Pet Insurance

Pet Insurance


You work hard to provide your family with everything they need. So, whether your family includes kids with two feet or kids with four paws, two wings or scaly feet—you know what responsibility looks like.


My Pet Protection® from Nationwide® helps you provide your pets with the best care possible by reimbursing you for eligible veterinary bills.¹ Available in two reimbursement options (50% and 70%) with an optional $500 wellness benefit, you can get cash back for accidents, illnesses, hereditary conditions and more.²


We’re also the first provider in the U.S. to cover birds and exotic pets. You’re free to use any veterinarian, and your coverage includes added benefits for cats and dogs, such as emergency boarding, lost pet advertising and more. Plus, our 24/7 vethelpline® is included as a service to all pet insurance members.




Our fast and easy enrollment process means you can start protecting your pet sooner.

How It Works

Our one-page claim form makes filing a claim and getting reimbursed simple. Plus, you can track your claim online through the Nationwide Pet Account Access Page.

 M-F 6a-3p PT


Answers about the plan, including eligibility, options, enrollment, customer service and more.

  • Who is the provider?

    Nationwide pet insurance, formerly Veterinary Pet Insurance, was the first company to recognize the importance of pets as valuable family members and had similar care needs. That’s why it was the first company to introduce pet insurance, in 1982.


    My Pet Protection® from Nationwide® offers best-in-show coverage for eligible vet bills, choose 50% or 70% reimbursement for accidents, illnesses and much more.*

  • How can this help me?

    Nationwide believes all pets deserve to live life to the fullest but also understands every family’s situation is different.


    My Pet Protection® (choose 50% or 70% reimbursement on eligible vet bills)*

    • Accidents and illnesses
    • Hereditary and congenital conditions
    • Cancer
    • Dental diseases
    • Behavioral treatments
    • Rx therapeutic diets and supplements
    • A low $250 deductible.
    • Maximum annual benefit $7,500


    My Pet Protection covers so much, it's easier to tell you what's not covered.

  • Who is eligible?

    Everyone is eligible to receive preferred pricing on America’s #1 pet insurance!
  • When can I enroll?

    ANYTIME! Most policies have 14-day waiting periods once your application is approved and payment is received.
  • How much will this coverage cost?

    Thanks to your employer’s group rates, you’ll pay less for this coverage than you would for individual coverage you’d find on your own.  Click “Get a Quote” and based on the information you provide, you can receive an immediate quote.
  • If I leave my employer, will I be able to keep my coverage?

    You will be notified and asked to update billing information in order to keep the policy active.
  • Can I use my current veterinarian or do I have to find one in a “network?”

    With Nationwide, you have the freedom to use your choice of veterinarian (no pre-approval necessary) worldwide, including specialists and emergency providers.


    • Flexibility: Nationwide’s plans are licensed in all 50 states.
    • Savings: Receive discounts when enrolling multiple pets - up to 10%.**
    • Extras: Through vethelpline®, you receive live veterinarian guidance 24/7 about your pet’s health, from general questions to identifying urgent care needs. In addition, you enjoy discounts on pet products and services, a newsletter, online support and more.
  • Once I enroll, how long before my policy is effective?

    If an employee enrolls between the 1st – 15th of the month, their effective date of coverage will be the first of the following month. Example: Employee enrolls on 10/14, their effective date is 11/1.


    If an employee enrolls between the 16th and the end of month, their effective date of coverage will be the first of the NEXT month. Example: Employee enrolls on 10/18, their effective date is 12/1.

  • What if my pet currently has an illness?

    That’s a pre-existing condition, which is any illness or injury your pet had before coverage started. 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 six months, you may be able to get it covered.
  • Will you drop a pet from coverage because of age?

    Never. As long as you keep your policy continually in force (translation: don’t let it lapse or expire), your pet will not be dropped.
  • Are medical records required for enrollment?

    Not always. Sometimes medical records are needed for clarification to ensure you receive all the benefits available under your plan.
  • Does my pet insurance policy cover diagnostic testing?

    Yes. Diagnostic tests are reimbursed as long as your policy covers the medical condition.
  • Are prescriptions covered under my policy?

    Yes. FDA-approved prescriptions for covered medical conditions are eligible for reimbursement.
  • How do I file a claim?

    File a claim in just two easy steps.

    1. Pay your veterinarian at the time of treatment.
    2. Submit your claim via fax, email or your Nationwide Pet Account Access page at

    We take it from there. We’ll process your claim and send your reimbursement right away.

  • How does my veterinarian receive payment?

    You pay your veterinarian directly and then submit a claim to Nationwide. Nationwide will adjust your claim and reimburse you according to your plan.
  • What is vethelpline® and how does it work?

    vethelpline® is a service for all our members. Live veterinarians are available 24/7 to answer general pet questions and help identify urgent care needs. A vethelpline® consultation is not a substitute for a visit to your primary vet.
  • What happens if payroll deductions cease?

    If while on unpaid LOA you have three consecutive pay periods without a deduction, you will be offered to move to a direct bill option through the carrier. Once you are actively back at work, please reach out to the carrier in order to resume payroll deduction.


1Some exclusions may apply. Certain coverages may be excluded due to pre-existing conditions. See policy documents for a complete list of exclusions.
2Existing members can enroll in My Pet Protection® Wellness500 during their respective renewal period only. Products and discounts not available to all persons in all states.
3Excludes pre-existing conditions.
4State of the Industry Report 2022, North American Pet Health Insurance Association.
5Discount on base plans only and may vary by state.


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, and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company. ©2023 Nationwide.

Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.