Dog insurance plans
by Nationwide®
We believe every dog deserves the best health care
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Our puppy and dog insurance plans cover accidents, illnesses, and wellness. No matter your needs, you can choose the best coverage for you and your dog.
More coverage for your dog than you’ll find anywhere else
With nearly four decades of experience protecting dogs, we know that coverage counts. That’s why we offer the best coverage for the best value.
Protect your dog’s future
Having pet insurance for your dog isn't just about covering costs—it's about peace of mind. When your dog needs medical attention, the last thing you want to worry about is a hefty vet bill. Nationwide pet insurance can help you manage the costs so you can focus on getting the care your pet needs. Whether it's an unexpected accident or a sudden illness, your dog's health is our top priority. Choosing our pet insurance coverage allows your dog to get the care they need without putting financial strain on your family.
Managing the cost of vet treatments
Dealing with common pet health issues can hit your wallet hard. For instance, treating a simple ear infection can cost on average $250. If your dog breaks a bone, you could be looking at bills anywhere from $200 to $5,000, depending on the severity. Then there's stomach trouble—if your pet swallows something they shouldn't, surgery alone might set you back as much as $2,000.** With Nationwide's health insurance for dogs, your focus is your pet's health, not the bills that come along with it.
Important Disclosures: Some exclusions may apply. For example, certain coverages may be excluded due to pre-existing or chronic conditions, or hereditary or congenital disorders. Other exclusions may apply. Please refer to the exclusions section of the policy for more information. Coverage limitations from waiting periods, deductibles, coinsurance, or policy limits may also apply. Premiums may increase at renewal based on various factors like a pet’s age, breed, location, or claim history depending on the plan selected. Wellness plans not available in all states.
Reimbursement example reflects Modular Plan Accident, Illness and optional Congenital & Hereditary rider as well as the optional Cruciate rider added after the first year of coverage, with $5,000 annual limit for each category, 80% reimbursement, and a $250 annual deductible. This plan may not be available in all areas. Pre-existing conditions are not covered. Veterinary bill amount is based on expenses incurred in the first 30 days after initial diagnosis.
[1] Rate based on a 1 year old mixed (Medium 21-50lbs) dog in 60615 (Chicago, IL) for the Modular Pet Insurance plan with Accident only coverage, $5,000 annual limit with 80% coinsurance and $250 annual deductible.
**Based on Nationwide 2024 claims data
What's not covered
While Nationwide dog insurance provides extensive coverage, there are a few things that aren't covered. Understanding your plan's limitations can help you and your family prepare for any potential out-of-pocket expenses and set an appropriate expectation for what your insurance plan covers. Nationwide pet insurance does not cover the following
- Pre-existing conditions
- Waste disposal
- Boarding
- Grooming
- Expenses not directly related to Veterinary services
As pet lovers, we understand that it can be frustrating to discover that not everything is covered. We work to limit our exclusions as much as possible while keeping insurance costs low. See a full list of exclusions or refer to your policy for further information.
Customizable Plans to Fit Your Needs
Nationwide allows you to customize your dog insurance coverage so you can have a plan that fits your needs and your budget.
Annual Deductible for Dog Care
Choose your annual deductible from $250, $500, and $1,000 options. Paying a higher deductible will help you pay less for pet insurance.
Dog Care Reimbursement
Select a lower reimbursement percentage and pay a lower premium.
Preventive Care Add-On for Dogs
Save money on preventive care like annual exams, vaccinations, and flea/tick prevention.
Annual Maximum for Dog Coverage
Enroll with a lower annual limit and pay less for your pet insurance.
How Does Dog Insurance Work?
Managing a health scare for your pet is stressful. Nationwide’s dog insurance allows you to concentrate fully on your pet's health and treatment.
Visit Any Specialist
At the first sign of health issues, bring your dog to any licensed veterinarian anywhere in the world.
Submit Your Claim
Once your dog has been treated, simply access Nationwide’s online portal to submit the paid vet invoice and any relevant treatment details.
Receive Reimbursements
Nationwide efficiently processes insurance claims ensuring that reimbursements for costs covered under your policy are delivered promptly.
Comprehensive Coverage, Everywhere
With Nationwide pet insurance, you're covered everywhere you go. Whether you're sticking with your trusted vet or need a specialist or ER, have questions, big or small, or want preferred pricing on prescription drugs with automatic claims submissions, Nationwide has it all.
Every Nationwide pet insurance member enjoys:
Always There Pet CareSM
Use any vet, anywhere
24/7 VetHelpline® access
Unlimited pet advice
Nationwide PetRxExpressSM
Save money on pet meds
Nationwide PetRxExpressSM
Save money on pet meds
Preferred pricing plus convenient automatic claims for pet prescriptions filled at in-store Walmart or Sam’s Club pharmacies.
Bring a written prescription to your local Walmart or Sam’s Club or have your vet call it in
Show your digital pet insurance ID card at checkout (available at my.petinsurance.com after sign up)
Save on pet meds and enjoy the convenience of having your claim automatically submitted
Discover the right health insurance coverage for your dog, cat or exotic pet with Nationwide
Everything was covered. All of it, no questions. No hesitation. We submit the claims ... Nationwide takes care of us, and we couldn't be happier.
- Eric and Wynn, pet parents of Wile E.
Health & wellness for adult dogs
This life stage is about settling into routines. You usually know what to expect with your dog—but they can still make you laugh with those random bursts of puppy energy. Keep up with their health and wellness to help mitigate future illnesses.
Frequently asked questions
It’s a good idea to enroll in pet health insurance for your dog as early as possible, before chronic health conditions develop, or your dog needs any medical care that could put limitations on your coverage.
Yes, we offer canine health insurance for dogs at any stage of life.
The annual limit depends on the pet health insurance coverage you select for your dog. See your policy documents for details.
Nationwide offers plans with deductible options. Most of our pet families choose a $250 annual deductible.
Depending on the type of coverage you select some genetic conditions may be covered, as long as they are not pre-existing conditions.
The amount of coverage you choose depends on your budget and your dog’s breed. Make sure you keep health problems typical of your dog's breed in mind when choosing a pet health plan.
You can change your coverage during the annual policy renewal period. Some changes to your insurance may need to be reviewed by underwriters.
Nationwide pet health insurance covers the costs associated with a service dog.
Nationwide pet health insurance plans have a 14-day waiting period before coverage starts. Please refer to your policy details for the specific waiting period.
Yes. Nationwide offers cat insurance plans. You can explore our cat insurance coverage options here.