1 pet insurance!
When can I enroll?
ANYTIME! Most policies have 14-day waiting periods once your application is approved and payment is received.
How much will this coverage cost?
Thanks to your employer’s group rates, you’ll pay less for this coverage than you would for individual coverage you’d find on your own. Click “Get a Quote” and based on the information you provide, you can receive an immediate quote.
How do I pay for coverage?
You can choose to pay Nationwide directly or have your premium deducted from your paycheck. Nationwide Pet does not require a down payment (first two months of premium) or any additional fees for choosing payroll deduction.
When stopping a payroll deduction, there is often a transitional period when premiums sent from an employer have not yet been posted to employee policies, even though deductions may have already come out of your paycheck. When you switch to direct bill, any money received from your employer after the switch will be applied to your future monthly payments. If you are paying for the remainder of the year in full, any money received from your employer will be refunded directly to you. A refund may take up to 4-6 weeks to be processed and received.
If I leave my employer, will I be able to keep my coverage?
When you leave or retire from your current employer, you can continue your coverage without interruption, subject to applicable law and the policies' terms and conditions. Although payroll deduction will no longer be available, you can opt for other payment methods such as direct bank account deduction, credit card billing or home billing. Higher rates may apply.
What if I’m already enrolled in the Pet plan with Nationwide and paying directly, can I be set-up on payroll deductions?
Yes, you will need to contact Nationwide directly at 1-877-738-7874 and talk with a representative to be set-up under the Cox Enterprises plan for payroll deductions. It can take up to 2-3 paychecks before you see the first deduction on your paycheck.
Can I use my current veterinarian or do I have to find one in a “network?”
With Nationwide, you have the freedom to use your choice of veterinarian (no pre-approval necessary) worldwide, including specialists and emergency providers.
Once I enroll, how long before my policy is effective?
Most policies have 14-day waiting periods once your application is approved and payment is received. If you're paying by payroll deduction, please contact your employer's benefits administrator for details on effective dates.
What if my pet currently has an illness?
That’s a pre-existing condition, which is any illness or injury your pet had before coverage started. While no pet insurer covers pre-existing conditions, the good news is that Nationwide doesn’t permanently exclude all such conditions. If you have medical records from your vet showing that your pet’s condition has been cured for at least six months, you may be able to get it covered.
Will you drop a pet from coverage because of age?
Never. As long as your pet is enrolled before age 10 and you keep your policy continually in force (translation: don’t let it lapse or expire), your pet will not be dropped.
Are medical records required for enrollment?
Not always. Sometimes medical records are needed for clarification to ensure you receive all the benefits available under your plan.
Does my pet insurance policy cover diagnostic testing?
Yes. Diagnostic tests are reimbursed as long as your policy covers the medical condition.
Are anterior cruciate ligament (ACL) injuries covered by my policy?
Nationwide covers ACL injuries that are diagnosed after you’ve had your policy for 12 consecutive months. And unlike many other pet insurers, both knees are covered.
Are prescriptions covered under my policy?
Yes. FDA-approved prescriptions for covered medical conditions are eligible for reimbursement.
How do I file a claim?
File a claim in just two easy steps.
1. Pay your veterinarian at the time of treatment.
2. Submit your claim via fax, email or your Nationwide Pet Account Access page at my.petinsurance.com.
We take it from there. We’ll process your claim and send your reimbursement right away.
How does my veterinarian receive payment?
You pay your veterinarian directly and then submit a claim to Nationwide. Nationwide will adjust your claim and reimburse you according to your plan.
What is vetHelplineSM and how does it work?
vetHelplineSM is a service for all our members. Live veterinarians are available 24/7 to answer general pet questions and help identify urgent care needs. A vetHelplineSM consultation is not a substitute for a visit to your primary vet.
I recently adopted another pet and would like to add him to my Pet Insurance Policy. Who do I contact?
*Some exclusions may apply. Certain coverages may be excluded due to pre-existing conditions. See policy documents for a complete list of exclusions.
**Discount on base plans only and may vary by state.
Products underwritten by Veterinary Pet Insurance Company (CA), Columbus, OH; National Casualty Company (all other states), Columbus, OH. Agency of Record: DVM Insurance Agency. All are subsidiaries of Nationwide Mutual Insurance Company. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Nationwide, the Nationwide N and Eagle, and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company. ©2022 Nationwide.