Nationwide
Modular Pet Insurance
Build-your-own coverage from accident, illness and optional modules (hereditary, cruciate, wellness) — exam fees included.
$$ Mid-rangeAccident & illness
- Reimburses
- 50/70/80%
- Annual limit
- $5,000
- Deductible
- Annual
- Exam fees
- Covered
- Accident wait
- 14 days
- Illness wait
- 14 days
Sample monthly cost
from $13 — 2-year-old medium mixed-breed dog, Chicago, accident-only moduleNationwide's advertised starting price ($5,000 limit, 70%, $250 deductible).
- Deductible
- Annual deductible of $250, $500 or $1,000.
- Annual limit
- Limits are set per coverage module (Nationwide's own examples use $5,000 per category); confirm the options on a quote.
- Dental
- Dental conditions are covered unless signs (tartar, gingivitis, periodontal disease) were present before coverage began.
- Alternative therapy
- Acupuncture, chiropractic and similar care are covered when performed or prescribed by your vet for a covered condition.
- Wellness
- Optional wellness coverage for exams, vaccines and preventives.
- Waiting periods
- Accidents 14 days, illness 14 days, orthopedic/cruciate 12 mo. 14-day waiting period. Cruciate ligament problems that show signs during the first policy term are excluded; cruciate coverage is an optional module.
- Cured pre-existing conditions
- Pre-existing conditions are excluded; Nationwide's published terms don't describe a cured-condition exception.
- Eligibility
- No maximum enrollment age. Minimum age 8 weeks. Sold in every state.
- Multi-pet discount
- 5% for 2–3 pets, 10% for 4+
- Underwriter
- National Casualty Company (Veterinary Pet Insurance Company in California)
Good to know
- •Vet exam fees included
- •Optional hereditary/congenital and cruciate modules
- •Also insures birds and exotic pets
- •24/7 vet helpline included
Watch out for
- !Hereditary, congenital and cruciate coverage are paid add-on modules
- !Cats 8 and older can't add hereditary coverage
- !Annual limits are per module — total payouts can be lower than single-limit plans
- !No 90% reimbursement option found on Nationwide's current pages