• Payout limits are based on each condition so it can be tricky to figure out exactly how much you'll be covered for.
  • Nationwide won't take dogs under a year for their best program, not recommended for puppies.

Policy Coverage

  • Accidents and illnesses.
  • Surgeries and hospitalization.
  • Prescriptions.
  • Chronic conditions.
  • Wellness exams and tests (if Wellness Plan is purchased).
  • Flea/heartworm prevention.
  • Vaccinations


  • Pre-existing conditions.
  • Hereditary disorders.
  • Congenital anomalies or developmental disorders.
  • Wellness, routine and preventive care (unless a Wellness Plan is purchased)
  • Cruciate ligament injuries within first 12 months of coverage.
  • Additional excluded conditions identified on the declarations page or renewal certificate of your policy.

Other things to know...

  • Claims processing time: up 30 days
  • No age restrictions or maximum benefit.
  • Offer 3 different plan types: whole pet with wellness (Best), major medical, pet wellness. (Please note, the plan we show is whole pet with wellness).
  • 12-month waiting period for CCL (ACL) surgery for Major Medical plan.
  • 14-day waiting period for Whole Pet with Wellness and Major Medical plans.
  • 24-hour waiting period for Pet Wellness plan.
  • Track claims in real-time online, and submit them through your smartphone.
  • Does not cover your pet if they travel outside the U.S. with you.