Pet Insurance by Nationwide 2023: What You Need to Know
Pet insurance is a type of insurance policy that covers the medical expenses incurred when a pet falls sick or gets injured. This insurance policy is important for pet owners who want to ensure their pets receive the best possible care without worrying about the financial burden that comes with it. One company that offers pet insurance in the United States is Nationwide.
Nationwide Pet Insurance provides pet owners with the option to choose from several different levels of coverage to fit their budget and their pet’s needs. The company offers coverage for dogs, cats, birds, and exotic pets, making it a comprehensive option for any pet owner. They also offer a 24/7 veterinary helpline, which can be a valuable resource for pet owners who have questions about their pet’s health. One of the benefits of Nationwide Pet Insurance is the ease of use. Once a pet owner enrolls in the program, they can take their pet to any licensed veterinarian in the country.
There are no restrictions on which veterinarian a pet owner can use, which give pet owners peace of mind when they travel with their pets. Additionally, Nationwide Pet Insurance offers fast and easy claim processing, with many claims being processed within five business days. Another benefit of Nationwide Pet Insurance is the range of coverage options. Pet owners can choose from different coverage levels, which include accident-only coverage, basic coverage, and comprehensive coverage. Accident-only coverage provides coverage for accidental injuries such as broken bones, lacerations, and poisoning. Basic coverage includes coverage for accidents and illnesses, while comprehensive coverage includes all of the above plus coverage for hereditary and chronic conditions.
Nationwide Pet Insurance also offers several add-ons that can be included in the policy for an additional fee. These add-ons include coverage for routine care, such as vaccinations and annual checkups, as well as coverage for alternative therapies such as acupuncture and chiropractic care. One potential drawback of Nationwide Pet Insurance is the cost. Pet owners must pay a monthly premium based on their chosen coverage level and the age, breed, and health of their pet. The cost can be high for some pet owners, especially for those with multiple pets. However, the cost of the insurance policy may be worth it in the long run if a pet experiences a serious illness or injury.
Nationwide Pet Insurance offers several different coverage options for pets, including dogs, cats, birds, and exotic pets. Here are some of the coverage options available:
- Accident-Only Coverage: This coverage includes protection for accidents such as broken bones, lacerations, and poisoning. It is the most basic and affordable coverage option.
- Basic Coverage: This option includes protection for accidents and illnesses, including coverage for diagnostic testing, surgeries, and hospitalization.
- Major Medical Coverage: This is an upgrade from Basic coverage and includes additional coverage for serious illnesses like cancer, kidney disease, and chronic conditions.
- Whole Pet with Wellness Coverage: This is the most comprehensive coverage option available and includes coverage for accidents, illnesses, and wellness care. It also includes preventative care such as vaccinations, annual exams, and flea/tick prevention.
Nationwide Pet Insurance also offers add-on coverage options that can be included with the policies for an additional fee, such as:
- Pet Wellness: This add-on covers routine wellness exams, vaccinations, and preventative care.
- Pet Owners Assistance: This add-on offers coverage for services like lost pet recovery, travel reimbursement, and third-party damage.
- Pet Alternative Care: This add-on covers alternative therapies like acupuncture, chiropractic care, and physical therapy.
- Pet Dental: This add-on provides coverage for dental procedures, cleanings, and extractions.
Overall, Nationwide Pet Insurance offers a wide range of coverage options for pet owners. It’s important to read through the policy details and discuss coverage options with a representative to ensure the policy meets your pet’s needs.
Basically, the premium for Nationwide Pet Insurance can vary based on several factors, including the type of pet, age, breed, and the level of coverage selected. On average, the monthly premium for a Nationwide Pet Insurance policy can range from $30 to $70, but this can vary depending on the factors mentioned above.
For example, a younger and healthier pet may have a lower monthly premium compared to an older pet or a pet with pre-existing conditions. The coverage level selected can also impact the premium, with more comprehensive coverage options generally having a higher premium. Nationwide Pet Insurance also offers discounts for certain situations, such as enrolling multiple pets, having a microchip in the pet, and being a member of certain organizations. These discounts can help reduce the monthly premium.
It’s important to note that while the monthly premium for Nationwide Pet Insurance may seem high, it can be worth the cost in the long run if a pet experiences a serious illness or injury. Having pet insurance can provide peace of mind for pet owners knowing that they can provide the necessary medical care for their pet without worrying about the financial burden. It’s always a good idea to compare policies and premiums from different pet insurance providers to find the best coverage for your pet at a price that fits your budget.
In conclusion, pet insurance is an important investment for pet owners who want to ensure their pets receive the best possible care. Nationwide Pet Insurance offers a comprehensive range of coverage options for pets of all types, as well as fast and easy claim processing. While the cost may be high for some pet owners, the benefits of having pet insurance can outweigh the cost in the event of a serious illness or injury.