Pet insurance for puppies

by Nationwide®

We believe every dog deserves the best health care

See coverage options for your

Protect your puppy’s health—and your wallet—with a dog insurance plan

Select from plans that cover injuries, illnesses, and wellness care.

What is puppy insurance, and why do you need it?

What is puppy insurance first icon

The average cost of regular wellness health care over a dog’s life can range from $27,074 to $42,545.1

What is puppy insurance second icon

A typical emergency vet bill costs $2,000 to $5,000 and will likely occur at least once during a pet’s lifetime.2

From vaccinations and annual check-ups to unexpected accidents or illnesses, your kitten’s health care costs can really add up.

  1. People’s Dispensary for Sick Animals 2017 survey
  2. MoneyUnder30.com, True Cost of Pet Ownership

More coverage for your puppy than you’ll find anywhere else

With nearly four decades of experience protecting puppies and dogs of all ages, we know that coverage counts. Compare us to other pet insurance companies and you’ll understand why.

Every Nationwide pet insurance member enjoys:

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.

Luckily, we had Nationwide insurance, because in total [Lucy’s dental surgery] cost $3,000 and we were able to get about $2,500 back.

- Elaine, pet parent of Lucy

Puppies Insurance Health Wellness Head Image Image

Health & wellness for puppies

This life stage is full of fun and adventure. Be mindful of your puppy’s tendency to chew on everything and their clumsy, high-energy antics (that are oh-so-cute!).

FAQs about pet insurance

The monthly premium for a puppy insurance plan depends on the type of coverage selected but starts at around $16/month.

As a pet parent, you want to make sure providing the best care possible for your puppy doesn’t become a financial burden. Pet insurance policies reimburse you for your pet’s medical care so you can focus on keeping your puppy healthy—not on what it costs.

It’s a good idea to enroll your puppy in a pet insurance plan as early as possible, before chronic conditions develop, or your dog needs any medical care that could put limitations on your coverage. If you have an upcoming veterinary appointment, make sure you factor in the waiting period before coverage begins.

Unfortunately, pet insurance companies don’t generally cover pre-existing conditions. However, Nationwide does allow members to request reviews of pre-existing conditions that have been cured, in which case an exception may be added so the condition would be covered.

The annual limit depends on the pet health insurance coverage you select for your dog. See your policy documents for details.

A lot of pet insurance companies have come and gone. The key to picking one you can count on is stability and experience. Some insurance companies pay to use the names of well-known organizations. With Nationwide, what you see is what you get: one of the largest and most trusted financial services companies in the world.

Puppies need a lot of vaccinations and tend to get into lots of trouble. Pet insurance policies reimburse you for your dog’s veterinary care—including medical costs for accidents and illnesses and even wellness care. With Nationwide, you’re free to use any licensed veterinarian.

Prescription food is covered under certain plan types or can be added to other plans with the purchase of an optional rider. Call our sales team to learn more about prescription food coverage options.

Yes, depending on the type of coverage you select.

You’re free to use any licensed veterinarian, including specialists and emergency providers.

Wellness coverage for routine care is available, including physical exams, vaccinations, flea/tick preventives and more.

The amount of coverage you choose depends on your budget and your pet’s breed. Factors to consider include how much medical care is typical for your pet’s breed, and whether you want wellness coverage for expected costs like checkups and vaccinations.

You can change your coverage during the annual policy renewal period. Some changes to your insurance may need to be reviewed by underwriters.