Buyer’s guide

This step-by-step guide will help you make a smart decision when buying pet insurance for your dog or cat.

Decide what kind of coverage you want for your pet

Choose a complete care plan or dial up or down your coverage preferences to meet your pet’s specific needs.

  • A bandage

    Accident

    Get coverage for your pet’s accidents & injuries

  • A plus icon

    Illness

    Be ready if your pet becomes sick

  • A heart

    Wellness

    Stay up to date with your pet’s health checks

See what’s coveredSee what’s covered

Understand the reimbursement process

Pet insurance requires you to pay for the treatment upfront, then get reimbursed for your expenses. Depending on your plan type, you may be reimbursed a percentage of the vet bill, or according to a pre-determined benefit allowance, or a benefit schedule. Nationwide makes the claims process simple and easy, and even allows you to get your reimbursement directly deposited into your bank account.

  • Older Dogs Insurance How Pet Insurance works for older dogs List Visit your vet Icon

    Visit your vet

    Visit any vet, including specialists and emergency providers.

  • Older Dogs Insurance How Pet Insurance works for older dogs List Submit your claim Icon

    Submit your claim

    Submit a claim along with your paid invoice.

  • Older Dogs Insurance How Pet Insurance works for older dogs List Get reimbursed Icon

    Get reimbursed

    Receive reimbursement for eligible vet expenses.

Look at both price and value

Weigh what you’re paying against what you’re getting. With Nationwide you’re getting more value than with any other insurer. Every Nationwide member enjoys 24/7 access to veterinary professionals, discounts on pet medications from major pharmacies, and more.

Always There Pet CareSM

Use any vet, anywhere

Always There Pet CareSM

Use any vet, anywhere

We’re with you everywhere you go, from universal vet hospital coverage to 24/7 live pet health advice.

Use your own vet

Already have a licensed veterinarian you know and trust? With Nationwide, you can keep seeing your preferred vet.

Visit any specialist or ER

Your coverage works the same no matter where you go. There are no networks or pre-approvals to worry about.

Take your policy anywhere

Traveling with your pet? No problem. Whether in the U.S. or abroad, you’re free to visit any licensed veterinarian, anywhere.

VetHelpline®

Unlimited, 24/7 virtual pet telehealth

VetHelpline®

Unlimited, 24/7 virtual pet telehealth

Unlimited, 24/7 virtual veterinary support for everything from general pet questions to potential urgent care needs.

Friendly, expert advice

All of our veterinary professionals are based in the U.S. and have years of clinical experience.

Ask anything, anytime

Guidance on everything from general questions to identifying urgent care needs—because early detection is crucial for preventing small problems from becoming big ones.

Get expert guidance

Speak with a veterinary professional over a video call and get a follow-up email for your records. If your pet needs extra care, we'll help you find a nearby clinic.

VetHelpline is available to all pet owners.

VetHelpline is not a substitute for a visit to your primary veterinarian.

Nationwide PetRxExpress®

Save money on pet meds

Nationwide PetRxExpress®

Save money on pet meds

Preferred pricing plus convenient automatic claims for pet prescriptions filled at in-store Walmart or Sam’s Club pharmacies.

More coverage Member Enjoys Nationwide PetRxExpress Content Col 1 Image

Bring a written prescription to your local Walmart or Sam’s Club or have your vet call it in

More coverage Member Enjoys Nationwide PetRxExpress Content Col 2 Image

Show your digital pet insurance ID card at checkout (available at my.petinsurance.com after sign up)

More coverage Member Enjoys Nationwide PetRxExpress Content Col 3 Image

Save on pet meds and enjoy the convenience of having your claim automatically submitted

Get a quote for your petGet a quote for your pet

Look at the company’s track record for dependability

Nationwide logo

A lot of pet insurers have come and gone. The key to picking one you can count on is to go with the company that has the most stability, experience and recommendations.

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See the Nationwide differenceSee the Nationwide difference

America's favorite pet insurer and #1 choice for pet parents for more than four decades