Nationwide offers two completely different plans: Whole Pet and Major Medical. We’ve broken down the details of each so you can better understand how they work and which might be best for you.
The Whole Pet Plan is a more traditional pet insurance plan that provides comprehensive accident and sickness coverage and reimburses a percentage of your vet’s bill. It provides 24/7 access to a veterinary helpline and reimburses pet owners for the following costs:
- Behavioral assessments and treatment
- chronic diseases
- congenital cases
- Dental disease
- Diagnostic tests
- emergency care
- eye disorders
- genetic conditions
- Healing and surgery
- Prescription medications and supplements
- respiratory system diseases
- Specialist visits
- Veterinary exam fee
A Nationwide Master Medical Plan is an accident and sickness plan that can be purchased on its own or with an additional wellness benefit (Major Medical with Wellness). It works differently than a traditional pet insurance policy. Reimbursement is set at a set amount for each case regardless of the cost of treatment, but clients are reimbursed 100% of their costs until this amount is reached. Like the Whole Pet plan, Major Medical includes access to a 24/7 veterinary helpline. It covers cancer, some genetic conditions, infectious diseases, and more. The Home Medical plan is usually more affordable than other Nationwide offerings.
Major Medical with Wellness offers the same coverage, deductible, and per-case benefits as a major medical policy, but also covers health screenings, vaccinations, blood work, urinalysis, and flea and heartworm prevention. However, wellness plans are not available in all states.
Birds and exotic pets plan
Nationwide is the only pet insurance company that offers policies for birds and exotic pets. Here are the pet covers nationwide along with dogs and cats:
- guinea pigs
Pricing and coverage vary depending on the species and pet’s medical history. Pet owners should contact Nationwide directly to obtain a quote or register for a policy (888-899-4874).
Exceptions at the national level
Nationally similar exceptions to its competitors, including the following:
- cosmetic procedures
- Cruciate ligament injuries (before first 12 months of coverage)
- Pre-existing conditions
- Routine care (unless you enroll in wellness benefits)
- sales tax
- trash disposal
In addition, a medical master plan excludes the following:
- Any conditions are listed as exceptions in Benefits table (eg hip dysplasia)
- Behavioral therapy
- Congenital or developmental disorders
- Prescription foods or supplements
- Some genetic conditions
- Various dental problems (such as gingivitis)
- Degeneration of vision or hearing
Pets registered in the MMP must be less than 10 years old.
Complete pet policies and major medical policies across the country have a 14-day waiting period with or without an optional wellness plan. There is also a 12-month waiting period for cruciate ligament injuries.
Nationwide does offer many customization options. The Complete Pet plan offers a choice between 50% or 70% offset. Outside of that, he has a $250 deductible and a $10,000 maximum annual payment.
The Medical Home plan does not have customization features. The withholding is $250 and each condition has a set annual limit. The Avian and Exotic plan is for each pet.
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