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What’s Covered by Pet Insurance?

What’s covered by pet health insurance? If you’re looking to reserach pet insurance coverages, you can research Nationwide pet insurance here

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Quote & Buy Online

You may be able to save 5% on a Nationwide Pet Health Insurance, and an additional 5% when insuring more than one pet.2

Rather speak with an insurance agent? Call us: (877) 334-7646

Explore Pet Insurance Coverage

Want to know what’s covered by pet insurance, youre in the right place. Take a look at the types of conditions that are typically covered by pet insurance? See what is commonly covered and learn more about how our pet insurance plans provide reimbursement.

Accident Coverage

Provides reimbursement for things like:

  • Broken bones
  • Hit by a car
  • Poisoning
  • Heatstroke
  • Foreign body ingestion
  • Lacerations
  • Animal attack
  • Snakebites

Includes coverage for X-rays, MRIs, medications, surgeries, and more. $5,000 annual maximum for each category. Pre-existing conditions are not covered.

Accident Covearge Example
Reimbursement example:

80% reimbursement is shown after the annual deductible has been met. For more details, see our accident-only pet insurance page.

Illness CoverageIllness Coverage

Illness coverage reimbursement examples:

  • Ear Infections
  • Vomiting
  • Diarrhea
  • Skin Infection
  • Allergies
  • Arhtritis
  • Heart Disease
  • Cancer

Includes coverage for X-rays, MRIs, medications, surgeries, and more. $5,000 annual maximum for each category. Pre-existing conditions are not covered.

Illness Coverage Example
Reimbursement example:

80% reimbursement is shown after the annual deductible has been met. For more details, see our accident-only pet insurance page.

Illness CoverageWellness Coverage

Select a condition for reimbursement examples:

  • Annual Physical Exam
  • Vaccination and Titer
  • Microchipping
  • Skin Infection
  • Fecal Test
  • Flea Control or Heartworm Prevention
  • Health Screen

Details about preventive care can be found on Nationwide’s preventive pet insurance page

Wellness Coverage Example
Reimbursement example:

Reimbursement shown based on the Level 1 wellness rider benefit schedule allowance.

Pet Insurance Quote

Quote & Buy Pet Insurance Online Today

Start a pet insurance quote today & be prepared for that next unexpected, expensive vet bill. We make it fast, safe, and secure.

Call 1-877-334-7646 to speak with an insurance specialist.

What’s Not Covered by Pet Insurance?

At IronPoint, we want vet care to be within reach for as many pets as possible. That’s why we selected Nationwide; they keep exclusions limited.

However, like every pet insurer, not everything is going to be covered. This especially applies to pre-existing conditions—those illnesses or injuries that began before your policy start date. Care for those conditions isn’t covered unless it’s fully cured.

  • Pre-Existing Conditions
  • Waist Disposal
  • Boarding & Grooming
  • Taxes
  • See Your Policy for Full List

Additional Coverage Benefits

Always There Pet Care Always There Pet CareSM

Care that travels with you—broad access to licensed vet hospitals and real help when it counts.

  • See any licensed veterinarian
  • Visit specialists and emergency clinics
  • Your coverage follows you wherever you travel

24/7 vethelpline® access 24/7 VetHelpline®

Unlimited, 24/7 virtual vet support—answers on your phone when you need them most.

  • Ask about symptoms, meds, nutrition or behavior
  • Connect with licensed veterinary professionals
  • Get practical guidance anytime, anywhere
Quote & Buy Pet Insurance Online

Nationwide PetRxExpress PetRxExpressSM

Save on pet prescriptions when you fill at Walmart or Sam’s Club pharmacy counters.

  • Automatic claim submission—no extra forms
  • Discounted pricing on eligible pet medications
  • Thousands of convenient locations nationwide