Pet Insurance


Pet insurance helps you cover veterinary expenses so you can provide your pets with the best care possible without worrying about the cost.

Nationwide offers 2 levels of pet protection. You get either 50% or 70% cash back on eligible vet bills. All plans have a $250 annual deductible and a $7,500 annual maximum benefit.

You can use any vet, anywhere. So there are no networks and no pre-approvals.

Who is Eligible and When

All Associates are eligible to enroll their cats, dogs or exotic pets. Unlike other benefits, enrollment in Pet Insurance can be done anytime, not just during Open Enrollment! Enrollment can be complete through the Nationwide website (

What is Covered?

We offer nose-to-tail coverage for:

  • Accidents, including broken bones, sprains, lacerations and poisoning
  • Illnesses, including allergies, ear infections, arthritis and cancer, and more

How to file a claim

Simply pay your vet bill and then send us a claim for reimbursement via mail, email or online.

  • Mail: Nationwide Claims Dept., P. O. Box 2344, Brea, CA 92822-2344
  • Email: [email protected]
  • Online: Submit claims through your Nationwide Pet Account Access page at Please
    allow 48 hours from the time you submit your claim for it to appear online.

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New Medical cards can be ordered through your online portal at You also have access to a mobile ID card through the MyCigna Smartphone App.

Do I need to re-enroll for this benefit every year?

No. Once enrolled, the policy will renew automatically each year.

How can I make changes to my policy?

You can make changes to your policy during your policy renewal period. All changes are subject to underwriting approval.

When is the policy renewal period?

The renewal period starts 60 days before the policy’s current 12-month term expires. The policy’s effective date and expiration date can be found on the Declarations Page, which is included with the policy packet that is mailed to you at each new term.

Will pre-existing conditions be covered?

Unfortunately, no. Like all pet insurers, we don’t cover pre-existing conditions on any of our plans.

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Can I still use my vet?

Absolutely. You’re free to visit any licensed veterinarian, anywhere in the world—even specialists and emergency providers.

If I have a pet other than a dog or cat, can I enroll?

Yes! If you want coverage for your bird, rabbit, reptile or other exotic pet, you’ll find it only with Nationwide. To enroll in the Avian & Exotic Pet Plan, please call 877-738-7874.

What is vethelpline® and how does it work?

Veterinary professionals are available 24/7 through vethelpline, a service provided exclusively for Nationwide pet insurance members. You can get live help with any pet health concern, including identifying urgent care needs. Please note, a vethelpline consultation is not a substitute for a visit to your primary veterinarian.

What happens to my pet insurance policy if I am no longer with the company?

You will be notified and asked to update billing information in order to keep the policy active.