With Nationwide’s Whole Pet plan, your deductible and co-insurance also apply to wellness reimbursements. So, for example, if you have a $250 annual deductible, you’ll have to cover that deductible and your 10% co-pay before you receive any wellness reimbursements. You should consider how much you plan to spend on wellness in a year and whether it will be more than your deductible, in case you don’t meet it with other claims. With our wellness coverage, there’s no waiting period, deductible or co-insurance.

Example Monthly Cost*
Nationwide
Complete CoverageSM
$10,000 Annual Limit:
$42.54
Whole Pet:
$67.56
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Reimbursement Choice of 90%, 80% or
70% of covered vet costs
90% of covered vet costs or fixed benefit schedule amount, depending on plan
Unlimited Plan Available Yes Yes
Type of Deductible Annual Annual
Illness Waiting Period 14 Days 14 Days
Accident Waiting Period None 14 Days
Preventive Care Optional add-on, coverage has no waiting period Available; coverage starts after a 14-day waiting period
Coverage Includes:    
Exam Fees Yes Yes
Lab Tests, X-rays, Hospitalization, Surgery, Diagnostics, etc. Yes Yes
Prescription Medications Yes Yes
Hereditary and Congenital Conditions Yes Yes
Alternative Therapies Yes Yes
Behavioral Issues Yes Yes
Dental Illnesses Yes Yes
Chronic Conditions Yes Yes
Specialists Yes Yes
Stem Cell Treatments Yes Yes
Prescription Food & Supplements
To treat a covered condition (not for general maintenance or weight management)
Yes Yes
Microchip Yes Yes
No Vaccination Requirements for Coverage of Certain Conditions Yes Yes
Multiple Pet Discount 10% for each additional pet 5% for second and third pet;
10% for fourth and subsequent
Age Limits for Illness Coverage Enrollment

This is the age at which illness coverage is no longer available for new enrollments. Typically, a pet’s plan won’t be cancelled because of age.

None None
All Pets Eligible, Regardless of Health Yes No
Accident-Only Plan Available for All Pets Yes Yes
Money Back Guarantee 30 Days 30 Days
Experience The agency that provides ASPCA Pet Health Insurance was founded in 1997. VPI started selling plans in the US in 1982. Its name changed to Nationwide in August 2015.
Better Business Bureau Rating A+ A