Pet Insurance | Nationwide

Pet Insurance | Nationwide
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Pet Insurance

Nationwide pet insurance helps you cover veterinary expenses so you can provide your pets with the best care possible—without worrying about the cost.
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Here's what you need to know

Nationwide offers two plans for you to choose from: My Pet Protection® and My Pet Protection® with Wellness500.¹

 

My Pet Protection is a medical plan that offers an annual benefit of $7,500 for eligible veterinary bills related to accidents, injuries and illnesses, including emergency clinics and specialists.

 

My Pet Protection with Wellness500 offers the same protection as our medical plan, but includes coverage for preventive care. With this plan, up to $500 of the annual $7,500 benefit can be used for wellness, including checkups, flea and heartworm preventives, vaccinations, spay and neuter and more.

 

Both plans are guaranteed issuance,² have a $250 annual deductible and include medical coverage with the choice of 50% or 70% reimbursement levels.³

 

Coverage includes:

 

  • Accidents/injuries, such as poisonings and broken bones
  • Hereditary and congenital conditions
  • Common illnesses, such as ear infections and diarrhea
  • Serious/chronic illnesses, such as cancer and diabetes
  • Procedures/services, such as surgeries and X-rays
  • Prescription therapeutic diets and supplements
  • $500 wellness benefit for preventive care such as flea/tick and vaccinations¹
  • And more!

 

Nationwide offers more than great coverage. Additional perks once you enroll:

 

  • VetHelpline®
    • Unlimited access to veterinary care experts
    • Download the app and schedule a video consultation anytime 24/7
    • No additional cost to use for Nationwide pet insurance members
  • PetRxExpress®
    • Save time and money by filling pet prescriptions at participating in-store retail pharmacies across the U.S.
    • Pharmacy submits claims directly to Nationwide
    • More than 4,700 pharmacy locations
  • Petco Veterinary Services
    • Members save 10% on every visit to a Vetco Total Care Hospital or Vetco Vaccination Clinic inside Petco
    • Vetco Total Care is a full-service animal hospital offering preventive care, diagnostics and surgery
    • Vetco Vaccination Clinic offers express care for vaccinations, flea, tick and heartworm prescriptions and microchipping


Your pet is a member of your family, and you don’t want to postpone or avoid care for them because the bill will break your budget. That’s why this pet insurance option – a comprehensive plan at an affordable price – is a great solution. 

 

This coverage can be essential for any pet owner who wants to keep their pet in good health and top shape with routine visits to the vet. And it can be even more essential if your pet develops a chronic illness or is involved in a serious accident. Once you enroll, you can enjoy:

 

  • Flexibility: Plans are licensed in all 50 states
  • Savings: Receive discounts when enrolling multiple pets - up to 10%2
  • Dependability: With Nationwide, you’re backed by one of the largest and most trusted financial services companies in the world

 

When you have My Pet Protection, you have the peace of mind that comes from knowing your beloved pet can see their favorite vet and that you can afford the treatment, tests, and prescriptions they deserve to get well.

You can enroll anytime! 

How It Works

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Enroll your pet(s) in coverage 

Vet insurance icon Number two

Visit any vet, anywhere 

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Submit your claim

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Get reimbursed for eligible expenses

Your dog’s energy levels suddenly drop and he stops eating.

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Frequently Asked Questions

  • Who is the provider?

    Nationwide®

     

    Nationwide was the first company to recognize the importance of pets as valuable family members with medical care needs when they introduced pet insurance in 1982. Today, they are America’s #1 pet insurer.4 

  • Who in my family can use this program?
    While the program is only available for you to sign up through your employer, you can get quotes for all of your furry family members, birds and exotic pets, too.

  • How much does this coverage cost?
    My Pet Protection is available through your employer's voluntary benefit plan, which includes preferred pricing. Monthly premiums for new enrollments depend on your pet’s breed and age, the type of coverage selected and your ZIP code.

  • What if my employment status changes?
    Good news! If you leave or retire from your current employer, you can continue your coverage without interruption (subject to applicable law and the plan’s terms and conditions). Although payroll deduction will no longer be available, you can opt for other payment methods such as direct bank account deduction, credit card billing or home billing. Higher rates may apply. 

  • Are there other benefits included with this plan?

    Every My Pet Protection policy includes these additional benefits to maximize your value:

    • Emergency boarding and kenneling fees
    • Lost pet advertising and reward
    • Lost pet due to theft or straying
    • Mortality benefit

  • When would my coverage start?

    Applications approved between the 1st and the 15th of the month become effective on the 1st of the following month. Applications approved from the 16th through the end of the month become effective on the 1st of not the following month, but the month thereafter. 

     

    Example: 

    • May 1 approval = June 1 effective date 
    • May 16 approval = July 1 effective date

  • How do I file a claim? How does my veterinarian receive payment?

    It’s easy. Simply pay your vet bill and then send Nationwide a claim for reimbursement via mail, email or online. 

     

    Please allow 48 hours from the time you submit your claim for it to appear online.

  • What if my pet currently has an illness?
    Any illness or injury your pet had before your coverage started is called a pre-existing condition. While no pet insurer covers pre-existing conditions, the good news is that Nationwide doesn’t permanently exclude all such conditions. If you have medical records from your vet showing that your pet’s condition has been cured for at least 6 months, you may be able to get that pre-existing condition covered. 

  • Can my coverage be canceled because of how many claims I make or how old my pet gets?

    No. As long as you keep your policy continually in force (don’t let it lapse or expire), your pet cannot be dropped or your insurance canceled for any reason – including a pet’s age or the number of claims you make.

  • Do I need to provide my pet’s medical records to get this coverage?
    Not always. Sometimes medical records are needed for clarification to ensure you receive all the benefits available under your plan.

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Phone Number: 1-800-626-9011

 

 

 

 

  • Legal Disclaimers

    NOTE: Voluntary benefits are made available by the applicable vendors to employees of Trane Technologies and its affiliates through the Mercer Voluntary Benefits Program. Your participation in the Mercer Voluntary Benefits Program is completely voluntary, and Trane Technologies does not sponsor, contribute to, or endorse any service or policy offered under the Mercer Voluntary Benefits Program. Further, Trane Technologies' responsibility under the Mercer Voluntary Benefits program is limited to facilitating enrollment in the various benefits offered under the Mercer Voluntary Benefits Program and coordinating payroll deductions for premium payments. Trane Technologies does not receive any compensation for making the Mercer Voluntary Benefits Program available to its employees or for collecting and remitting premiums. If you choose to purchase a service or policy under the Mercer Voluntary Benefits Program, your contract for coverage will be with each insurance provider, and your contact for policy servicing will be with the insurance provider that participates in the Mercer Voluntary Benefits Program, not Trane Technologies.

     

    Pet insurance products underwritten by Veterinary Pet Insurance Company (CA), Columbus, OH; National Casualty Company (all other states), Columbus, OH. Agency of Record: DVM Insurance Agency. All are subsidiaries of Nationwide Mutual Insurance Company. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Nationwide, the Nationwide N and Eagle, Nationwide is on your side, My Pet Protection, Pet HealthZone, and VetHelpline are service marks of Nationwide Mutual Insurance Company. Third party marks are the property of their respective owners. ©2025 Nationwide.

     

     

  • Mercer's Role & Compensation
    View details of Mercer's disclosure of compensation